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

Please note that this topic has not had any new posts for the last 1800 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 need help urgently***************....

 

on 11th august 2015 around 2330 at night i received a text messages from barclaycrad to confirm some transaction my card,

there were transaction that i had used on 10th and 11th to which i replied Yes( HOW WRONG WAS I)

I was at home with my mother and a friend of my mother,

 

 

i than received further emails and messages from barclaycard that my credit card was used for £3500 on virgngames.com (gambling site)

also £280 was taken from my paypal account.

 

i called barclaycard and reported it straight away it was around 0130 in the morning

3 minutes before the last transactions that was done on my account,

 

 

barclaycard blocked, issued me a new card and sent me a dispute form to fill out and send it back.

i did and got a full refund within 10 days, and from paypal.

 

however barclaycard fraud team have now contacted me again few weeks ago and asking me to fill out another form

which stated FRAUD DECLARATION FORM to fill and send it back,

 

 

again i did and they wanted bank statement, prove of my passport payslip basically everything...

.. i done that and it proved that i do not gamble.

 

 

however barclaycard spokesmen was so rude and aggressive and was trying to pin it on me,

saying all my details like mother middle name, IP address, Email verification and all my details matches

and if i was drunk and did not know that i did it, REALLY!!!!!

 

he called me and said if i was sure that i want to go ahead with this case, i said yes and he stated i would get a decision within 5days through he post,

8 days went pass nothing,

 

 

i than get a call saying he and a senior investigation team want to come and see me face to face

and speak to me and make sure there arent any misunderstanding,

i have no problem and said sure lets meet,

 

 

but i am worried of what might happen

i have reported it to action fraud,

spoken to Citizen advice bureau,

spoken to police and not sure what to do,

 

 

they are calling me after 3 months after initial fraud

and trying to pin this on me now!!!!

 

help what do i do,

any advice about why the meeting as they are coming from north of england

and i live in south of england and why the meeting??

they have treated me really bad as if i am the suspect!!!:x:-x:-x:x:|

Link to post
Share on other sites

Hi Jafy and welcome to CAG

 

You need to keep all communication by letter only, so you have proof of what's said by either side. Unless you record calls, you have nothing.

 

I've not heard of BC sending staff out to meet card holders before but, if this happens, record the conversation. See here - http://www.consumeractiongroup.c%20o.uk/forum/showthread.php?439552-Guidance-note-Dealing-with-Customer-Service-Departments-**Correct-at-Jan-2015**

 

Also, the bank should always refund you any amount you challenge as per FCA regs - https://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=3&cad=rja&uact=8&ved=0CCgQFjACahUKEwiN9s3wmJHJAhUCsxQKHWWXDk4&url=https%3A%2F%2Fwww.fca.org.uk%2Fconsumers%2Ffinancial-services-products%2Fbanking%2Fyour-rights%2Funauthorised-payments&usg=AFQjCNE62LtGkMmqN7pLoo5rphOtoXsXvw

 

It sounds like BC recognised these as fraudulent transactions but they're trying to dodge their responsibilities.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Many thanks I have asked for a letter confirming of who's going to attend and what they going to talk about!!! I've received the letter today and it confirms meeting will be in my local branch with a senior investigation officer and person I was dealing with originally!!! Al it says in the letter is time and confirming it will be a meeting and nothing else!!!

Is this normal do I have to go to the meeting?? Why after nearly 4months tho??

 

Cheers

Link to post
Share on other sites

I don't know if its correct but I had a dispute with an online gambling site. They debited my card more times than I had asked them too. When I contacted my bank (Barclays) they said that the Visa regulations do not cover gambling companies. They said there was nothing that they could do. Good luck.

Link to post
Share on other sites

You will need to be prepared with an answer to the question of where and how did they get your account details including the answers to the additional security questions.

Link to post
Share on other sites

Threads merged and tidyed, please keep to one thread

 

Regards

 

SS

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

But I don't have any idea where they have got my details from,

also my mothers account was hacked and someone tried to open contracts and put money into a pay as you go!!

 

 

Where my mother was not even in the country!!!

 

I am prepare to answer any questions as I have already given them 2 statements!!!

