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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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Hi Valencia,

 

What DX says is bang-on.

 

We've been dealing with Harlands/CRS for more years than I care to remember - they are full of hot air and do NOT take the action they threaten.

 

There was a High Court case back in 2011 which put a stop to gym cases resulting in anything nasty.

 

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Been informed that we received a letter back home, only for it to be from CRS and not X4L. I'll type up the contents on here:

 

(Balance now 187.49)

 

Dear.....

 

Following our initial letter, we are disappointed that your account with X4L is still in arrears and our fee has not been paid.

We would still like to reach an amicable solution to this. However, if you fail to respond to this letter, we will have no option but to commence further action to recover the monies owed. The options available to us are:

 

1. LEGAL ACTION

We believe that you are in breach of a legally binding contract with X4L because you have not paid your membership and our fees. We pay pursue a claim under this contract through the Courts. If we do so the following process would apply:

 

. We will write a formal letter explaining what we are demanding and give you a final opportunity to pay/reply.

. If this failed to settle the matter we would issue proceedings against you in the County Court

. You could then either A. Make Payment, ending the legal process or B. Dispute some, or all, of the amount owed.

. If you dispute the amount owed the Court process will continue, at the end of which the Court would make a decision on our claim.

. A strict Court imposed timescale will apply in relation to the Court process.

 

Were we to be successful in our claim, or if you ignore the claim, a County Court Judgement (CCJ) may be registered against you requiring to make payment. You may also be liable for our costs of pursuing legal action and interest on the amount owed.

 

If you then fail to pay the amount covered by the CCJ we would take the next steps required to enforce the judgement. To do this we would have to make an application to Court.

 

2. OUTSOURCE TO EXTERNAL AGENTS

 

Your account would be passed to another Collection Agency who will take further action to recover the monies owed.

 

You can avoid this happening if within the next 10 days you contact us blah blah.

 

Yours sincerely,

 

Nuria Manson

 

 

 

 

What do you make of this guys?

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ignore

 

 

dx

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 Valencia.

 

Please take the time to read other threads here so you find the answers you need.

 

So many other threads tell you clearly what you need to do - IGNORE their silly threats !

 

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

 

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so you've not been reading other threads?

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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Yeah I have been reading other threads, and in some circumstances I see that people receive a reply from the Head Office. I was just wondering whether it would be necessary to soon send another.

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why do you think you need to repeat yourself and enter into pointless letter tennis?

 

 

what troubling you that makes you think that?

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 Valencia,

 

As per my post #29, ignore the letter/demand and you've no need to reply to anyone.

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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No trouble at all! I just remember on occasions that the reply from X4L to other members actually ended their pursuit for the money. But as you have both advised, I will not send a letter to X4L, we'll see how it pans out

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