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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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Hi, hope someone can help with this or have any info, ive now been sent this by email, don't know what its from or what debt it could be from as had no one informing me its been passed on. So any advice would be good.

 

 

Please let us know if you would like us to write to you at a different email address.

 

This is an urgent message from BCW.

 

We have been attempting to contact you as we require to speak with you as soon as possible.

 

Could you please contact us on 0844 571 4044 quoting this unique reference number ********* or alternatively reply to this email with a contact telephone number and we will arrange for someone to contact you urgently.

 

Thank you

 

 

BCW

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Ignore. Its a phishing attempt. One they aren't allowed to do.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Really!! omg they addressed me by my full name etc, so thought it could be genuine, I sent them a email back saying first they need to identify themselves as to what it is about, also I WONT be supplying them with a contact number and only to contact me by email.

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You have probably given your email address at some point when arranging some financial product and they have managed to get hold of it. But for some reason, they don't have your current residential address or telephone number.

 

If you ever update your details with a Bank or any other company who link up to the credit reference agencies, then your new address will be available to debt companies. So they will chase you eventually.

 

If you have any debts left behind from when you were at a previous address, it would be sensible to deal with them when you can. It is possible for companies to obtain CCJ's using your last known UK address. Once you have CCJ's on record, it can cause problems applying for financial products e.g mortgages, Bank accounts, renting properties or for certain jobs.

We could do with some help from you.

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This is likely just a phishing email. Ignore it until such times as they write to your physical address - if indeed you are the person they are looking for.

 

Put their email address on your block/spam/junk list so it wont come into your inbox again.

 

Check your credit files to ensure there is no adverse reporting being done :)

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Uploading documents to CAG ** Instructions **

 

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Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi, the only ones I know about are being dealt with, but if its something else I thought the company itself would write and inform you that it has been passed over?

 

Yes, if the debt is legally assigned. BCW do chase debts on behalf of companies and this may be the case.

 

As has been said, wait for BCW to contact you with more details.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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You would be sent a notice of assignment. Could be sent to an old address though if that is all they had at the time.

 

BCW are usually scavengers and chancers working on behalf of someone else though.

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Hi, here's a update on BCW I got in my spam folder today, they are not even addressing me by my name?

 

 

Dear Sir/Madam,

 

Thank you for your email, the contents of which have been duly noted.

 

For security reasons, please confirm your full address **(previous/current)** and date of birth to enable us to assist you further via email.

 

Alternatively if you wish to discuss the matter over the phone, please contact us on 0844 472 3917.

 

Kind Regards

Administration Department

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