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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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Hi,

 

 

I was checking my Noddle report and noticed a default by MyJar dated March 2015.

 

 

At first I was confused as I had never heard of this company. Anyway after a quick google search they were related to txt loans with who I did have a loan with back in August 2011.

 

 

I checked my old email account that I no longer use and noticed that they had sent me a default notice December 2014. The amount was for over £600. The original loan was for £300.

 

 

What really frustrates me is that I did have serious financial problems in 2010/2011 however they have since passed. I was kind of seeing the light at the end of the tunnel with the defaults now becoming 4/5 years old. This newly registered default will now be on my credit file until 2021 which is a bit upsetting.

 

 

Is there anything I can do about it?

 

 

I sent them an email threatening ICO, trading standards, financial ombudsman and all sorts but they just replied back with....

 

 

 

 

The reason that the default has not been registered before now is that we have only recently begun sharing data with a credit reference agency. It was not therefore possible for us to register defaults before that time. Now that we do share account information with CallCredit, we have become obliged to send them updates and, where an account is seriously in arrears, to register a default.

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So do you owe them anything?

 

Technically if you do, then as long as the info on your credit report is accurate, there isn't a great deal you can do.

 

Have you got the default notice they sent you?

What are the dates on it by which you had to rectify the account before they would terminate the agreement?

 

You can also place a 'notice of correction' alongside the default too.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks for your post Bazooka Boo.

 

 

I do owe money (although £600 is much more than the loan agreement), and the date they gave to rectify was 14 days. They only sent the notice by email, not by post. Also they stopped claiming fees or interest back in 2011 - so it was in default back then. Why add a default dated March 2015 when the default happened in 2011.

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They MUST put the correct date of the default on your file. They cannot fudge that.

 

You could point out that as you had repaid the loan prior to the new rules for credit reporting, then this is grossly unfair.

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Would this invalidate the default notice...

 

 

The date of the notice from MYJAR is December 2014. The date of the letter of assignment of the loan from txtloan to MYJAR is Feb 2015.

 

 

The default notice was issued by MYJAR prior to them owning the debt.

 

 

They have separate consumer credit licenses however they are under the same ownership.

 

 

Effectively however MyJAR sent me a default notice in December and I would have little idea who they are and it is prior to the notice of assignment that was issued by txtloan in Feb 2015..

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Well heres the deal, they need to put an actual date of default relevant to the actual Loan...

I had mine written off as it wasnt mine and I think they are still trying to get it removed of the credit profile .

 

I can put you in contact with their MD and their Compliance Guy if its any help?

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Well heres the deal, they need to put an actual date of default relevant to the actual Loan...

I had mine written off as it wasnt mine and I think they are still trying to get it removed of the credit profile .

 

I can put you in contact with their MD and their Compliance Guy if its any help?

 

 

That would be great if you could, fkofilee.

 

 

I do not deny I owe them money, but a default dated 4 years after I was in breach of the agreement is annoying!

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That would be great if you could, fkofilee.

I do not deny I owe them money, but a default dated 4 years after I was in breach of the agreement is annoying!

 

Paul.Smith@myjar.com - Compliance Director

Gareth.Gumbley@myjar.com - MD

 

One of the people managed to get their Loan written off by stating they were in a lot of debt. To be honest, what Myjar have done to you at the moment, its rather shocking that they have gotten away with it.

 

The default itself should NOT be allowed to be placed at its current state due to the age of the account. It should be representative of when the loan did default. Not 4 Years later!

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Thanks. I'll contact them both right away.

 

 

Most defaults on my credit file will clear in 3 years time. I was hoping to buy a house - get on with my life - once they had disappeared. This 3/4 year late default from nowhere is very upsetting as it will stick around for 6 years. It just seems very unfair.

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Thanks. I'll contact them both right away.

 

 

Most defaults on my credit file will clear in 3 years time. I was hoping to buy a house - get on with my life - once they had disappeared. This 3/4 year late default from nowhere is very upsetting as it will stick around for 6 years. It just seems very unfair.

 

Let us know how you get on.

As for a Mortgage, just remember that not only do the defaults need to go... You need to have a good few years of non missed payments to buy the house.

 

Problem you have is they may have defaulted it in 2011... But havent updated it correctly so the Default will actually be with your 10 years... Thats unfair. But only registered for 6

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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  • 2 months later...

Just a quick update.

 

 

I issued a dispute via Noddle. MyJar did not respond in time and the record was temporarily removed.

 

 

I got an email yesterday from MyJar stating that they are changing the date to August 2011.

 

 

Seems a fair outcome.

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A logical outcome, good!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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