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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Erudio using state benefits, refuse deferement, i want to go to court over this


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Paul Lewis is supposed to be discussing Erudio on Radio 4's programme You and Yours

at 12pm today.

 

He has also tweeted that he particularly wants to hear from people whose accounts have already been debited by Erudio when they shouldn't have been. Am not allowed to post links because I haven't been a member of this forum for long enough, but his Twitter name is paullewismoney

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Erudio is pretty much arrow global but using a different name. They will use every trick in the book to get money

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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If you don't sign it there is nothing they can do ......they cannot put a mark on your CRA file unless you sign one of their documents as there is no contract between you and them. Remember only the Original Creditor can affect your CRA unless you sign this obligation over to Eruido by signing their form.

 

What i found strange about Paul Lewis is that he sought all his answers from the lions den ....if he had sought some independant legal advice then his Eruido favouring conclusions might be somewhat different. IMO

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What i found strange about Paul Lewis is that he sought all his answers from the lions den ....if he had sought some independant legal advice then his Eruido favouring conclusions might be somewhat different. IMO

 

Yes, I thought that he was 'playing it safe' by avoiding criticising them. It could well be that this is because he works for the BBC, who seem reluctant to criticise anything to do with the government. However, I think that more of a fuss should be made in the media about it, as this could be something which has major implications for students in the future when more of the student loan book is sold off. I was disappointed that, although Paul Lewis said it was 'worrying' that some people's accounts had been debited by Erudio even when they were entitled to defer, he didn't say what could be done about this.

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What else do they expect a DCA to do? Theyve basically given a DCA free reign over millions of pounds.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Rosskie, i would recommend putting account into dispute by sending CCA which i understand you have already done? By disputing account you do not need to defer.

 

One other thing, they will not get a CCJ either as ........you guessed it! ......they are not the Original Creditor.

 

Please remember DCA 's are not the same as Bailiffs et al as they have no direction from the courts and they will not come calling at your door. They will though torture you by telephone if you dont tell them to communicate in writing only. They will then provide you with endless amounts of fire starting material.

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Yeah, my accounts on hold, I dont have to worry!

 

I've got a feeling I know what your going to say here... But, surely they aren't completely powerless when it comes to non paying individuals?!

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But, surely they aren't completely powerless when it comes to non paying individuals?!

 

Most DCA's are as they cannot comply with even the simplest of requests or legalities.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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I 2nd what Renegadeimp has said above and why i would ignore the advice as given by Paul Lewis,

for a so called financial expert he apparently knows absolutely nothing about DCAs and their powers ...

...because they have no power and the courts are aware of their dirty tricks

which in any normal society would be viewed as extortion.

 

They will however lie and state that they will do this and that but if they do ....

...when they do, call their bluff and watch them back down.

 

Your SL debts were seen as 'bad debt' and they are getting very close to their 25yr life.

 

The Gov decided to write them off and claim as a tax write off by selling for peanuts.

 

They sold them to the only bottom feeders that would touch such non performing debts .

...the DCAs and they know that the majority of these debts are unenforceable,

but they will operate outside the law by attempting to enforce them regardless.

 

Unfortunately some will cave in to their demands.

 

However, the one example thread here is the thread where the lady stated

that she was facing having to give up her job so that she could continue to defer!? .....

 

.This needs to be brought before an MP as it goes against the Gov policy

of getting people off benefits and into employment.

 

A gov approved DCA is forcing a working woman to leave her employment and go on benefits. ..

......this cannot be right, never mind legal.

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I'd like to add to your post warren.

 

Some DCA's DO have rights, but normally only when they own it

AND have the required paperwork needed to collect it,

or if they are a DCA that are acting under instruction of a government agency, such as HMRC.

 

For general consumer credit though, it's rare that they can do anything.

 

Most try though and thats why a lot get default judgements.

 

The DCA then becomes complacent and issues them like confetti (Lowells, i'm looking at you here).

