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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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MCE/mortimer CCJ for sainsbury loan- now 9yrs old - trying to Enforce it?


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  • 3 weeks later...

Yet another letter arrived today, this time from Engage (part of Marston)

 

I will as always ignore this one too, although I do like the referrence to a CCJ having been obtained.

Yes, it was 11 years ago.

 

But before I go I'd like to run something past the wise and sage on CAG.

 

It's now 11 years this month since they got the CCJ.

They did nothing with it in terms of enforcement, I suspect because they mistakenly thought they had a charging order.

 

Now they could go back to the court and ask for permission to enforce the CCJ but would have to explain both why they took no enforcement action within the 6 year limit, and then left it another 5 years before coming back to the court for permission to enforce.

 

I'm not one to say 'never' but in my assessment they dont have much chance of convincing a court to excuse their oversight/incompetence and grant permission to enforce.

 

However, I'm a little stubborn and would like to see them write-off the amount.

Would it serve any purpose to engage a solicitor to put pressure on them to capitulate and write this off?

 

If so can anyone suggest a solicitor who would be willing to take this on.

Past experience is that most solicitors dont understand exactly whats going on here, either with the time since the CCJ or the restriction K.

 

Or should I just put up with them adding to my ever growing pile of polite but meaningless letters.

 

engage.pdf

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:sleep:  Put it with the others and ignore.

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

 

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scan everything

shred everything

give it all to the hamster foundation.

 

 

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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  • 1 year later...

open

 

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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Hi, and thanks dx100uk for opening the thread

 

Well another year passed and another letter has arrived.

 

Just to recap the CCG is now 12 years old and for the first 6+ years I heard not a peep from these guys. Then in 2017 they suddenly popped up having realised they might have missed the boat.

 

I have diligently refused to discuss this with them despite various threats.

 

The latest arrived today and takes the form of a threat to seek an attachment of earnings order.

 

So I think I know what the answer you guys will give, but I'd just like to make sure on that.

 

IMAG0955.thumb.jpg.bbdaeb4a03bae9f63a083cbc57f44aad.jpg

Edited by Ho Chi Min
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Keep ignoring. Absolutely nothing they can do. They know theyre out of time, but hope you dont.  So for the price of a letter they hope theyll get thousands out of it.  

Just remember as well, its a form letter. Auto generated. The only parts different to everyone elses are the dates name and address.

 

Edited by renegadeimp
  • Like 1

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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Just rest easy knowing that they can never do anything. If they are stupid enough to go back to court ( they wont), you can just ask a judge to ask them...  theyve had 12 years to chase it.  Why now?

it is extremely rare enforcement orders are given on CCJ's over 6 years old.   And youre talking like 1 in a million . Or more.

 

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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pdf next time please!

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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