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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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Victim of fraud but I'm left paying the price! CIFAS marker Please help


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End of last year I invested £1,000 into a Binary Trading Account.

Over time my profits built up on my online account

after a few months I requested a withdrawal of $2,000.

 

 

A few weeks had gone by and I hadn't received my withdrawals and neither had the others who invested money.

We were getting excuses from the trader that the IRS (USA inland revenue) are saying we should be paying tax,

we all agreed to pay tax but still no withdrawal.

 

 

All of a sudden a few more weeks later I had a message on Facebook from the trader asking if I can confirm I have £10,050 in my bank account, I checked and it was there.

 

 

I asked him what it was for and he said sorry that amount was put in your account by mistake it was only meant to be £1100 which was my withdrawal.

 

 

he told me keep my £1100 and forward the rest on to the UK finance Director for the other investors.

I done this and didn't think anything of it.

 

 

A couple of weeks after I had a letter from my bank saying the money is being recalled

I spoke to the Binary trader to ask him why,

he said it wasn't his company doing it, but he'll look into it.

 

 

Didn't get anything back from him.

At the same time I spoke to my bank and said this money was mine from my binary trading account transferred from USA, they replied that this money came from the UK.

 

 

When I went back to the trader and questioned him about it

he said tell your bank the he (trader) will pay the money back, as he didn't want me getting involved in all of this.

I questioned him about what was going on and didn't get a straight answer

 

 

I immediately attended the local police station who directed me to action fraud,

reported it to my bank that I believe this man is a fraudster and can they investigate it, I didn't get anywhere!

I phoned on a number of occasions and they kept replying with the same "why do you believe this is fraud".

 

 

A few weeks later I had a letter from Fraud action line saying there wasn't enough evidence but they may open case again if more evidence comes to light, which I was gutted about!

I wasn't getting anywhere!

 

All of a sudden 3 months after trying to get my bank to investigate this fraud

they decide to block my account while I was stranded 27 miles away from home in a petrol station unable to pay.

The investigation goes on for a while

I then get a letter saying my bank is closing my account,

I wasn't too fussed as I had a guts full of them when I went to them for help!

Went to my new bank account, carried on with my life

 

 

I get a letter my new bank are closing my account!

My old bank have placed a CIFAS marker against me despite sending them ALL evidence from contract of binary trading,

conversations from the trader making me believe it was all genuine binary trading, but they have labelled me as a fraudster while the real fraudster is getting away with it!

 

What can I do next?!

 

 

I need to get this CIFAS marker removed it's ruining my life!

 

 

I just don't know what to do. Someone please help

 

Thank you x

 

* what I can gather from what imformation I have found out is that someone was purchasing something from a company (value of £10,050) and somehow the fraudster hacked this persons account and sent it to mine and made me believe it was my trading profits.

Edited by Wales87
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I'm left looking like the criminal. I'm fuming! Innocent people become a victim of fraud then they are accused of being the fraudster because no one can track the real fraudster

 

There's 20 of us who invested money in this, surely there's enough there to go after him or her whoever the fraudster is

Edited by Wales87
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Who is the bank?

 

What further action, if any, did the Police take?

 

Have you had a final response from AF?

 

Have you had a final response from your local Plod?

 

Have you informed your local MP about this?

 

Have you got all the evidence regarding payments/transactions/correspondence/emails/telephone conversations/ receipts?

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!

 

 

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Who is the bank?

 

What further action, if any, did the Police take?

 

Have you had a final response from AF?

 

Have you had a final response from your local Plod?

 

Have you informed your local MP about this?

 

Have you got all the evidence regarding payments/transactions/correspondence/emails/telephone conversations/ receipts?

 

Police just directed me to Fraud action line, they sent me a letter saying they didn't have enough evidence to continue with my case. I have just sent a formal complaint to B*****ys bank awaiting a response! I don't have any idea how I would go about talking to an MP or what they'd be able to do. I was even thinking of going to BBC watchdog for help??

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Get a crime ref number from PC Plod.

 

Exhaust Sharklays bank complaints procedure..

 

https://www.theyworkforyou.com/mps/ try that link for complaining to your MP

 

BBC Watchdog

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!

 

 

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Get a crime ref number from PC Plod.

 

Exhaust Sharklays bank complaints procedure..

 

https://www.theyworkforyou.com/mps/ try that link for complaining to your MP

 

BBC Watchdog

 

Brilliant! Thank you!

Only thing, how do I get a crime ref number from police if they don't listen to me and just send to action Fraud? Or Is the ref number I have from the good enough?

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Emaill the SEC and check to see if he's registered? If his company is a known boiler room?

 

I did check there before, I couldn't see anything , I thought maybe because his company was made up and he's a crook he wouldn't be on there, isn't that just for real companies? Or for scams too?

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American securities should be bought in ADR (American Deposit Reciepts) for non us investors for tax purposes.

 

How did you come across this crowd?

 

NEVER,, EVER touch an investment company unless it is registered on the countries Securities Exchange. Always check both brokers and company's registration before giving them a cent.

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American securities should be bought in ADR (American Deposit Reciepts) for non us investors for tax purposes.

 

How did you come across this crowd?

 

A friend of mine had invested about 6 months before me so i got made aware of it from my friend!

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American securities should be bought in ADR (American Deposit Reciepts) for non us investors for tax purposes.

 

How did you come across this crowd?

 

NEVER,, EVER touch an investment company unless it is registered on the countries Securities Exchange.

 

Thanks for the advice. I'm never imnvesting in anything again though

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Ah Wales, im sure there is something that can be done, the trouble is its America. I will call a friend tomorrow and see what he recommends and get back.

 

Thank you so much, you've all been very helpful :-)

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He would have to explain it's appearance from nowhere and demonstrate it to the Tax man.

 

Does the taxman check every transaction that happens in UK?

I used to run a business and move very large amount of money back and forth from abroad and within UK.

Nobody ever questioned any transaction in business or personal account

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I would have thought his concern is not the British tax system and only the American, a single transaction of £10k would be of interest to most?, the [problem] here is as I understand

USA pays £10k asks for reduced amount back from UK and then demands refund of original amount.

I would imagine you were a law abiding, tax paying individual whose activities were not off interest to the Fraud office, King.

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Brilliant! Thank you!

Only thing, how do I get a crime ref number from police if they don't listen to me and just send to action Fraud? Or Is the ref number I have from the good enough?

that's the number yes

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 would have thought his concern is not the British tax system and only the American, a single transaction of £10k would be of interest to most?, the **** here is as I understand

USA pays £10k asks for reduced amount back from UK and then demands refund of original amount.

I would imagine you were a law abiding, tax paying individual whose activities were not off interest to the Fraud office, King.

 

Yes, I had everything invoiced.

If you find a way to deal with Tesco and co cash in hand, let me know 😊

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Contact the SFO (Serious Fraud Office) tomorrow, they willl/should be helpful.

 

I'm just really scared that this is going to ruin my life! I'm going to try what you all have suggested but if no luck with that I don't know what I'm going to do :-(

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Also does anyone know if this will effect my family? All this started while I lived In my own place, Iv since moved home then the CIFAS marker was placed against me, I hope to god it doesn't effect my parents too :-(

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