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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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ge money interest only term end 2015 no money please help


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Hi everyone i am back again for support and advice on an issue that i can not think of any way to solve.

 

 

I made a bad choice in 2002 and opted for an interest only mortgage because it was quick cheaper payments and

i had the intention of swapping to a repayment mortgage as soon as i could.

 

 

However money i was owed by my sister was never received and i became ill in 2006 and ended up in arrears with this company.

 

 

It went to the FOS who agreed with me they had been unfair and had not shown forbearance

their fees and charges were refunded and arrears remaining original arrears capitalised and suspended repossession order removed.

 

 

This was the one time that i am aware of that the FOS actually made a company comply completely with their requests.

I have been paying in full on time ever since. 2006.

 

 

Then last year i got a letter from ge money stating my term was up in 2015.

I got the shock of my life because i thought it was up in 2020.

 

 

I had arranged my morthage through a broker and this was the third time i had remortgaged with this company

and the other times the mortgage term was for 15 years so i stupidly presumed this one was 15 years also.

 

 

I remember my broker saying did i want it over the same term and i said yes so i dont know why this one is only over 10 unless the broker made a mistake.

 

 

However i am in a situation now with no money to pay off the mortgage next year

and ge money saying tough u signed the agreement.

 

 

I was wondering if there was anything i could do because the extra five years would allow me to stay in my home

and i would have the money to pay it off then.

 

 

It just seems so unfairi i have a mental illness and couldnt cope with having to sell the house

i am so tired of all the fighting with these companies as i am with the other demon too acenden

and am on the 4th complaint to the ombudsman with them.

 

 

I was so naive ten years ago. I thought companies were fair amnd if you were honest with them

and genuine they would bend the rules a bit to suit individual circumstancres like they used to back in the day when you dealt with a manager face to face.

 

 

I feel like giving up i dont have any more strength left in me to fight. Its just making my ilness worse and

 

 

on top of that i have suddenly developed a problem with my legs that keep giving way

and have been yold it could be cauda eguima which is serious and if left untreated could cause me to become inconyenant and never walk again.

 

 

I am beside myself i just wish i had a magic hand come out of the cloudsto help lift all this worry from me

i usedto be so confident and sure of myself but i just dont know were to start anymore

or even if i should bother anymore as all these companies seem to win in the end .

 

 

I have just had enough thankyou for taking the time to read this

 

 

i know its long but had to give it one last go in hope of a miracle cher69.x

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How far are you off retirement age?

 

Have you approached GE Money and asked them to consider extending the term of your mortgage by 5 years?

 

do you have any equity in your property?

 

How long does your 2nd charge have to run?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

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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Hi the oldrouge thankyou for your reply i am 47 my husband is 52.

I was going to write to ge money today and ask them to extend it but i dint hold out much hope as they are not one of the best lenders to deal with.

The second charge is until 2020.

Thanku again cher69

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Will await GE reply, then we can look at your options

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

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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Hi there i got ge moneys response today and to be honest it was what i expected they sent me a letter about 5 pages long including a copy of the agreement I signed which wasnt an issue i know i signed it. However they state there is nothing they can do and have forwarded a copy of my letter to the broker. Ge money will not extend the loan term their reasoning is because it is a management decision not to do so. So there we go not much help. What next is there anything i can do ?? Cher69

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please post up everything that they sent you,with all personal details removed

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

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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cher, you need to convert your images into pdf format to enable us to read them :(

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look forward to seeing them cher,

 

in view of your previous victory at the fos,

 

this may well be seen as unfair, retaliatory and vindictive action on the part of ge money

as well as being in breach of mcobs and the fca guidelines, when looked at by the fos.

 

When we have seen the letter, we can help you to formulate a new complaint to the fos,

 

you are after all only asking for a 5 year extension

 

which is quite reasonable given your ages

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

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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