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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • 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.
      • 3 replies
    • 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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On checking my statement


there was a transaction for just over £28 paid to a pub in another town whcih is about 12 miles from where we live.


We never visit this town and checking on Google we have definitely not been to this pub.


We have contacted Nationwide who were unable to tell us whether the transaction was on my wife's card or my card.


They cannot even tell us the time of the transaction as we can prove our movements on the day in question.


Although they have taken the details and told us they will look into it,


we have heard nothing further and are still out of pocket for £28.


How long should we be waiting for a decision etc?


Please advise. Thanks.

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I've had similar in the past. Was in a pub in Bristol, and my statement showed charges at a pub in Swindon (~50 miles away). It turns out that they were run by the same management, and all the transactions went through the same place. Could that have happened to you?

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I've had similar in the past. Was in a pub in Bristol, and my statement showed charges at a pub in Swindon (~50 miles away). It turns out that they were run by the same management, and all the transactions went through the same place. Could that have happened to you?


We thought of that but seldom eat out and definitely not at about that period.

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nationwide should be refunding the money immediately!!


its fraud!


contact actionfraud


get the ref number


then get onto useless NW and give then hell


try these notes:




We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie


http://whatconsumer.co.uk/visa-debit-chargeback/- it works!


banks MUST follow written intructions from their customers !


This fsa guide has now been updated:




Here's the text:


Cancelling a regular

card payment:


When you give your credit or debit card details to a company and authorise them to take regular payments from your account,

such as for a gym membership or magazine subscription,

it is known as a ‘recurring transaction’ or ‘continuous payment authority’.


These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.


In most cases, regular payments can be cancelled by telling the company taking the payments.



y.ou have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.

Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.


Be aware, though, that you will still be responsible for paying any money that you owe.


see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp







New june 2013


Regulator orders Banks and mutuals to review complaints about not cancelling recurring payments from November 2009.


Consumers who have set up a regular payment from their account will now be able to successfully cancel that arrangement

by contacting their card provider, the Financial Conduct Authority said.


The FCA has been examining how easy it is for customers to cancel Continuous Payment Authorities (CPAs)

due either to payday lendersicon or for other regular payments such as subscriptions or gymicon memberships.


CPAs, which are also commonly called recurring transactions or recurring payments,

are relatively easy to set up but can be hard to cancel, causing problems for consumers trying to manage their finances,the FCA said.


Now, following the FCA review of how the largest high street banks and mutuals process requests to cancel CPAs, they have agreed that they will ensure that when a customer asks for a recurring payment to end, that will be sufficient to cancel the arrangement. They have also confirmed that should a payment go through by mistake following cancellation by a customer the customer will be refunded immediately.


In addition to securing this commitment, the largest banks and mutuals have agreed to review every individual complaint they have received about the non-cancellation of a CPA and to pay redress where payments have continued to be made despite the customer cancelling the arrangement. This applies to all complaints since November 2009 when the Financial Services Authority, the FCA’s predecessor, began regulating banking conduct.


Clive Adamson, the FCA’s director of supervision, said: “It’s important that consumers are confident that banks are meeting their everyday banking needs. Today customers can be confident that when they ask for a Continuous Payment Authority to be cancelled – it will be cancelled - and that it can be done easily.


“We recognise that historically this is an area where some customers have struggled but the banks and mutuals have responded positively to our work on this issue. From now on we expect them to be getting this right. In addition, they have committed to review past complaints.”




Also mentioned your displeasure that as whomever took your money had obviously attempted this many times

probably activating your banks own anti fraud software - nobody had the decency to inform my you this was going on.?

.In the FSA's own words:




What should I do about a

payment from my account

that I didn’t authorise?


Your bank must refund an unauthorised

transaction. Money can only be

taken from your account if you have

authorised the transaction or if your

bank can prove you were at fault –

see below.

Contact your bank immediately if you

notice an unauthorised payment from

your account. If you are sure you did not

authorise the payment, you can claim

a refund. However, your bank does not

have to refund you if you do not tell it

about the payment until 13 months or

more after the date it left your account.


Your bank must refund an unauthorised transaction




Your bank may only refuse a refund

for an unauthorised transaction if:


? it can prove you authorised the

transaction – though your bank

cannot simply say that use of your

password, card and PIN proves you

authorised a payment; or

? it can prove you are at fault because

you acted fraudulently, or because

you deliberately, or with gross

negligence, failed to protect the

details of your card, PIN or password

in a way that allowed the transaction




How quickly must my

bank refund me for an

unauthorised transaction?


The bank must make the refund

immediately unless it has evidence

that one of the above reasons applies.

Your bank may ask you to answer

some questions and fill out a form

confirming what has happened, but it

cannot delay your refund while it waits

for you to return the form. If the bank has

evidence that one of the above reasons

for refusing a refund applies, it may

investigate before making a refund but

must look into it as quickly as possible.

If your bank rejects your claim for a

refund it should explain why.

If the transaction was on a credit

card, the refund may not happen

immediately. But the card issuer

cannot charge interesticon or ask for

repayment of the amount unless it can

prove you are liable to pay


These are your statutory rights under FSA regulations. They are not guidance.

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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