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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.
       
      • 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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SLC/Avantis and ESA


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Hi All

 

My daughter had to leave uni just before the end of her first year (this was about 4-5 years ago) ,

 

 

since then, the SLC have harrassed her for an "overpayment " of her maintenance grant.

 

 

I have consistently told them that she is on benefits and has NO spare money each week.

 

 

Firstly they sold it on to Drydens and now Advantis.

 

One day, when she is well and working , she will be able to pay this, but , she is still on ESA, receiving help,

she is steadily getting better but still isnt ready to return to work and even if she was,

there is no way that she would be able to repay this money for a good few years,

I showed the first DCA copies of her ESA award and now I am having to deal with another one!

 

I have a few questions.

 

 

Is there a letter that I can use to get them off her back because if they harrass her, she will relapse and they will NEVER get their money.

 

Also, if the SLC sell the debt to a third party, doesnt it become a normal loan and thus can become statute barred?

 

thanks for your help.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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I would suspect the letters from the DCA say 'our client' SLC?

 

 

none of the loans since 1998 have been sold on.

 

 

if this is the case simply IGNORE the DCA's there is NOTHING THEY CAN DO.

 

 

they ARE NOT BAILIFFS !!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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thanks DX, I heard somewhere that they are getting a bit cheeky, but even if they take her to court, she has nothing, owns nothing of value, and it on benefits.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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they cant take her to court

 

 

only the owner of the debt can do that

 

 

and that's the SLC I assume from your post?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Yes, SLC own it

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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then you totally ignore powerless DCA's

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I'm fairly sure that in this situation SLC are obliged to consider writing off the debt - had to help one of mine who gave up uni to go on carer's allowance and they did write it off.

Off to search through old correspondence, hopefully will be back with something useful.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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The paragraph from the independent assessor's report is :-

 

Where there has been an overpayment of grant because a student has withdrawn early from a course, the SLC’s letter requesting repayment should make clear that if the student has withdrawn for exceptional personal circumstances and can provide adequate evidence, the SLC may choose to exercise its discretion and not pursue repayment

 

I think illness is an exceptional personal circumstance - has it been made clear that they can choose to write off in these circumstances? If not, perhaps first a letter to SLC detailing the circumstances with evidence and asking them to call off their dogs might be in order. From experience, don't expect a reply, but you can then escalate as a complaint.

 

I'm looking for the bit of paper that quotes the exact regulation, though this would refer to 2009/10 and I know the regulations have changed since then. Might be quicker to have a search online.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 1 year later...

hmmm I know this is a very old thread, but no letter from them has evermentioned this.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Which is why the complaint I helped with succeeded - the Ombudsman or Independent Case Examiner or whoever said SLC should have made it clear that repayment can be waived and in that particular case, SLC should have waived repayment.

 

Basically the person concerned finished their first year and fully intended to return but in late August/early September a family member became seriously ill and they had to take on caring instead. SLC consistently maintained that the student, presumably with the aid of their crystal ball, should have known they were not returning for the second year and not spent all their grant over the summer holiday. Stupidly, had they turned up for the first day back, no repayment would have been due anyway, therefore for anyone potentially in this situation, go back for day one, don't spend any of the new year's grants/loans, and then withdraw and return their money, problem solved!

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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