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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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Rodeo £50 "compensation" fob off ... :(

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After all the years of stress from trying to defer with slc and them making mistakes with incorrect arrears etc.

then rodeo trying to change the original t&c's with their forms etc. etc. etc. ... I get a cheque for £50 and a "sincere apology".


This arrived with a letter watermarked with "copy" in large letters of a resolution letter that they supposedly sent last year ..

... but this is the first I've known of it ..

. I was still waiting for this and the copy of my original signed loan agreement that I requested with a £1 postal order (this has still not been provided).


I complained through the fos last year and it's obvious that they didn't manage to provide a solution in the time allotted

so just left it till the 6 month time period for me to complain was up hoping that I would forget about it (which is what happened).


Anyway, £50 .... just doesn't make up for all the years of hassle, infact it makes me more annoyed ..

.. especially when it's accompanied by the out of date resolution letter that I should have got last year.


Anyone else had one of these fob off payment offers?

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  • 1 month later...

I've received a £50 compensation offer too for the poor response I received from them - which I have refused because the matter hasn't been resolved. Now they've written to say they are issuing a default notice unless I pay up in full within the next three weeks or so. While I have big concerns over the administration of my student loan and am disputing what they are saying - they say there is no dispute, I owe them the full amount, and if I don't pay up they will go ahead with default notice.

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I thought only the original owner of the debt could default it ?


I am not so sure that the debt can be sold/assigned and then the new owner impose new terms and conditions either ?


Just because you missed the 6 month deadline Check123 - It might still be worth making a complaint to the Financial Ombudsman again, especially if it was through the incompetence of either the FOS or the heel dragging by the company.

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  • 1 month later...

Judging by recent posts people are in a no-win situation here - especially as the FOS seem to be backing Erudio. It's a pig I know and a very hard lesson. I've come up against this before - time and again even - with the courts, professional bodies, etc. Ultimately their backs are protected and no-one held accountable. Justice is not served or seen to be done. There is no-one left to complain to and we just have to get on with it and carry on regardless! They grind us down but we will keep getting back up again and we won't go away and we will win eventually no matter how long it takes. Because we already are the winners. The truth is the truth and you cannot alter that fact. There is strength in it. It can seem a very fine thread that is clung to at times especially when the whole world seems against you but it is a thread nonetheless and very real. Not like those jokers who are having a laugh at our expense. They're the losers because their arguments and decisions are based on errors, mistakes and illusions - their kind of establishment is not what holds reality together - it can seem real but it really isn't. They are hard times but we will get through them.

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