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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.
       
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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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He has now gone without the van but cost me 700 pound 270 of that was his fee :/. So upset he came at 8.20pm and wasn't leaving without van or payment. I explained I have a son who is autistic and this will be distressing could I sort it in the morning. His reply I'm not near your son so angry right now :(.

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tell us the full story please

 

Have you received a default notice?

 

For now until we know the full facts, keep the van locked in a secure place that they cannot gain access to without causing damage,

 

preferably in a secure garage

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He has now gone without the van but cost me 700 pound 270 of that was his fee :/. So upset he came at 8.20pm and wasn't leaving without van or payment. I explained I have a son who is autistic and this will be distressing could I sort it in the morning. His reply I'm not near your son so angry right now :(.

just seen this tell us the full story please

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Yes but made a payment since then. And heard nothing since usually get email phone calls etc but nothing just showed up took photographs clamped it then knocked on the door took 2 months arrears and 270.00 fee total of 700.00 wouldn't let me make any arrangements wanted payment in full

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so, who is the lender?

 

Do you have a copy of your agreement and the bill of sale?

 

Is your bos linked to a credit agreement?

 

Have you ever checked that your bos was correctly registered?

 

Was the agreement for van purchase?

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With auto money it's a bill of sale that's what he said recently moved home so can't access paperwork I think there was a credit agreement. I'm more upset about the total disregard of my sons condition I will be going into auto money in the morning i just need to know what to ask etc I only have 1 payment left now

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ok so you will be able to make a Formal Complaint about the whole episode to AutoMoney

 

but, I would strongly suggest, only in writing, including no doubt the many charges and fees that you have paid,

 

which if they refuse you would then be able

 

to forward to the fos. But to do this you need to gather all the information, by way of sending a sar to automoney.

 

Now if you wish to express your immediate concerns,

 

all logbook loan companies are at the moment only operating on interim authorisation from the Financial Conduct Authority.

 

Go to the FCA Homepage, click on contact us and send them an email with the full story.

 

They wont be able to look at individual complaints,(thats for the fos) but it will be passed to the appropriate team

 

the more complaints they receive, the more likely these companies will not receive full authorisation

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Spoke to the company today requesting my bill of sale so I can get it checked. They said letter of default was sent out on 13th June I haven't received it or had any phone calls etc. Am I right in thinking if I have paid more than a 3rd of the amount they need a court order to repossess ? I also asked where they stood if a vulnerable child lives at property I was told that's not down to them. I will update when bill of sale is received. Thanks for the help

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sadly not if the bos is linked to a credit agreement, this is done to circumvent the obligations

 

under s90cca1974. So they lend you the money but retain full control and ownership.

 

The 1/3 rule only applies to hp or a bos linked to hp agreement

 

their only obligation is to send a correctly formatted default notice

 

and allow you 14 days from day of service

 

It happens alot to say they have sent the dn but somehow they are never received

 

very convenient for the logbook loan company

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so forward a sar to AutoMoney to start a reclaim for the charges inc the ridiculous £270 fee

 

include these in your formal complaint, and these can be looked at by the fos if refused.

 

how to check your bos-

.

email:QBEnforcement@hmcts .gsi.g ov.uk.[no spaces]

.

ring:020 7947 7772

.

write:

QB Enforcement Section,

Room E15-E17,

Royal Courts of Justice,

Strand, London, WC2A

...

.

ideally you need the BOS number

.

however

they can search by the Reg Number

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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as regards to your question as to a debt collector visiting, they are responsible for the behaviour of their agent

 

so this can also be included in your formal complaint.

 

FCA guidance on this-

 

A firm must ensure that all persons visiting a customer's property on its behalf act at all times in accordance with the requirements of CONC 7 and do not1) act in a threatening manner towards a customer;

(2) visit a customer at a time when they know or suspect that the customer is, or may be, particularly vulnerable;

(3) visit at an inappropriate location unless the customer has expressly consented to the visit;

(4) enter a customer's property without the customer's consent or an appropriate court order;

(5) refuse to leave a customer's property when it becomes apparent that the customer is unduly distressed or might not have the mental capacity to make an informed repayment decision or to engage in the debt recovery process;

(6) refuse to leave a customer's property when reasonably asked to do so;

(7) visit or threaten to visit a customer without the customer's prior agreement when a debt is deadlocked or reasonably queried or disputed (see CONC 7.14 (Settlements, disputed and deadlocked debt)).

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Got bill of sale we signed 18th march. It was stamped 22nd march so looks like it s above board still going to try get the ridiculous collectors fee of 270.00 back and pursue with my complaint. They also give me logbook back does this mean the loan has terminated. Thanks for all your help

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if they have given you the logbook back, looks like the loan is fully repaid.

 

Obtain statement and check

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Thanks for all your help I ve heard back from the fca who have advised me to put complaint into the office of the company but they are laying blame with debt collecting company. It's all a huge headache. The loan is now paid and they are sending confirmation think I ll just let sleeping dogs lie and just live on a very tight budget till I can repay the money I had to borrow I am grateful to all help received just feel I'm fighting a loosing battle and I've 4 kiddies to look after lesson learnt I won't be making the mistake again.

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