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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • 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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debt not linked to you but still on credit file

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A credit card debt was defaulted in 2008 and

I received a notice of assignment of it in 2012 to Lowell's.

Soon after I received a solicitors letter saying 'we are giving you notice of legal action'.


Sent Sec78 to original named lender,

and Sec78 to Lowells.


Original lender didn't respond, but

after chasing Lowell's up they wrote saying

"we've concluded debt is not linked to you,

as such have removed your personal details from our data base,

and you should contact the credit reference bureaus to review your credit file".

They also returned the £1 postal order.


The credit card debt is still showing on my credit file as in default to Lowell's

using the credit card account number shown in the assignment

- its nearly 6yrs since the default date listed.


Despite supposedly removing me from their database,

Lowell's have written to me again this year quoting the same Lowell's reference number,

the same debt amount, and almost the same credit card number but they've changed one digit.


The letter said one of our debt collection agencies will be in touch as you've failed to pay.


Sent Sec78 again to original lender and Sec78 to Lowell's quoting new credit card number given.


This time original lender wrote back saying information provided does not correspond to any of our records.

But I have heard nothing from Lowell's.


q1. Should I chase up Lowell's again about the ignored Sec78 request with the different credit card number?


q2. Can I do anything about Lowells giving me a letter saying debt

is not linked to you but them still being listed on my credit file with the credit card number

and debt amount which they say is not linked to me?


q3. Should I do anything Lowell's saying they've removed my personal details,

yet two years later they are using the same Lowell reference number

and debt amount linked to my name and address, but slightly different credit card number.


Thanks for any help.


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so it will be on all three cra files too.


now lets get some basics first.


this 'debt'

even though they have numbers wrong etc etc


DID YOU ever have this card at all, i'e WAS there ever a debt like this?


if not


then you are in for some compo here


you need to findout how long this has been trashing your file

and who

if it was not Lowliife put it on your file.


data mining time me thinks


though how you are going to get any data out of the OC

when the debt is not yours will be fund.


I think the CRA people will be your first port of call



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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A nice but very robust Formal Complaint to James Cornel CEO the Lowell Group.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hmm. Thanks, but I'm not exactly sure what I'm trying to achieve. I suppose I'm just fishing to see if anyone says, you should be doing this..etc. I've learned a lot from CAG website and everyone's help and advise. I suppose as long as they are unable to respond to the Sec78 then it's unlikely to go anywhere, for the moment at least.

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Unless Lowells have done the trick of changing the default date, the defaulted account will drop off your credit file this year anyway.


If you aren't sure what you are trying to achieve then sitting and waiting is the easy way to achieve it.

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