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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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cap1 card- sent to lowell dca and fredrickson. mum in a mess!


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hi all

 

In 2002 my mum was sent a letter with an application form for a Capital one credit card.

She signed the form and sent it back as she's never been offered credit before and was quite excited.

She was unemployed at the time as she is long term disabled.

 

She didnt sign an actual agreement, they just sent her a credit card.

It was a normal Cap1 credit card.

 

After a month it went up to a silver card, then a silver sleepy kitty card, then a gold card.

 

She was making regular payments and was well on top of it.

 

Then one month she was late with the payment and gained a £20 OL fee.

She carried on paying but then got another.

 

All together she had 4 over limit fees but continued to pay every month.

Her credit limit started at 1200 and was increased to 2600.

She called and said she didnt want it increased but they said she had to or she'd have to pay the full balance back.

 

The last payment she made to the card was £1090 in 2009. leaving a balance of £1567.

She could no longer afford to make payments.

She only went over the limit 4 times and paid more again the next month.

 

on the card she spent £3711.91.

she paid £5279.95

there was 2369.64 in purchase interest.

they say she owes £2868

 

Its been sent to lucas credit services, then lowell then fredrickson international.

 

Mums in a real mess and i wanna help but dont know where to start!

 

please help!

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send freds a CCA request.

 

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 dx, thanks for your reply!

 

I'm going to send one out first thing. My mum doesn't even know how to use a computer so ive got to do it all for her.

 

If they cant provide one (which i doubt they can) what happens next?

 

Thanks

T

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they can go swivel!

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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Your Mum was misled when she was told she would have to pay the entire balance back if she didnt accept an increase. I would think it could be considered very irresponsible lending on their part.

 

Was there any PPI added to this account ?

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Hi guys.

 

She did have ppi as I remember asking her why she had insurance incase she lost her job when she wasn't as work. I was there when she cancelled it.

 

She doesn't have the statements for the first year or so of the account or the last couple of statements. So how would we know how much in ppi she paid? Would cap1 still have that info?

 

Thanks all, much appreciated!

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you could try sending cap1 an SAR

 

they have been known to have historic data

 

then we can work it out or you can...

 

CISheet v101.xls

 

see mine or citb's links

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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Ok cool. Thanks.

 

From just the statements she has she was charged £56 in over the limit fees. And the interest on this card is almost 40% now. She was also charged purchase interest when she hadn't bought anything.

 

The interest was 1.873% then suddenly rose to almost 30%.

 

It's all so confusing!

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1.83 was per month, 30% APR is low too.

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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not a bother just ask

 

the more you read threads here

 

the stronger we become.

 

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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mums name

 

charges can still be reclaimed CCa or not

 

esp if it could kill the balance

 

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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Share on other sites

My mum found a letter from December 2013 from Bryan Carter Solicitors which says "we have been instructed by Fredrickson International on behalf of Lowell Financial to act in connection with this debt which is overdue and it is now our intention to take steps to recover the balance outstanding from you"

 

I haven't sent the CCA request to Fredrickson, Im assuming I now send it to Bryan Carter Solicitors instead?

 

Any help would be greatly appreciated!

 

T

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freds/lowells/carter all the same

just the next bloke and the next desk

in a diff coloured skirt.

 

send it to the owner lowells

 

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 also wanted to add that bryan carter convinced my mum she had to pay £10 a month to avoid court proceedings without ever asking if she could actually afford that.

 

She paid them 7 payments of £10 and then couldn't afford it anymore.

 

T

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yep about right

 

spoofed on the phone!!

 

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 months later...

Sent postal orders in the letters and they're saying they can't accept them because they're nit named to them specifically. The other places I sent cca/SAR requests to accepted them just the same way!

 

Are they stalling? Do I need to get all new ones?

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they are stalling

 

 

there is no need you sent blank po's

 

 

 

 

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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