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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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moneybarn problems

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Bought a car using Moneybarn in May 2013

eveything going okay until I missed a couple of payments in October 2014

but agreed a repayment plan and then


on 7th January 2015 received a court order demanding the car back.

Got a form in and filled it in for a Time Order to Pay


I got a letter from their lawyers on 05/05/15 for the following

but I had been making payments from 01.01.15 as agreed.



SHERIfF COURT Court Ref. no: A???/??


Date of decree: 07 January 2015 In Absence


Moneybarn No.1 Limited, a company incorporated under the Companies Acts

having a place of business The New Barn, Road, Petersfield, Hampshire, GU32 2u


I have been making all my payments as agreed by bank transfer on time,

in November 2015 I got several calls and emails to advise my payment was not received.


I send them a copy of the statement showing it had been paid

and then they requested a full months statement showing all transaction

to prove it was not paid back in as they had not received it.

Which I duly did several times.


On 16.01.16 I got a letter in saying they are taking the car back as I have breached my court order by not paying my account.

I have shown them a statement as proof it was paid on time but they deny receiving it.


I got several nasty emails yesterday saying if I did not return the car they will report it to the police as missing.


I have since November asked to put a dispute on the account as why should I pay another £xxx

when I have proof it was paid but they will not accept this they are demanding it back.


Is there anything I can do?



I was in communication with them & Ceatta their collection company .

Moneybarn did not return one email but Ceatta company did their best to try and resolve the matter but

eventually came back and said no they want the car when can we collect.


In between all this their solicitors letter I got in May advised that if I defaulted they would revoke the agreement

and would need to reapply to the court to collect goods.


Now at my wits end


I called the Sherriff Court who were very helpful

they checked the paperwork and advised that they could NOT seek to take the car back

without going back to them for a court order which they have not

and I would have to have missed TWO payments before they could do this.


I explained to the court I have statements showing I paid the account

and all 45 emails to moneybarn which they have advised me to keep for future reference

but they are not allowed to take control of the car unless the above was done.


I emailed all this to moneybarn who still have not returned confirmation that they have received this

I have sent it to three different departments.


Ceatta have confirmed that received the email and forwarded it to moneybarn as well.


Do I keep pestering them or take my complain straight to FOS and email their CEO.?

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They deny recieving it? Go to your bank, get a statement that clearly details the transaction to the correct account, then inform moneybarn and the court.


I would be contacting their CEO asap. However, you need to deal with the court order as they could take further enforcement action.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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Hi ,


Thank you for your reply, I have sent them a copy of my statement and a full months transaction showing everything going in & out of my account . They have said it has not shown up in their account.


I have spoken to the court and they have not applied for a court order to take the car back and they cannot do this unless I have missed two full months payments which I have not. They advised me to remind MB of this. The sherriff court clerk was very helpful.

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Doesnt matter what they say. You have teh statement, your bank has confirmed it has been authorized and processed and reached the correct account. It's now their problem, not yours. You have done everything you morally and legally had to do. Send payment. Its up to them to find the payment now.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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If you have already made a formal complaint to the CEO and they are still messing you around, then you should perhaps consider escalating your complaint to the Ombudsman.


If you have proof of payment then they are not going to obtain a court order - and they shouldn't be allowed to harass you in this way.

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Moneybarn are a nasty outfit - they will deny everything, won't listen to anyone and pursue aggressively even when they are wrong. They charge extortionate interest on car finance to people who have a less than perfect credit score, because they know there's a good chance they will have trouble paying it back so they refuse to negotiate, repossess the car, and go for a CCJ for the remaining balance They used to be called Duncton and changed the name to get away from the bad reputation - unfortunately the reputation has followed them. I have helped a few people fight them and after almost having to use a hammer and chisel to get through, they eventually come to an agreement when the legalities are pointed out to them.


Complain, complain, and complain

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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fos for definite


give 'em a ring now


if dunctons had a brain, they'd be dangerous


you have ofcourse checked the bill of sale properly

and checked you've not been levied any unlawful penalty fees

like letters,phone,debt advise? get reclaiming!!

look for silly insurance hidden on the agreement too.

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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Don't bother emailing Moneybarn, they're incapable of responding and just ignore emails - write them a letter stating your position and enclose copies of all the emails you have sent them - including statements showing payments made. Send it by special delivery next day 1pm (I know it costs £5, but worth it as they have to sign for it), as it's Friday today and they won't be there tomorrow, best to send it Monday so they get it Tuesday - tell them you expect a positive response from them within 7 days or you will apply to the court for a hearing where they will be required to explain why they have been harassing you when you have complied with the court order. If you need help with the letter please let us know.


If you have the address of their solicitors send a copy of all of it to them too with a covering letter.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums



This site is run solely on donations


My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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