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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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Affidavit of Truth & Affidavit of Obligation

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My husband's step father has taken money gifted to us during our wedding. He was angry that we questioned this and said he would take us to court over money owed to him for a gift he paid for my wife during the wedding. During the wedding his financial contribution was minimal because my husband paid for most of the wedding costs.


Since this time he has called us threatening to call my husband's employer and get him blacklisted and also threatened to take us to court by telephone, he then sent us a pre-action letter for £10,000 that was owed to him but did not provide any evidence.


We responded to this via a letter which pointed out our evidence to counter this claim point by point, since this he has not taken us to court but his wife has left him due to ill treatment and domestic violence and is now in refuge (there is a strong chance that he believes that my mother-in-law is living with not in the refuge).


On this same day he called my husband's employer wanting to set up direct debit from my husband's salary. My mother-in-law has logged her domestic violence case against him. He has now sent an affidavit of the truth making false claims which the notary says they have not advised on but only witnessed his statement. My mother in law's solicitor advised not to respond to the affidavit of truth as there is no legal remit.


He has now sent an affidavit of obligation demanding compensation for the harassment we have caused and would like a million pounds from each of the respondents (myself, my husband, my mother-in-law and sister-in-law). The police are yet to investigate him regarding the domestic violence case my mother in law has reported. We have gone to the police to report harassment but they say this is a civil matter.


In light of this, we are considering writing a letter to my husband's step-father to stop sending such legal documents without the use of a solicitor or threaten us with court action without following through with taking this to court, we will have no choice but to report you to the police for harassment. We will not be responding to these affidavits or any letters sent to us unless they are from a solicitor or the courts.


Any help is appreciated.


Thanks in advance,


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Hi and welcome to CAG.


It sounds like this person is losing the plot of life. Clearly, asking the employer to set up a direct debit and asking for a million pounds is not realistic.


The affidavit doesn't mean anything - the purpose of a notary is to verify the identity of the person signing the document, nothing more.


I think you've got the right approach. I would just say that you do not agree with the statements made in the affidavit, mention that any court proceedings will be fully defended, mention that you will not respond to future approaches about this matter unless they are through a solicitor or the courts and leave it at that. It doesn't sound like it would be helpful to go into the details.


I am in two minds about whether it is worth mentioning that you will report him to the police for harassment. This would be completely justifiable but it could also provoke him. My experience is that the police don't tend to get involved with harassment complaints unless things go on for a very long time, and also that people in a difficult frame of mind can sometimes make false or unjustified retaliatory police reports of their own in response. This is your call.


It is probably worth keeping this factual and polite. The hope must be that your husband and the step-father can one day reconcile, once the father-in-law has sorted himself out.




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  • 2 weeks later...

Thanks Steampowered for your detailed response! - Really appreciate it.


He's a complete tool! We went to gather my mother-in-laws recently and he was not cooperative to us or the Police Officer that came to escort. We will have to proceed to getting a letter from the Solicitor to enter the property.


We have sent the letter asking him politely to stop however, he's sent another letter this time to my husbands workplace with Affidavit of Fault and Opportunity to Cure basically summarising the Affidavit of Obligation and giving us a deadline of 31 days to pay back the £4 million in compensation.


We do not want to be associated with him in any way. All we want to do is get rid of him for once and for all. We will be visiting the police station to file for a harassment case.

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