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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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Hi folks,

 

Seriously dyslexic, I know this is an wrong place but I'm hoping somebody would be kind enough to move for me and my say thank you in advance to everyone for reading this. Microphone off

 

I have an ongoing dispute with npower and I need a little information on whether this is acceptable for a freedom of information request.

 

About five years ago I moved into a new property, rented took a dual fuels contract with them giving me a discount on both services.

 

Shortly into the contract I started having problems with mental health issues (ADHD, bipolar disorder among others) and I missed a few payments. They split the bills up, I now have letters with three different account numbers for each service, as well as some of the letters and bills, addressed to the owner/occupier rather than in my name.

 

In some of my clearer periods, I’ve attempted to clear this up with npower telephonically as well as through writing to no avail.

 

Telephonically I would call up explain who I was what had happened, they would take details ask me for meter readings as well as a meter identification numbers which I would supply. Consistently the response would be the same.

 

Npower: that doesn’t make sense, are you sure you have supplied the correct details.

Me: yes I have indeed would you like me to send photos.

Npower: yes please, if you could email them to me and then I will get back to you as soon I can.

 

I’ve been through this process several times and no one ever gets back to me, except for the debtors team or collections team whatever.

 

In one of my less clear moments, they managed to get an entry warrant because I wasn’t paying attention to my mail, when the bailiff served the warrant I showed him all my evidence. I also showed evidence of me trying to resolve the issue. He reported back to npower and went through the exact same procedures I had, the exact same results.

He chose not to enforce the warrant telling me that if he had seen the evidence prior to going to court he would not have.

He reported back to Npower that he was unable to fit the meter, he gave me great advice on how to block Npower from trying to enforce the warrant for the remaining six weeks of its validity.

 

I have also tried to resolve the issue through writing, where unfortunately we cannot seem to manage clear concise communication that brings out an end result.

 

They have accused me of tampering with the equipment which proved to be erroneous.

 

Somewhere in between April and June 2014 a service agent made entry taking photographs of all the equipment, he admitted that they had mismatching information and were in the process of resolving the issue in our stairwell….

 

I sent in a letter of complaint which started dealing with the issue but that broke down rather rapidly I'm still not too sure who or why (having had an accident in October 2013 to which I am now just recently fully recovered) but still seeking medical attention for related problems.

 

I do not believe this issue can be resolved without third party involvement.

 

The electricity accounts that they are preparing to take me to court to recover arrears (dated 2 March 2015 your outstanding balance notice of intention to apply for a warrant of entry and notice of intention to file a default on your credit file) is the account that they have had continuity of my name.

 

Ideally if we are going to court for something I want both fuels together, as the contract stated is dual fuel contract. And the serious breakdown in communication has always occurred when trying to resolve the identifiers with the gas account and equipment.

 

They have rewired our entire stairwell and can only presume that it is my flat is holding up as all the rest of the stairwells seem to have been wired up.

 

What I want from Npower to bring about final resolution:

 

1.) To return my fuels to a duel fuels contract with discounts applied for the preceding years.

2.) I believe that throughout this process I have also been put on higher fuel charges if this is so I want them returned to the contractually agreed prices.

3.) I want them to remove all the charges as well as interest charges that they have added to my account both manually as well as automatically(Call out charges, letter charges, the first warrant charges)

4.) And if we can agree on this then it’s a matter of compensation.

 

What I want from in Npower by way of freedom of information act:

 

1.) A full statement of accounts (asked for several times never provided).

 

2.) A copy of all letters sent to me in paper format. (ADHD, dyslexia, eye distress it easier for me to have all of our communication in a paper format so I can identify specific areas that I would like to dig deeper.) I believe there were changes made to my account at some point in the last 12 months, but I'm not sure exactly where or how. I have a lot of communication here but due to mental health issues I cannot be sure I have all of it, and in order to go court I need to be clear and concise.

 

3.) A copy of all communications in digital format (including all metadata, manual changes to my account, all call recordings)

 

4.) Basically anything to do with me, I want to know who they sent my personal information to under what circumstances and for what purpose.

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Thread moved to correct forum - I am sure someone will pop in and advise as soon as they can :)

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

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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If you are requiring data, then you will need to send a Subject Access Request - this will cost you £10.00 and they have 40 calendar days in which to provide this information.

 

Link to a draft request below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?406188-DWP-Subject-Access-Request-From-(SAR)-**Updated-March-2014**

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

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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Agree with citizenb about the SAR. FOI requests only apply to government departments, councils etc, not companies.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Thank you very much for your help, it took me days to write that and a lot of stress but so well worth it for the information thank you. The hardest part for me really is reading to try and find a solution now that I finally overcome the problems with typing!

 

I hope you folks have an absolutely fantastic week. All the best.

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:thumb:

 

Once you have all the data, let us know and we can advise what you need to be looking for :)

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

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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Thank you very much I will, citizenb would you mind if I emailed you a draft of the SAR for proofreading before I send it? I still have your email address from a previous communications if that is still!

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There is no mystery and no great trick to an SAR.

 

Simply write to them. Head up your letter "statutory disclosure request"

 

And simply put "This is a statutory request for disclosure of all personal data which you hold on me pursuant to the Data Protection Act.

 

I require you to disclose all data which you hold on me including correspondence, telephone recordings, screen notes, memorandums, and any other data which you hold on me in any form whatsoever and in respect of any matter.

 

I enclose a statutory fee of £10 and you have 40 days to comply."

 

Put at least that – and add anything else you want. They will treat it just the same. They either won't comply or that only comply in part. The only time they will get a move on will be if you serve in court papers – and even then they seem to hand it to some paralegal of theirs call Kenneth Bradley Bradley Radley Madly whose quality of drafting as far as I've seen is extremely poor.

 

Npower seem to be incapable of running their business correctly whatever they are trying to do.

 

No doubt the execs are all enjoying huge bonuses and slapping each other on the back and oblivious to the mess that they are causing.

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Thank you very much I will, citizenb would you mind if I emailed you a draft of the SAR for proofreading before I send it? I still have your email address from a previous communications if that is still!

 

As BF has advised, there is no requirement to provide a list of what you require - the request is for all data they hold on you.

 

:)

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

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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  • 2 weeks later...

So update on this,

 

Got in contact with the citizens advice bureau who passed me onto the extra help unit. I pretty much sent the first post omitting the very last statement. Had a chat with the person at citizens advice, really frustrating with ADHD, was passed on to the extra help unit.

 

Dear Mr Dean,

 

Please find attached our complaints acknowledgement letter with more information on the Extra Help Unit.

 

Kind Regards,

 

I am going to be sending off the SAR request on Friday (financial restrictions) thank you so much for all your help folks.

 

Edited for clarity

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