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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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Kensington Mortgages Charges REclaim


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use open office

 

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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  • 2 weeks later...
  • Replies 50
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Hi

I have put my complaint into the FCA who have written back directing me to the FOS so have written to them. Although I am unsure of what they can do. As the company has now closed.

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are we talking about 2 secured/loans/mortgages here?

 

I thought it was kennys you were after.

 

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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Hi

I am starting with the broker.

 

He filled in forms and forged my signature on some of the documents.

 

I got all documents from kensington and it's plain fraud what has gone on.

 

However broker now closed.

 

I have taken legal advice free from my nursing union.

 

I was sold a self cert heavy adverse mortgage despite full time employment with payslips and a good credit rating.

 

I have the copy of my credit report from 2006 in my documents.

 

So why was I sold a mortgage like that???

 

My fight has now well and truly started.

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god that sounds bad.

 

if there is provable fraud involve

 

i'd recommend involving actionfraud

 

as well

 

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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Hi

I know terrible. I am totally shocked at what was in the SAR documents. I think I should receive financial compensation for all the misery I have endured. However I doubt I will after reading the FOS website.

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Hi

I was hoping someone could help me with my calculations, as Kensington have only given me £480 interest for 7 years of charges, below are the figures and int at that time

April 2007 £25.00 Int rate was 8.45%

May 07 £25.00 Int rate 10.45%

June 07 £50 int rate 10.75

july £25.00 same rate

Aug 07 £25.00 same rate

Sep 07 £50.00 int rate 11.55

Oct £50.00 int rate 11.55

Jan 08 £50 int rate 11.55

Feb 08 £50.00 rate 11.55

Mar 08 50.00 rate 11.30

apr 08 50.00 rate as above

sept rate changed to 11.20

dec 08 rate changed to 9.70

feb 50.00 rate 9.70

mar rate changed to 7.80

Aug 09 £25.00 rate 7,05 changed to this on june 09

nov 09 £50.00 rate 7.05

Jan 10 £25.00 rate still 7.05

mar 10 £25.00 rate same

june £50.00 rate 7.15

jul 25.00

sep 50.00 rate still 7.15

oct 50.00 rate same

nov 50.00 same rate

mar 11 50.00 rate still 7.15

apr 50.00 rate 7.25

may 50.00 same rate

june 50.00 same rate

sep rate chages to 7.30

jan 2012 rate now 7.45

july 12 rate 7.50

sept 50.00 rate now 7.35

oct 50.00 rate still 7.35

dec rate 7.25

jan 13 50.00 rate same

feb 50.00 same

mar 50.00 same

may 50.00 rate same

rate remains 7.25 still today

Your help greatly appreciated.

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you can use an average int rate

 

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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pop every fee in the spreadsheet of post 24

 

and putt hat figure [int] in cell d15

 

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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  • 4 weeks later...

own thread created

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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  • 2 months later...

Hi there... Going through the same thing with these guys. My mortgage was sold through TML who also have ceased trading.

 

I reckon need to go via The Financial Services Compensation Scheme. If your broker has ceased trading and have no money they will be classed as defaulted which means you are eligible to make a claim.

 

I too am going in on the fact I was engouraged to go self cert when hubby was employed, also we thought that TML would search the market. They in fact searched as far as their owners (Kenny's owned TML)

 

Good luck and keep us posted

 

Olives xx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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Hi Olives

 

I am currently going through this, Delottie are dealing with my claim via FSCS . Be warned they went all evidence original mortgage offer docs, statements, the lot do be prepared to send a huge amount of supporting evidence. Luckily I had taken advice from here. So just waiting from their decision

 

Good luck

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Hi Olives

 

I am currently going through this, Delottie are dealing with my claim via FSCS . Be warned they went all evidence original mortgage offer docs, statements, the lot do be prepared to send a huge amount of supporting evidence. Luckily I had taken advice from here. So just waiting from their decision

 

 

 

 

Good luck

 

 

Thankfully I recently SAR'd KMC and got three boxes of paper work delivered via courier so hopefully will have all the info I need from in that.

 

I understand it's going to take about 6months for a decision as well... I hate waiting!

 

Can I ask what you have actually asked for back as in what charges, and any sort of compensation ?

 

Olives xx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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  • 5 weeks later...
Hi

They offered me £1425 for £2680 worth of charges I am going to write back as DX advised and reject it as I also want 8% interest on top.

Good luck!!

 

Hi Baba02: I'm in a similar situation with KMC; please let us ll know how this works out.

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Hi

 

Well I did some research on the subject, and there was a case that the FSA investigated. They found in favour of some charges, yeah I know not fair. However they did uphold some of the claim. In situations where some monthly payment was made, 50% charges should be refunded. Where no payment made in that month, KMC can apply the £50 charge. Where full payment made that month a full refund must be offered. I was not given 8% interest. The case is on the FSA website. I accepted my losses. I accepted the part payment offered. As the president is really now set.

 

Good luck

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Let's hope the FSCS complaint will work for you xx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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Just a reminder

A court would not always agree with the FSA. The FSA does not necessarily create precedents.

 

Hi

 

Well I did some research on the subject, and there was a case that the FSA investigated. They found in favour of some charges, yeah I know not fair. However they did uphold some of the claim. In situations where some monthly payment was made, 50% charges should be refunded. Where no payment made in that month, KMC can apply the £50 charge. Where full payment made that month a full refund must be offered. I was not given 8% interest. The case is on the FSA website. I accepted my losses. I accepted the part payment offered. As the president is really now set.

 

Good luck

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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  • 1 month later...

Hi

I have now filled in the FSCS application and sent off a pile of evidence. I rang them yesterday who told me my claim for mortgage mis selling is now at the final stage? I think there will be a lot of people who got a rubbish mortgage via Best ad vice mortgage network ltd. it's taken months but just hope I win. As I have read not many are successful.

 

Thank you

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great work

 

we are all fighting for you

 

it would be a good win and clip their wings ifsuccessful

 

about time too

 

there are 1000's of people they did there things too

 

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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Eekk...I hope you get an answer soon. Mine has been with them now for a couple of weeks and I cant bare it. They are fast teaking it for me but its still going to takd forever.

 

Everything crossed for you

 

xx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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  • 4 years later...

Hello

 

I have a question.

 

I have had a mortgage with Kensington mortgage co since 2006.

In 2007 I took a second secured loan for £1000.

 

Over the years I was charged £50 arrears fees etc.

I received monthly and annual statements.

 

my secured loan with them which has its own account number, was also charged.

in reality I was charged £100 for arrears letters.

 

due to not receiving a letter for my second charge informing me of this charge each month.

never have received a statement.

 

only just discovered they have actually been double charging me for both accounts, but sending only one arrears letter for the first charge.

complained but they are claiming the 6 year rule.

 

it was only by chance I found out about there charges.

They have clearly concealed this from me for all of these years.

 

Help and advice please!!

Edited by dx100uk
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Thread moved to the appropriate forum...please continue to post here to your thread.

 

Thread title updated.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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