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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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mortgage lender charging me £38.00 each late - now repo on arrears


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Outacash,

 

Well done for "Landing" that new job. ....

Now your "Cooking on gas".

 

I can't advise on the "Legal bit", but things appear to be moving in the right direction.

 

No doubt Ell-enn / site team will answer your questions tomorrow.

 

Best wishes

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Many thanks f16 ... Yep, big relief today ... at last we are seeing some kind of light appearing at the end of the tunnel!

 

I can't say I'm looking forward to going to Court ... but if that's what it takes then I'll be as ready as I can. Hopefully I'll be able to take some more of this site's good advice with me, and bring back some good news that others might benefit from and be able to use too.

 

Best regards...

Outacash ...

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Just want to say good luck in court. Reckon all will be good. If you are worried about speaking in court though a member of Shelter should be there a they can speak on your behalf.

 

We are also due in court in a couple of weeks but this is not new to us unfortunately :( x

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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Hi Olive.Family .... many thanks for your kind thoughts ... and good luck with your own situation too.

 

I didn't know Shelter might have a representative there, although I think I recall reading that there might be duty staff there who can assist. Do I have to be in touch beforehand, or are they there on standby, so to speak?

 

I'm still hopeful a last minute inc/exp profile and explanation about employment change might have a desired effect, and avoid court appearance.

 

Lets see ... I'll give any updates as they happen.

 

Many thanks again...

Outacash ...

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Well then ... the bottom line was always about having enough money coming in to be able to repay arrears ... and that did the trick... Court case adjourned and new repayment arrangement in place.

 

Still outstanding a fair whack in charges .... that'll be the next challenge .......

Outacash ...

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Outacash,

 

Well done for "sorting" this out ....

Yeah, Now reclaim all the charges !!!!

 

That make their eyes water rather than yours. :wink:

 

Edit: For the reclaim of charges.

Start a new thread in Mortgage companies.

Good Luck

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Hi f16 .... thanks for that ..... taking a few days off to get my head cleared, and will be then getting organised to go after charges!!

 

Cheers!

Outacash ...

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