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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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Hello,

 

I got a copy of my credit report from Noddle, and say a default for a company called MyJar. I had no idea who they were, and the address registered I moved away from 2 years ago, so I was a bit confused.

 

I wrote to the managing director, and he said that a colleague would be in touch.

 

No one was in touch, so yesterday, I emailed back to ask that as they had not provided the information, could they remove the information from my credit file.

 

Naturally, I got a reply within the hour. Oh they emailed on 30th December, have I checked my junk file?

 

Anyway, the email reads as follows;

 

Thank you for your e-mails.

 

Please note that we sent you an e-mail on 30 December 2015 to advise you of the account and it’s status. In case you have not received it, it may be in your “Junk” inbox.

 

Your loan was formerly with TxtLoan Limited but was transferred to MYJAR Limited on 28/02/2015. The loan was originally for £100 requested by you on 18/03/2011.

 

 

Your loan reference number: 18###

Your current outstanding balance: £200

 

I have attached to this e-mail a breakdown of the balance and your electronically signed credit agreement.

 

The previous balance was £247, which was also used to register the default. However, recently we have removed the debt collection fee as our debt collection partners were unable to come to an agreement with you for the outstanding debt and the outstanding balance is currently at £200.

 

Please let us know if wish to repay the loan as a single instalment or if you would prefer a repayment plan with monthly or weekly payments you deem affordable.

 

Additionally, you can always get free independent help from a number of sources such as:

 

...

 

I look forward to hearing from you.

 

Best regards,

 

Now, it is possible that I did get a loan from TxtLoan at the time, I honestly don't remember. I know for sure I haven't heard anything from them or MyJar over the past 4 years. The agreement sent over by email is with MyJar (a company I had never heard of until I checked my credit report), is not 'signed' and is dated 18/03/2011.

 

Is it possible to have an agreement with a company that didn't exist at the time that the agreement was supposedly 'signed'? As I say, the agreement doesn't have my name at the bottom part, where it should be signed...

 

I'm basically just really confused about who these people are that have registered a default on my credit file, and are now after £200!

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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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Ok, so what I can gather, they're wrong in putting a default on the account in May 2015, when the actual date of default would have been much much earlier than that?

 

And they should have sent a default notice?

 

I'm not sure where to go with this now though.

 

I had looked through a number of threads before posting...

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