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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?
       
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      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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Hi

 

I am after a bit of advice on whether it is possible to ask for a default to be added to a settled account.

 

I initially took out a txtloan ( now Myjar) Payday loan for £100 on 23/02/2012, this was repaid on 08/03/2012. I then took out another £100 loan on the same day which then went into arrears due to financial difficulty, I had multiple payday loans which were taking up the majority of my wage on payday.

 

I entered a dmp later that year with the lenders receiving their first payment in December 2012. All of the loans are now either settled or satisfied.

 

I am looking to move house next year so have been checking my credit report. I have noticed that the other payday lenders marked my account as default between March 2012 - September 2012. This would mean that they are due to drop off my credit report later this year.

 

The exception is Myjar who never defaulted me, the only thing that shows up on my credit report is arrangement to pay and the account was settled in November 2015.

 

I was wondering if I would have a case to ask myjar to add a default when I was initially 3-6 months in arrears as per ico guidelines. I was 9 months in arrears by the time they received their first payment through my dmp. As it stands the settled account will not drop off my credit file until November 2021.

 

Thank you in advance for your help.

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moved to the PDL forum.

 

you could try but I think it will be very difficult.

 

the otherway is take your situation at the time as a whole

and fire off some irresponsible lending complaints?

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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Ok thankyou,

 

I will try going down the irresponsible lending route but think this will get rejected from Myjar as I only ever took out 2 small loans with them and repaid one of them on time.

 

I am not so interested in receiving any compensation, the main concern for me is that the Myjar loan will stay on my credit file until November 2021 with arrangement to pay showing on it.

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Hi and welcome to CAG

 

Arrangement to Pay markers stay on your file for 6 years from the date the marker was entered so it all depends on the date of the marker.

 

If more than six years have elapsed since the marker was entered, contact the credit reference agency to dispute it.

 

Getting a retrospective default added (then removed) is virtually impossible however if a creditor took ages to place the marker, this can be disputed. Also, where only token amounts were being paid to the creditor then a default should have been placed automatically. Token amounts usually mean £1 a month.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thanks for your response,

 

The amount I was repaying to myjar was around £6 a month.

 

There are no entries on my credit report up until November 2014 as myjar have stated to me via telephone this is the date they started reporting to credit reference agencies.

 

There is a 1 marker from November 14 until July 15. July, August and September then have an 'AR' marker and October has a 'ST' marker.

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In my opinion, MyJar should backdate the Arrangement to Pay marker to when you actually started using the DMP.

 

You could try the informal route to see if they will backdate it and if not, do the more formal route-a Formal Complaint. If they still refuse to assist, you can go to the FOS as this is (again my opinion) unfair treatment by prolonging the debt for longer than six years.

 

Do not ring them unless you can record all calls. Preferably do this in writing so that you have a paper trail. You can try the credit reference agency too and at the very least, you can add a notice of correction to the entry (up to 200 words)

If you do write, get a free proof of postage from the post office.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thank you again,

 

If they were to agree to backdate the 'AR' marker to December 2012 would the whole credit agreement drop off my credit file in December 2018 or would just the AR marker drop off and the rest stay on my file until 6 years after the settlement date?

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AP can potentially stay for 12yrs and will kill that intended mortgage application

the full history is there for 6yrs until it's paid then remains from 6 more as the loan history record.

 

Keeping that PDL entry showing under loans for poss a full 12yrs.

 

The fact that you only had 2 loans with them is immaterial to an IRL claim

It's the credit file being crap when they loaned to you that's decided and any other debt on the file

 

IMHO the only way to remove the AP is to get the debt wiped under IRL

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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Ok I will get the ball rolling with the irresponsible lending complaint, hopefully they will remove it from my credit file as that will be the only negative entry on there as of September this year.

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I must confess to an error. An Arrangement to Pay marked 'satisfied' can indeed stay on your file for a further 6 years. My humble apologies for my error.

 

I still think it's unfair as £6 a month (in my opinion) would qualify as a 'token amount' requiring an immediate default. Myjar obviously take a different route and screw you for longer

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thank you all for your help and advice,

I have sent an email asking Myjar to add a default dated September 2012 and reminded them of ico guidelines. I am not holding my breath but it's worth a try.

 

If and when they refuse I will make a formal complaint regarding irresponsible lending.

 

I will keep you updated.

 

Cheers

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