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.
       
        • Thanks
      • 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

Court summons to incorrect address - now CCJ *Car leasing hell!!


Please note that this topic has not had any new posts for the last 1806 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

Long story but will keep as concise as can be.

 

I am leasing a vehicle which required some work

(impossible to remove wheel nuts to replace tyres - vauxhall dealership

said previous owner had used the wrong instruments previously)

 

 

I contacted the company for advice (first time leasing a vehicle, wasnt sure on liability)

they admitted that after just 6000 miles I should not need to replace the tyres,

and as a courtesy would take the vehicle and replace them.

 

 

At no time was I told they would charge for this (or I would have done it locally)

It was due MOT the same week which the lease company said would put through the MOT

and bill me for the cost of the MOT. This all occurred August 2013. - this was done verbally. :(

 

I received my car back with damage to the rear pannel, to which I comtacted them immediately to sort out.

They denied everything to do with it and tried to suggest that they had noticed the damage themselves, that it was already there. Complete lies!

 

 

A week later I received an invoice (rather, my neightbour did) for £290 which included the replacement tyres,

removal of old tyres and maintenance plus the MOT.

 

 

I contacted the company to dispute this and to also chase up on the status of my claim regarding the vehicle damage.

They tried to suggest that an email had been sent to me outlining the total cost of the work,

yet when I asked for proof of this it was clear that they had the wrong email address

(although I had been comunicating with them via email the entire time I had been dealing with them for the lease hire)

 

We disputed this for weeks and in the end I accepted their offer to waive the cost of the MOT and would pay for the tyres only.

I asked for a new invoice (reiterating my address - and advising that they got it wrong previously)

and I shared pictures of the body damage which was requested by the CEO to look into.

 

 

- For 2 years I hear nothing,

I pay myself for the body repairs via a garage and assume (stupidly) that common sense had prevailed.

 

 

Bare in mind that I am still a customer, the car is outside my house right now,

I pay them via direct debit £159 a month, so I am not difficult to find.

 

2 weeks ago I had a call from a collections agency chasing up the £290 to which I disputed

based upon the situation raised above.

They advised they would put the claim on hold whilst they investigate.

 

They called me back today claiming that they are willing to take this to court

and that unless I pay £490 (including costs) there would be a summons against me.

 

 

They then re-read my file and advised that a summons was already against me, it was raised in August of this year.

I advised that I have never received any communication since 2013,

how can I be expected to acknowledge the summons if I didnt know it existed..?

They threatened me with bailifs unless I pay £400 today to clear the debt.

 

 

I felt intimidated and did this straight away with the aim of speaking with Citizens Advice afterwards

to understand my rights and how to proceed regarding the vehicle damage which was never acknowledged.

 

I was given I reference number by the debt agency and I called the courts immediately.

I was advised by the courts that the summons was sent in August 2015

and as I had not paid within 30 days that a CCJ has been listed against me.

 

 

When she asked for my details it became apparent that the address Hippo Leasing had given to the court

was the incorrect address that they sent the initial invoice to.

. it was the neighbours address of my previous address.

 

I am not sure where I stand in this case.

The lady at the courts suggested that I have grounds to set aside the CCJ

on the basis that Hippo did not provide the correct address details for me

, but that I need to pay the £155 to do this.

 

 

She also suggested that I may be able to get the courts to enforce the £155 on the car leasing company as it is their error...?

 

2nd thing is

if I have any legs with the body damage thing?

I wish I had escalated it further at the time,

but I gave them the benefit of the doubt (that they were absorbing the cost of the repair)

so I arranged to sort the rest out myself.

:-x:-x

Any advice welcome!

Link to post
Share on other sites

A huge number of problems occur because people like yourself take companies in good faith and accept what they say. Or else, because the company goes silent, people like yourselves imagine that everything is sorted out and it's all going to be okay.

 

How wrong you all are!

 

Your story is extremely familiar.

 

You need to start taking control of this and you need to do it quickly. This will also have impacted upon your credit file as well of course.

 

Apply for the set-aside. Follow our links to set aside and you will get some idea of what to do.

 

The best thing to do will be to contact the other side and see if they will consent because if they will than that will save a lot of trouble.

 

Go to the courts website and download a form N244. This is the form that you need to make the set-aside application.

 

You're quite right, it will cost you money but you should ask the judge to award costs to you in any event because the reason for having to apply for the set-aside is clearly the fault of the other side in that they got your address wrong when in fact they have all the correct details on file.

 

I fully understand that you want to get compensation for the damage et cetera. I would treat this as a separate matter if I were you.

 

After you have obtained your set-aside – and your chances are better than 90% – put in your defence and also put in a counterclaim at the same time.

 

Let me say that although you will be putting in a counterclaim for the cost of the damage, you haven't done yourself any favours in waiting the way that you have done. I'm sorry to say but your inertia in all of this has caused you huge problems and it may well be that the best you can do will be simply to make sure there's no judgement against you.

 

I think that this is a lesson that you better learn for the future.

 

If you do anything on the telephone with anybody then make sure that you read our customer services guide first and implement the advice there. You should never trust any company and you should make sure that you always get everything in writing or recorded and that you keep the recording stored away very securely.

 

By the way, what is the name of the leasing company?

Link to post
Share on other sites

By the way, what is the name of the leasing company?

 

 

 

it says Hippo in the OP

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Link to post
Share on other sites

Thank you for taking the time to provide such a detailed response, I appreciate it.

 

 

I agree with you, it is a lesson learned, I actually feel very silly on reflection.

 

My main aim is of course to remove the CCJ, which I believe I have a good chance of doing

on the basis that I have documented on email of the incorrect address they used for the first invoice

and my correction of that to the CEO.

 

i spoke with the court today and they were very understanding.

The fact that I paid the total cost the day I was informed of the summons, according to the courts, is in my favour.

It was them that suggested I claim the costs back from the leasing company.

 

The company is Hippo Leasing - approach with caution, or not atall!

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...