 

 

But why the meeting that's what I don't understand

Link to post
Share on other sites

Hi Jafy,

 

I am prepare to answer any questions as I have already given them 2 statements!!!

 

Did you mean to say you are NOT prepared to answer questions ?

 

If you fail to co-operate with them, they may suspect you're involved in the fraud.

 

They may add the transactions back to your a/c and you could end up with a CIFAS report against you. This could be detrimental to your credit rating.

 

You should use the meeting to ask THEM to confirm what suspicion or evidence they have to consider your version of events to be questionable. Read up about their obligations to refund from the link I posted.

 

After you had the call on 11th Aug at 23:30, was it just 2 hours later that you called BC or was that a later day.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

No, I am willing to co-operate and give any information to them, I have spoken to police and other agency!!

Yh within 2hrs and bit I received further emails and I called BC straightaway and reported it!! And received full refund after my first fraud disputed transactions!!

Link to post
Share on other sites

Ah, ok.

 

When you go to the meeting, it's been suggested that you should take someone with you.

 

Not to intervene in the interview at all, but to witness and make notes.

 

The BC rep may not like this but I'd insist on it happening.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Nope person who's dealing with the case will be coming with his senior invitigator, and it does not say if it is caution+3 all it says is a meeting!!! Are they obliged to tell me if it is caution+3 and should I take someone, thanks for your help and I have spoken to fos and will be making a official complaint after this

Link to post
Share on other sites

Hi Jafy,

 

I very much doubt it would be an interview under caution as no one at BC has the authority to do this.

 

I suspect it would be a meeting/interview with someone who does this often. Take care not to be intimidated or get angry.

 

If there is any mention of this being an interview under caution, I'd decline and come back here to seek advice.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Why did you authorise the transaction when they sent you an SMS? Didn't raise alarm bells seeing £3500 going out of your account?

 

How did you manage to prove you don't gamble?

 

If someone was going to use your card to deposit money, why did they use your email address too? Did you already have an account with the company? Sorry, but this doesn't make sense., and I can see why the bank is acting this way.

 

This does all smell a bit fishy.

Link to post
Share on other sites

I have never gambled I've given my all my bank statement to them to prove that I don't gamble!!!

I really don't know why it was a genuine mistake to which I understand myself and it does look bit well more then fishy!!! But it wasn't me, I have never had gambling site before and is the first time!!!

All I could think is email was hacked into as they had all my details everything!!

Link to post
Share on other sites

You mentioned that they also used your mother maiden name, was this to sign up to the site? They wouldn't have needed that, let alone your email address to sign up and deposit money.

Link to post
Share on other sites

Yeh I have used it in past, I have also used it from different computers as well!!!paypal I only use it to buy goods from eBay and Amazon, I think biggest transaction was about £40 from amazon!!!!

Link to post
Share on other sites

Yh they have, I've logged into my account and seeing over 9emails from the gambling site one says thanks for the verification.... And the rest was confirmation of amount withdrawn!!!

 

I really don't know what to do and scared as is stressful I have never ever had any problems with banks or anyone so really don't know what to do!!

Link to post
Share on other sites

I am no expert but this sounds like you have a virus on your PC that is redirecting your searches

 

I once had every contact in my hotmail account spammed with offerers for that male enhancement blue pill

 

The microsoft response was simply to change your hotmail password

 

Gambling sites like porno sites are a hotbed of Mallware programs, you probably got it by opening up an innocent email containng the Malware

 

Might i ask what Anti virus AND Anti Spyware programs do you have on your PC

Link to post
Share on other sites

Any calls from 'Microsoft' about a problem they 'detected' on your PC and need to connect to it urgently?

 

Or have you filled in any forms from websites which asks pretty much all of your details? They may look legitimate, but can be phishing sites. Perhaps from your bank / paypal?

Link to post
Share on other sites

Hi Jafy,

 

If you use the computer online for browsing and particularly if you use it for any online banking, you MUST have Antivirus and Antimalware protection.

 

Which? Magazine rates Kapersky Internet Security 2015 highy at a cost of just £26 and it scores 80% on Which's review. Or the best free Antivirus is AVG rated at 71% by Which.

 

if you aren't competent or confident about this issue, get advice from a Techy friend or go to a local PC shop that local folk recommend to you.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...