Jump to content
  • Tweets

  • Posts

    • They've actually been behaving themselves for me, recently.  I'm re-signed with them on a variable tariff, meaning not tied in and can leave any time if they get up to their old tricks.  However something I noticed was that when accepting the tariff they actually showed in advance how they expected that annual total to be split into the 12 months.
    • Hi BankFodder, I will keep an eye out 🙂. . .
    • If you don't understand what you're saying then don't say it.   Yes recorded post is a good idea
    • Hi All   really need some help and advice.   i have a PayPal credit facility with a balance of £400. I owe £270 due this month. I am going to phone them and pay this and clear it as it’s a credit contract and I know they can enforce it.   however alongside that I have a negative PayPal balance of £5000 this is not through the PayPal credit. It shouldn’t have happened and I don’t plan to pay that, at least not now.   if I phone PayPal and pay the credit facility with my debit card will that be ok? Or will they use those details to try and get the money back for the 5k negative balance?   thanks for any help. Whilst I appreciate PayPal credit and the negative balance are separate with them being on 1 page on 1 account I wasn’t sure. 
    • Next says future lockdowns of non-essential stores would cost it millions of pounds before Christmas. View the full article
  • 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

Please note that this topic has not had any new posts for the last 1260 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

hi folks,

need some advice on this one,



recently i have returned from spain,

while out there i don't know if i lost my wallet or if someone pickpocket it,

was a strange moment when someone bumped into

and my friend asking what was all that about.


i have hired a car from the same company for the last 8 years

2 to 3 times a year,

always taking out the full insurance,

and have never had a problem before dealing with them.


while car was parked someone hit it causing cosmetic damage to the bumper,

left his details,

but he was still there when i arrived.


As i had the full insurance

did not have much to worry about

and i also had his details,



returned on the 5th

checked my account on the 9th

to find this company has taken £500 out of it, with no explanations at all,

or if someone has hired a car with my found wallet and cards,



cards were cancelled,



the only way to contact record car hire is by email w

hich could take unto 30 days for a reply if i am lucky,



as now reading the reviews it seems to be a common thing for this company to do to people,


my other problem now though is my bank will not put this into despute

even though i have explained everything to them,



how it could take unto 30 days to reply,

no contact number,

only email contact,

how my cards were lost,

how i had full insurance,


the reviews this company are now getting,

and now they have put my account into arrears,

returned direct debits,

so will be facing more charges from bank

and those with the D/D,



but the bank says as i have dealings with this company

i will have to wait for their response to my email,


bearing in mind this can take 30 days,

and if they reply back,



explaining they should not have done this,

as i had the full insurance,

nothing in the terms of what it could be,

i.e. if it was a traffic violation etc t

hen those authorities would be in touch with me

and not the hire company to take monies,


i have had nothing from them as to why they have taken this money,

and my bank not offering to help,

other than giving me an increased overdraft until i hear from the hire company,



anyone able to advice on this i would be greatly appreciate it thanks

Edited by dx100uk
Link to post
Share on other sites

What do the terms of the hire agreement state ? If there was a £500 excess for accident damage which would be charged and reclaimable later via Insurance, then it should state this. Normally the excess would be against a credit card and not a debit card, so this is a bit strange.


You will need to read your documents and post back. You can take out full Insurance and there could still be a £500 excess. It might be that they did not reduce the excess to nil.


If you have proof of a nil excess and the £500 should not have been charged, go into your Bank with the details and ask them to treat the debit as unathorised.

We could do with some help from you.



 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

Link to post
Share on other sites

their was no excess fees, or anything extra to pay, as i took out the extra cover insurance which protects me from it, i did however get refunded the full amount yesterday, but now i have a few £25 charges from unpaid d/d can they charge this amount? its even double the amount of the d/d itself grrrrr

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

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...