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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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Do I need my husbands signature on ppi form ?


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I split with my ex almost 2 years ago.

Since then ( prob irrelevant ) I have sorted out almost 100% of the financial mess he left us in.

I have paid for and initiated all the solicitors fees and divorce .

 

He was chased for an old debt last year and as usual ( because they had traced him to his mums house which he didn't like ) , he asked me for advice .

 

As the debt was over 20 ! years old I advised him not to acknowledge it in anyway

and no it wouldn't appear on his credit file .

I then asked him if hed considered claiming for PPI and he said no.

 

I asked him if he minded if I did as it was in joint names

.He was fine about that .

He is extremely lazy and would never do it himself .

 

I put a random claim in and they've offered me an agreeable amount .

 

It says the payment will only be made to the bank account of the complainant ( me )

but I did put both our names on it and believe it or not his name is still on our bank account

because he wont take it off ( not because hes up to anything he is just lazy ).

 

Theres a place for me and for him to sign.

 

I was fully intending to give him half but he has paid nothing whatsoever towards this divorce

and it will just about cover my solicitors fees.

 

 

Following a long talk with a trusted friend she said- oh for goodness sake just use it to pay for the legal fees its not like your buying a new handbag !.

 

 

So Im going to pay the cheque into our account and use it for that .

I wont try and hide it and I will tell the solicitor so at the end of the day he gets his share when the settlement is made .

I need the bit of savings I have ( and was going to have to use ) as I have a house and 4 children to support 100 % .

 

If only I sign will then question it and not pay ?

 

Otherwise ill have to own up earlier than I was going to by asking him for his signature .

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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urm..why not sign for both

I doubt they'll even check his sig...

 

 

dx

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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I was pondering that !

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Once the cheque is in your account and cleared, I would be inclined to start a new account with a different bank on your own. You can then tell the bank that you no longer want to be associated with the account oryour ex

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Either party can initiate a claim for PPI without the others consent alone....I would not advocate forging anyone's signature.

 

Andy

 

Thread moved to the appropriate forum.

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Hi mooshy, my ex wife went to a CMC regarding claiming back PPI on two credit cards held solely in her name.

 

Whilst investigating this, the CMC discovered a huge amount of PPI on what was once a joint mortgage, but since the divorce and me paying her off, the mortgage has been in my name only (for the last ten years).

 

The insurance company sent her a cheque for just over £6k with a letter saying that the other half of the payout was being held by them should the other joint mortgagee (me) make a claim.

 

Needless to say that claim has now gone to them and I'm hoping that these payments have carried on up to the present date!

 

So it looks to me that if what you are claiming on was in joint names, they should only be refunding you half that amount.

 

Hope this helps.

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