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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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Barclaycard PPI and linked cards ??


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Hi Pank

 

One letter would have done - either to Barclays HQ at Canary Wharf, or BC in Nothants.

 

Anyway, you have done belt and braces, and a little bit more !

 

Keep us posted ............

 

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  • 3 weeks later...
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Hello Again,

 

I have had a letter from Barclays bank saying they do not feel that they have mis sold PPI, they called me and we discussed it back in 2014. Which is absolutely BS. The SAER request was not addressed and I have now been waiting since August. The ICO have written to the twice to no avail.

I am unable to check any of this information as my SAR has not been fulfilled. I get the feeling they have no idea where all my information and files are, and can therefore not send me anything!

I am determined to get my information so I will now take this to court.

 

Please tell me what I should do next.

 

Many Thanks

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Hi Pank,

 

To my mind you have 2 best options :-

 

1. A polite but strong letter to ICO saying Barclays have still failed to comply with your SAR and you think the ICO should force the bank to respond now as required.

 

2. Court action in the County Court (Small Claim) seeking 1. Damages for the bank's failure to comply with their lawful obligation and 2. An order for them to comply with the SAR within the time specified by the court.

 

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Hello Again,

 

I have written to the ICO twice and they have written to Barclaycard twice so I don't think I need to do that again.

 

I need to know what to but on the claims form who to address it to etc. Also how much should I claim for?

 

Many Thanks

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We could do with some help from you

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Hi Pank,

 

Can you please hold back a while.

 

The case is old and I'd like to get more current input about the POC's and the amount to claim.

 

I'll be back .............

 

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Hi Pank and sorry for the delay.

 

We (Site Team) have been looking at your case and are looking to find you the best options to move on from here. We're looking at possible direct court action using the DPA and also COBS and you would be given advice and support in putting the claim together.

 

1. Do you have a letter or an email from the ICO which says that BC have probably breached their DPA obligations ?

 

2. We may need a bullet point list of relevant events giving date of contact from you to BC; and from BC to you; and from you to ICO and their replies. Can you work on this over the next day or two so it's ready if needed. All is needed is date and description, eg

 

13/2/17 - SAR ltr to BC with £10

15/3/17 - Ltr ex BC saying SAR acknowledged and reply should follow within 30 days

 

Just brief info - we can always ask for more detail if needed.

 

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Hello,

 

The first email says they have contacted BC and I should have a response within 10 days. That did not happen

the second email says they have contacted BC again and again they should give me a response with in 10 days. That did not happen.

The third email, when I told the ICO for the third time the ICO said;

 

I am sorry to hear that you have not received Barclaycard's response to your subject access request (SAR).

I have contacted Barclaycard and have received a response.

Barclaycard advise that their courier had made several attempts to delivery the package, however, the courier did not leave the calling card as required.

Barclaycard have reissued the package yesterday. Their courier will leave a calling card if you are not home when they attempt to deliver. They are sending the package to [address removed].

If you have any queries concerning your case, please contact me on the number below.

 

Again, I do not believe that for a second and the package has not been received.

 

Do you want me to start on the timeline now?

 

Many Thanks

Edited by honeybee13
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Hi Pank and I'll pass on this info for consideration.

 

When was the last msg from the ICO and on what date are BC supposed to have sent the package this latest time.

 

Yes, get the chronological summary done asap. Just 1 line per entry should suffice. Maybe 2 if necessary.

 

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  • 2 weeks later...

29 th Sept 2014 - Filled out an online PPI Questionnaire on The Barclay card website

 

No Response

 

 

18 July 2017 I resend the PPI request

 

21st July - I receive a letter stating they responded to my PPI request 13 Nov. 2014 Letter in my maiden name.. I never received that letter.

 

01 August 2017 – I sent a letter to the Customer Relations Department stating I never received any letters and asking various Questions.

 

02 August 2017 I send an SAR to the Customer relations Department Special Delivery enclosing a £10 Postal Order.

 

 

09 August 2017 I receive a letter from the Customer Relations Department referring to my letter of the 1st August. Regurgitating the fact that they responded in 2014, enclosing copies of those old letters again. No mention of the SAR.

 

04 October 2017. I send a Letter before action to the Company Secretary at Canary Wharf, Failure to Comply with SAR request of 2 Aug 2017.

 

02 November 2017 – Receive a letter from the Customer Services Department, They are sorry I am dissatisfied with the claimed miss selling of PPI but they responded to my request back in November 2014. Enclose copies of the old letters, again.

 

02 November contact the ICO send all the paperwork,

 

03 November, ICO confirm by letter paperwork has been received.

 

15 Dec – ICO, they advice that they have spoken to Barclays; I should receive a response within 10 days.

 

28 December – Receive a letter from Barclays in response to me contacting the ICO. They do not agree they have not met their obligations but will waiver the normal £10 fee.

 

03rd January, receive another letter from the Customer relations department, Not sure what they are writing response too. They state, “ I have as requested enclosed copies of letters dates 9th Aug and 2 Nov 2017 and how you can make a formal request”??

 

 

29th January; I send a letter to the Barclay card Executive office and the Company Secretary by SD .

Header is “miss selling of PPI and failure to provide SAR. Stating I have been advised to write a last letter before court action. – To Date no reply

 

21 February – Contact the ICO to advice I have not had any information from Barclaycard.

 

 

23rd February- Receive email from the ICO; I am sorry to hear that you have not received Barclaycard's response to your subject access request (SAR).

 

I have contacted Barclaycard and have received a response.

 

Barclaycard advise that their courier had made several attempts to delivery the package, however, the courier did not leave the calling card as required.

 

Barclaycard have reissued the package yesterday. Their courier will leave a calling card if you are not home when they attempt to deliver. They are sending the package to

 

07 March – To date I have not had a parcel or a calling card.

 

Pheww... That took awhile, Thank you for your help

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Hi Pank and thanks for this info.

 

It'll be considered and we'll come back ASAP.

 

:-)

We could do with some help from you

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                                            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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