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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.
       
      • 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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Good morning,

 

My father has asked me if it is possible to reclaim a life insurance policy which he took out with Friends Life, actual policy was with AXA Assurance).

 

When my father took out the policy he was not aware that the policy expired after 12 years (policy was taken out in 2004 and expired in 2016. He thought the policy was for the rest of his life and would pay out enough on his death to cover funeral costs etc.

 

I have asked him if he recalls receiving any documentation confirming this either from them directly or through the post and he does not recall receiving anything advising him an expiry date.

 

I have also personally checked through all of his paperwork and cannot find anything.

 

I am guessing I would need to do a Subject Access Request with the organisation, where would I go from here would I follow the same route as a PPI claim, what do you believe our chances would be of succeeding.

 

Any help/advice at all would be appreciated.

 

Thank you.

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yes you can treat it like ppi

but an sar is a must first 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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Not my subject area.

 

But can you advise the name of the product that was purchased, as someone can then look to see what cover it normally offers.

 

Was it a 12 year policy or did it finish in 2016, because your Father reached a certain age, where the type of policy is not allowed to continue ?

 

Was it a specific funeral plan type policy or was that just a feature of the cover, if you died during the period of the policy period ?

 

I have a feeling that the mention of funerals is just an example of what the policy would pay for, if you died during the policy period. It was not a policy for the rest of someones life with a guarantee of covering funeral costs. A funeral is an inevitable cost that would be incurred and after a certain age the risk increases. The premium being paid is not sufficient to cover paying out for a funeral on every policy as if that was offered, people would keep the policy going for ever, if they could afford premiums.

We could do with some help from you.

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Hi Thank you for your responses.

 

Policy is a decreasing term assurance. As far as i am aware the policy just had a set expiry date.

 

i don't believe funeral is mentioned specifically, but this was obviously my fathers understanding through how they had explained the benefits to him.

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Hi Thank you for your responses.

 

Policy is a decreasing term assurance. As far as i am aware the policy just had a set expiry date.

 

i don't believe funeral is mentioned specifically, but this was obviously my fathers understanding through how they had explained the benefits to him.

 

I might be wrong, but i thought that decreasing term policies were always for certain periods and were related to a gradually reducing mortgage balance, as it was being paid off.

 

Such policies were to cover a certain amount to cover financial liabilities if you died during the term of the policy.

 

I would not send an SAR. Your Father might want to revisit the policy documents he was sent originally to see what they say. If there is any miss selling involved, unless he can point to a letter or advert that was misleading,trying to get hold of conversation records from 12 years ago that evidenced miss selling might be difficult.

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

 

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Hello

 

I have checked through all of my fathers documentation and he has not received any information from them relating to the policy that he is aware of.

 

The only documentation we have is what we have recently requested from them and a copy of the policy booklet which again we have only recently received. I have attached the copy of the plan which we where sent if this helps?

Documents.pdf

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The policy bought was for a specific period as shown on the document linked to. Final renewal date in 2016. It was to cover a sum of £14k in 2004 and this cover would gradually decrease over the 12 year period. It was a life cover to cover liabilities for the amount of the policy, had your Father died between 2004 and 2016.

 

I am presuming given the amount stated that he had a mortgage or loan for about £14k in 2004 and was told he needed life assurance cover. He contacted Friends life explaining purpose of requiring a policy and the deceasing life policy was offered. Normally Insurance companies have to go through an FSA (now FCA) fact find to ascertain whether the policy was best suited to his needs. I find it very unlikely that if your Father phoned them, that they did not do the fact find to make sure the policy was the most appropriate for his needs.

 

By all means send the SAR to Friends life, asking for all documents, particularly those relating to the sale of the policy, but i am not sure you will obtain anything which proves miss selling.

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

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