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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  • 2 weeks later...

I've been deferring mine for years, for this government to sell them off cheap to their buddies.

 

Just got the forms to send back.

 

They have said I must give them DD details to get deferment,

and I must send the forms to them at least 8 weeks before the deferment runs out.

 

Well there is no way I am giving my DD details to a DCA especially Arrow Global.

 

As for the 8 weeks bit; are they taking the ****?

 

The form wasn't even sent until April,

 

there is not 8 weeks between my getting the form and when my deferment finishes.

 

I know if I had finished the course a couple of years earlier the debt would have been written off when I was 50,

 

I pretty sure it will be when I am 60 but can't find a copy of the old agreement.

 

I'll have a look though if I can find 20 odd year old paperwork.

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I agree that you shouldnt set up a Direct Debit - ask them for THEIR bank details so you can pay by online transfer.. that is if you are intending to pay of course !

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It's not a case of not intending to pay.

 

It's a case of not able to;

although I must admit I find it abhorrent that one is expected to pay for an education,

especially when it is considered that those in the government had their higher education funded by grants.

 

I took my degree to better myself.

Although at the time I also had a naïve hope that taking a degree may give me a chance of getting back to work despite being physically unable to.

 

A4e and several heart attacks later put that idea out of my mind, and made me settle for a life of filling out deferment forms and writing letters to DCAs.

 

As you say, anyone that does get paid does so via standing order. The actions of the utility companies taught me this.

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Found out it will be written off when I'm 60, only 3 years to go now. That said I just found something that should meant it was written off years ago.

 

 

Also, as to what counts as income. Disability benefits were not counted, now they are. In fact continued receipt of disability benefits should have seen the debt written off.

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Is this the same Paul Lewis who was advocating and shouting from the rooftops about the new increased student fees to £9,000 were great and do not look at them as loans but a tax. I cannot believe that man saying student loans were great. My son is going off to uni this year and I can't tell you how worried I am and I feel our students have been sold down the river for a quick buck,.

 

I wish you all luck with this new debt collector and string them out

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  • 6 months later...

Anything happen with the CCA request here? I am just sending mine off. This NOA seems very official - which I have too, wondered if it counts as a CCA at all?

 

Before reading about Erudio on here, I had paid them blindly, over £50 a month, through my DMP. How daft do I feel....

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Are Erudio, still using DLA/PIP mobility components to calculate iincome, as in regarding High Rate DLA as available income even though it is being paid to Motability?

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i really hope not!

nothing as a result of DLA should ever be used

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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i really hope not!

nothing as a result of DLA should ever be used

 

 

dx

I think it needs a recorder phone cal to Erudio to find out, as they seem to be bending the rules.

We could do with some help from you.

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Hi all, thought that i would give you an update since my original post and get some further advice from you all.

 

I made a CCA request in March and have only just got a copy of the credit agreement

i suspect that i only received this because they made a complaint to the Ombudsman about Erudio's conduct,

they continued to write to me making demands for money,

they also say i now have £800 worth arrears which i feel is not the case because the account was in dispute.

 

they want £186 per month from me,

there is no way i can afford this,

my salary is only £900 per month.

 

 

Under the old SLC i would have been able to defer but under the new system my Housing Benefit takes me substantially over the threshold.

 

 

I know that under the sale of the loan no-one should be worse off

but to be honest i cant deal with the drama of deferring every year

i think that I am going to offer to pay £25 per month,

will they have to accept this.

 

 

Also;

1) can i refuse to sign any forms they request me to sign

for example i want the SLC to remain the original creditor

and not sign anything that would transfer this to Erudio

 

2) Do I have to provide them with direct debit details to make this payment

 

3) I am happy to provide income details but do I have to provide expenditure details,

I am only agreeable to supplying rent and childcare costs

 

3) If they reject my offer what can I do to challenge them.

 

I thank you in advance for your support and advice

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