Jump to content
  • Tweets

  • Posts

  • Our picks

    • 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
      • 49 replies
    • 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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 1908 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all,

have a friend who has received a letter asking him to attend an interview under caution, letter is ambiguous as it states he may been seen by either fraud department or some one from housing/LA.


He has no idea what it could be so I had him ring the person named on the letter and their direct line to inquire for more information but they reused to dilvulge any further information stating they would inform him on the day.


He would like me to go with him for support but looking at his letter it states several times that he may take a legal representative so the question is can I go support him or is the letter correct that it must be a legal person.


Have read several posts on CAG that say someone can go for support with someone on an IUC interview but confused that the letter states what it has.


Regards to all

Link to post
Share on other sites

He can take you along as friend to the interview, but it's just for moral support & you can't take part or speak on his behalf.


A legal rep would be entitled to pre interview disclosure - ie the officers tell them a bit more- prior to the interview. A legal rep can advise him.


If he is vulnerable then he may need an appropriate adult at the interview- which could be you.

Please do not ask me for advice via PM as I will not reply.

Link to post
Share on other sites

I went for an IUC 2 weeks ago, They wrote why I was being called on the letter they sent. When I got there, they put the recorder on and told me exactly what it was about and then told me I had the opportunity at that point to end the interview and seek legal advice if I wanted to. I chose not too, and continued with the interview.


So, if your friend doesn't take a legal rep hey may be able to stop the interview once he finds out what it is about and seek legal advice, if he thinks he needs it. Be warned though I am still seeking legal advice and its been 2 weeks!!


Good luck :)

Link to post
Share on other sites

Hi all


just to update this thread.


My friend went for his IUC yesterday and and it was to do with non declaration of pension income from 2011.


Now back in 2011 my friend signed on for JSA and was asked on the form if he had any income or was expecting to receive

a pension in the next three years and he said no to this and then received JSA for some weeks until he decided he couldn't handle

the stress of going as he felt like he was being looked down on and he stopped attending JCP and his JSA was duly stooped.


Moving on he had a heart attack in early 2013 and had to have a triple by pass and due to this and only having one leg he lost as a

a child due to poor circulation and was now being treated for poor circulation in his left leg he was placed on ESA and further to this he had another heart attack in early 2014.


Now my friend was under the impression he would not get pension until he was 65 (he was 58 in 2014) but someone mentioned he could cash in his

private pension he had from his previous Job where he had worked for many years until he was made redundant and so in April of 2014 this is what he did.

as he was behind in his rent and was likely to be evicted.


Now he informed the DWP that he was now receiving a pension and they then dropped he ESA payment to £25 per week as he had a pension income.


Now at the IUC he was asked why he did not declare he was getting a pension in 2011 and he replied that he wasn't and that he did not start getting one

until 2014 which he duly informed them of.


Strange thing is they had a letter from the pension company that they started paying his pension in 2014 and a bank statement they had obtained showed

that payments from pension company started going being payed in 2014.


They kept going on about 2011 but as he states he did not know he was going to get a pension in three years he ticked no as he was not aware he could get it

before the age of 65.


To reiterate, he only receive a few weeks of JSA as he decided not to attend JCP and thus it was stopped.


Now the situation is this, they advise that all information and DVD recording would go to an adjudicator who would decide one of three things:


1) No further action


2) Over payment would have to be repaid plus 50%


3) Matter referred to CPS


He has plenty of evidence in the form of letters from DWP that his ESA was being reduced as he has declared he is now getting a pention

and further letters from his pension company.


Seems like a waste of time to me for this pettiness but that's the way it is.


Regards to all

Link to post
Share on other sites

No cause of complaint as the benefits people are only doing their job requesting an explanation to an issue raised.


When you apply for a benefit you agree to what ever measures they need to investigate any possible future events when you sign on the dotted line


They can do this investigation without your consent if needed, consent is an illusion


Section 29 Data Protection Act 1998 gives an exemption if used to the detection and prevention of crime. The Fraud department use this to bypass your data protection rights to snoop on you

Link to post
Share on other sites


no there will not be an overpayment, basically back in 2011 he signed on for JSA and one of the questions was "are you expecting to receive

a pension within the next three years" he answered no as he did not know at this time he could cash in on his private pension and after not going

to JCP after a few weeks as he felt like he was being talked down too and his JSA was stopped.


Got his self into rent arrears in 2014 and then was informed he could cash his pension in early and so did so.


At this time he was on ESA and this was reduced to £25 per week due to the pension income.


Main gist is they are asking him why he did not inform them he was getting a pension in 2011 and his response is that he wasn't

and did not do so until 2014.


loads of paperwork from DWP and pension company supporting this.



Link to post
Share on other sites

They might be looking at it as income available on application - but those regs are really complex.

Did the investigator indicate if they thought there was an overpayment?

Please do not ask me for advice via PM as I will not reply.

Link to post
Share on other sites
back in 2011 he signed on for JSA and one of the questions was "are you expecting to receive a pension within the next three years" he answered no as he did not know at this time he could cash in on his private pension


The key point here is are you expecting to receive a pension to which he answered truthfully. If the question had been "Will you claim or cash in a pension", then there may be grounds to allege fraud if the DWP can prove intent.


Even with the recent changes in pension rules, having the option to take or cash in a private pension early does not mean that one should. Indeed, it is generally inadvisable to cash in early as there are usually significant penalties for doing so.


If your friend does get an administrative penalty, then he should challenge it on the grounds that he answered to the best of his knowledge at the time - i.e. He did not expect to claim a pension. If the case gets referred to CPS (unlikely), then he must take legal advice, and they may well say that expectation is not the same as can or will.





No... you can't eat my brain just yet. I need it a little while longer.
Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...