Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
        • Thanks
      • 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!
        • Thanks
        • Like

Citizen Advice: Rent to own survey - do this! tell them how useless RTO companies are!


Please note that this topic has not had any new posts for the last 1499 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Citizen Advice are asking customers of rent-to-own companies to complete a short survey about your experiences of shopping at BrightHouse, Perfect Home or Buy as You View.

 

Your responses will be used to produce a report about consumer experiences in the rent-to-own market.

 

This report will be used to see whether more can be done to protect consumers such as yourself.

 

https://docs.google.com/a/citizensadvice.org.uk/forms/d/1-exGdFfQaO9CiwOKicwroUQvh5bg0J2F1fCZHJBsL5Q/viewform?edit_requested=true

Link to post
Share on other sites
  • 2 weeks later...

My son moved back home so my wife phoned Dial-A-TV to purchase a TV on a rent-to-own basis. Dial-a-TV were asked by her "will I own the TV after the installments?..Answer "Yes, after 18 months." "How much will the TV cost per month?" Answer " £30.48" So to confirm the "TV will cost £30.48 for 18 months as a rental then after the 18 months I will own the TV" and they said "Yes". The agreement came in the form of the Consumer Credit Act 1974. She signed it and returned it. I only saw it when the problems started!

 

She was telephoned by Dial-A-TV to see if she wanted an upgrade to which she said "NO, and when is the last payment?" and the reply was "August (2016). " 18 payments. This flagged up something to me so I asked her to cancel the final payment on direct debit and that I would pay the final payment by cheque and written in it "FULL AND FINAL SETTLEMENT FOR GOODS RECEIVED) which I scanned and filed. It was only after the DD was cancelled that Dial-a-TV wrote to say the direct debit had been cancelled and that there were another 39 payments of £35 to be paid for rental.

 

I phoned Dial-a-TV and was met by a tirade of abuse so I hung up and re-dialed and got put through to a manager. Unfortunately a firm like this prey on those who have to use firms like this and don't know their rights! I had said to their manager that their operative had called about a TV upgrade and the question had been asked about final payment. The manager said " the operative would say (in this case August) but that was the minimum term was 18 months so there were 39 further payments owing"

 

Lets look at this: if the question was asked "when is the final payment?" and the answer was "August" then a reasonable person would believe it to be "August) So the Law of Contract is based around what a reasonable interpretation is so anything else meant but not said is NON-DISCLOSURE. On the agreement there was no mention of "39 months payments @ £35" NON-DISCLOSURE. The agreement did not say anything of the further 39 payments or the total amount payable. This suggests it is regulated by the Consumer Credit Act 1974 s79 (a rolling contract like credit cards) until you read the total amount of payments are 999 months. But no, having a total amount of periodic payments @ £30.48 shows it comes under s78 in which case those 999 payments should be calculated to a format showing 999 payments of £35? or £30.48?, the total payable under the agreement and the interest charged. Incidentally if all the payments were made the TV would cost £31000+!

 

The agreement fails to be enforceable under the Consumer credit Act 1974 because the information is not on the agreement as required (S60 Prescribed terms) If Dial-a-TV try to enforce the agreement under s64, and goes to Court, s127 precludes a court from enforcing the agreement. So where does the cheque come in with the words FULL AND FINAL SETTLEMENT FOR GOOD RECEIVED? The payee, Dial-a-TV has about 7 days from cashing the cheque (unclear in law as to the time) to state they accept the payment but refute the cheque being FULL AND FINAL SETTLEMENT. They have to object to the statement on the cheque quickly or they have tacitly accepted it as FINAL. obviously if Dial-a-TV try to pursue the payment or return of the TV by specialist debt collector then there is always the CCA 1974 s70 (misrepresentation) which states where there is misrepresentation then all payments shall be refunded and the goods (TV) returned. See what happens next. On their next contact they will have the full, legal and lawful response!

Link to post
Share on other sites
Citizen Advice are asking customers of rent-to-own companies to complete a short survey about your experiences of shopping at BrightHouse, Perfect Home or Buy as You View.

 

Your responses will be used to produce a report about consumer experiences in the rent-to-own market.

 

This report will be used to see whether more can be done to protect consumers such as yourself.

 

https://docs.google.com/a/citizensadvice.org.uk/forms/d/1-exGdFfQaO9CiwOKicwroUQvh5bg0J2F1fCZHJBsL5Q/viewform?edit_requested=true

 

Painless enough, hopefully see these parasites closed down!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

About time these charlatans were attacked by the authorities and media.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...