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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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Moneybarn!..scottish claim return of vehicle order . arrgghhhhh!!!!


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Hi there,

 

I wrote to the court as mentioned above and explained that I need to a continuation until end of November as I am back at home due to illness in the family.

 

 

I received a lovely e mail saying that they would be in touch.

I received a further e mail asking for time frames, which I replied again,

only to receive an e mail back saying they have postponed until, 11th November!

 

 

I have gone back and explained that I cannot attend then as I will not be in Scotland per both my e mails

explaining time frames in depth and they have replied pretty much saying 'tough' and get a Solocitor to represent you!

This is exactly the stress and upset I was trying to avoid and now I'm back to square one!

 

I can't get a Solicitor as I'm not there to meet with one prior.

 

 

Surely, it should not be that difficult to move it forward a few weeks?

 

 

Especially when they know my situation and time frames????

 

I'm so upset by this and I need to be focuses get on my father and not this.

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if you cannot move the date forward, your other option would be to reach an agreement with Moneybarn prior to the hearing

 

depending on how important the car is to you

 

unfortunately they will be pressing for a resolution due to the increasing depreciation on the vehicle

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Its really important to contact the court again and try to move the date forward, if the hearing goes ahead without you attending

 

Moneybarn will most likely suceed

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Hi

 

refernece above...

 

I wrote to the court who advised me that they could not move the date forward again

and that I would have to speak to Brodies solicitors directly.

 

 

I have done this and received a very cold e mail stating that hearing is going ahead on 11th November and seek legal advice if I cannot attend.

 

There is no 'if' I can attend. It's 'I CANNOT' attend as I am not in the country.

 

I do need my car as I cannot work without it.

I do not need this particular car but a car in general.

Once this car goes, i wont be able to get another car on finance and certainly cannot afford to buy one, not even a banger so I'm pretty much stuffed.

 

Even the hearing going ahead on the 11th, I cannot arrange for the car to go back until I return to Scotland anyway!

 

I really do not know what else to do!..

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the only other alternative would be to come to an acceptable payment agreement with Moneybarn prior to the hearing

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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They would want at least £700 a month which I cannot afford. This is probably a stupid question so forgive me upfront if i come across as dim..

 

Would they consider me returning this car and look at an alternative cheaper model with a new cheaper agreement?

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I,m afraid that given the situation, if you cannot reach an acceptable payment plan, I would return just for the hearing, its imperative if you want to keep the car

if you return the car you will be liable for the full agreement

 

I think you will have to give Mbarn a ring and see what an acceptable payment would be, explain the full situation

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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not being funny

but I quite regularly travelled south in a day

using the overnight sleeper

then returning in the afternoon.

 

 

ok could cost a bit of money but it is possible

I've done it for as little as £45 there and back but that was booking in advance.

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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  • 5 months later...

I have always been given good advice by yourself regarding Moneybarn

and wondered if you can help me again?

 

I last spoke to you back in November time regarding a Time Order which I was granted.

I sent a written letter to the court in December to update them on my situation

as a hearing was set on the 3rd Feb (which I could not attend)

stating that I had just returned to work and that I would offer £200 a month for Jan, Feb & March

and then I would look at repaying a larger amount to compensate the arrears.

 

 

The hearing went ahead but I have not heard anything until today

when I was given (hand delivered) a Extract Decree stating:

 

The Sheriff

Ordained the defender to deliver to the pursuer

Ford xxxxx moto vehicle Registration xxxxxxxxxxx chassis number xxxxxxxxxxxxxxx

together with the keys, registration documents and service history therefor

and that within 5 days of intimation upon the defender of this extract;

 

 

failing delivery as aforesaid, Granted warrant to officers of court to search for and take possession of said motor vehicle, keys registration documents and service history and to deliver them to the pursuers,

and to that end to open shut lockfast places; THIS EXTRACT IS WARRANT FOR THE LAWFUL EXECUTION HEREON

 

Firstly, I made payment to Moneybarn of £200 in January and February and was meant to pay the £200 today.

I spoke to the litigation team in January to get their bank details so that I could make payment

and again at the end of February and nothing was mentioned then about what had happened in Court.

 

 

This seems to have only now come to light since I emailed Moneybarn on Monday

to say that I would be making a payment by the end of the week.

It seems like they forgot to send me this document I received today

and because of my contact, this has reminded them?

 

What are my options?

should i just give in and give the car back within 5 days?

 

 

is it 5 working days or 5 days?

5 Days is not a long time at all and I can't be without a vehicle!

 

Really do appreciate your opinion before I ring the court to ask?

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not sure how many times me and others said it was imperative that you attended the hearing....??

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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so you were granted a time order at the hearing on Nov11th, did you not keep to the terms of the time order?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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The time order was granted and I received a letter from the court stating that they would reconvene on the 3rd February to allow defender to commence payments, which I have done per my application heard in November.

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what exactly did you receive from the court?

you say the time order was granted, what were the exact terms of the time order?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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are the court aware you've been making the payments?

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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They should do as I sent them proof of payment for the last 2 payments of £200. I must admit that the last payment I sent to them, the court did come back with an e mail asking what the payment was relating to so I had to explain and give them the case number again.

 

How can I upload the last correspondence I received before today?

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pers info showing

unapproved

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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the court adjourned the hearing until Feb 3rd, and when you didnt attend, granted judgement in favour of the claimant

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Even though I explained in advance by phone and writing to the court that I could not attend due to being down South at a funeral on that day.

 

What are my options?

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