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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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Hi, I left the UK in 2007 to live abroad. Whilst away our house was repossessed (Tenants not paying rent - I couldn't afford mortgage) and a CCJ was issued. Two further CCJs were issued, one for non-payment of a credit card and the third from "MAYORS & CITY," which I do not know what it is for. I only know about the CCJs from viewing my credit report - I do not have any paperwork or court documents.

 

After 6 1/2 years I am now planning to return to the UK.

 

The CCJs are dated between Mid '09 to Mid '10.

There are credit agreements in default on my file dated between 2008 and 2009.

 

I understand that the default accounts will "Drop off," the report as they hit 6 yrs and the CCJs will be un-enforceable and leave the report once they hit 6 years old.

 

I haven't had any contact with the creditors or the courts whilst I have been abroad.

 

I am not on the UK electoral role.

 

I plan to rent a property, can I put this under a parent's name as "Furnished," so on paper I do not own any of the property contents? I will not pass a credit check in the UK so can not rent a property in my name anyway.

 

I will also drive a car owned by a parent.

 

I do not plan to attempt any credit applications.

 

Is there anything else that I need to consider to ensure that I remain "Under the radar," on my return to the UK for the next couple of years until the debts are all barred by statute?

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CCJ will not go away after 6 years. It will drop of your file but it will still be there should the person who got it decides to enforce it. They will have to explain to the court why it's took so long but you being out the country is a pretty good reason for the court to enforce it.

 

Debt avoidance is not something this forum is for.

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Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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To add to the above it is very rare for a court to grant enforcement on a ccj over 6 years

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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Thanks ashmk, I appreciate that this forum is not for debt avoidance, I left the UK to set up a business, the business was not successful so I could not repay the mortgage in the UK once the tenants stopped paying the rent hence the repossession and CCJ. Due to the difficulties with the business abroad I ended up taking more credit abroad. I can return to the UK and service the debt abroad. I am assuming that you would not advise that I return to the UK and contact all creditors on landing to explain that I have returned to the UK. As when people launch a Ltd liability company, I am trying to set up my new UK life with limited liability. The worst case scenario is that I return to the UK with my possessions, rent a house, buy a car, put the kids into school and 4-6 weeks down the line I get a bailiff at the door relieving me of the car and all contents of my rented property.

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To add to the above it is very rare for a court to grant enforcement on a ccj over 6 years

 

Thanks renegadeimp, as ashmk stated I am guessing that in my case, being out of the country for 6 1/2 years with no forward contact details is a good reason for the court to enforce it.

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pers I'd sit tight and do nowt.

 

 

if you were out of thecountry

you had no opportunity to defend yourself

so that works for you rather than against you.

 

 

I doubt you'll hear anymore about them.

 

 

when they drop off the cra file

will give you a good indication.

 

 

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 don't think you can do anything

to really hide.

 

it will come out

 

but its who got the CCJ's and their value is the more important info

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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