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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.
       
      • 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!
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Hiya,

 

I took out over a dozen payday loans in 2013 and got myself into considerable debt. I paid them all off with payment plans over the course of a year and was proud to have got myself out of a considerable hole.

 

Today (3 years later) I received a letter from a collection agency saying I owe £400 to a payday loan company. Contacting me 3 yrs after the loan was taken out seemed odd to me and took me by surprise (payday loans was a stress I thought I'd buried long ago) Fortunately I kept a record of what happened to me in 2013 and so I could see it had already been paid off.

 

This is just a note to remind people to keep record of EVERY communication with loan companies, payments, payment plans and also crucially keep a record of a confirmation email from the company when the debt is cleared (if they dont provide one, request it)

 

If you ever find yourself with debts to these short term loan companies and their collection agencies, create a folder in your email called Debt or something, put EVERY one of the communications you have with these companies in that folder. Without that folder I would not have found the email showing I had cleared the debt, bearing in mind this loan was taken out 3 yrs ago!(could not name search as payday loan companies change names, close down, sell off the debt etc... all the time) but by creating that folder I could find an email from 2013 and see the debt was already cleared.

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Aside from that when I contacted their collections department I did not tell them I had an email proving the debt was already cleared in 2013, I simply said that the company had changed hands three times, my debt had been passed around, and perhaps there was a small possibility that there had been a mistake and whether they should look into it first before sending me letters demanding money.

 

He was sure there could not possibly have been a mistake and was eager to sign me up to a weekly or monthly payment plan. I refused and suggested that debt companies don't normally wait 3yrs to chase up an outstanding debt and again I asked did he think there had been a mistake. He was again certain that no mistake could have been made, didn't even offer to look into that possibility for me.

 

Just be aware, have all the facts and keep a record of these companies you've dealt with. This is a debt agency trying to chase up a debt I cleared 3yrs ago. If I didn't have proof that I'd cleared it already he would have signed me up to a payment plan over the phone to pay for something twice without a moment's hesitation. Who knows if they'll try it again in future?

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Can I ask which company was chasing you

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

:D

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