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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.
       
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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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Idrww - Left UAE 2013 with a loan-Claim Form Received


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2 minutes ago, womble666 said:

How is it a waste of money if people are losing against these cwd people? 

Because if you debt is more than £5k spending that on a Solicitor will be better value.

 

unfortunately Womble the team here have no clue in these cases. 

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there are a couple of CWD/IDRWW SD threads running here.   as with all such threads , I would take anything you read with a word of caution, just remember we don't know who these people are.  

There is not one solicitor, judge, charity, individual that know about debt in Dubai being collected in the UK.   You should not pay anyone it’s pointless mate trust me and listen to the guy

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It’s £1000 approx for a barrister - if you can get one to do it as there aren’t many experts out there 

 

if I had spare cash I’d pay. I don’t so I’ll try myself as I dont have much choice really.

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people are not losing against these people..

 

stop jumping to conclusions...

 

the issue is,

as has been explained here several times,

is simply that they have [to our knowledge on CAG]

3 cases, that could ALL be down to whom the judges knows, plays golf with or drinks with, that they are prepared to hear in their court concerning UAE debts.

 

they have made NO comment, nor can they, upon the way the cases will actually pan out when a proper defence is filed.

we have 3 defences filed

none of which are here

because one person appeared on CAG shouting the odds the that nothing should be in the open.

 

now that person has done what they wanted to do and that driven away the one person that could help.

because people have become SO blinded.

 

sadly that's the tactics these money powerful UAE people employ.

 

get everything in the open

then people that aren't members but help behind the scenes can see it

and help quash them dead

as it is ...there is nothing to go on.

 

 

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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  • 4 months later...

Wow

 

i lost my case with actual paid legal advice (not from here)

 

i now pay monthly

 

i will not post mine as it a too personal and makes me identifiable 

 

insill help as as much as possible but people need to know the debts are enforceable 

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Of course you can post what you like, whatever you post is seen. And in the costs it was added monitoring CAG (I’ll attach this in the morning)

 

why would you give them the heads up of what’s going on? 

 

Chipz? Where was your advice at the time?

 

 

people do their own thing, I follow and if I can input I will. If I can’t then I cant

 

seems to me if you put anything admin don’t agree with or others don’t like then you get “banned”. 

 

Id love to be a pasty / whatever it’s called then I’d not be pay £100s per month for a debt  that that was insured and paid off already 

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SP

they get your defence <24hrs after you file it directly to mcol they send it via DX 

a few days earlier is not going to hurt you.

 

sadly its always been the way here on cases when people hide things that they lose

 

as andy pointed out elsewhere

these cases were not the norm for here so even more reason to open up.

 

you got external help SP. it didn't workout that doesn't mean you are a patsy case...…..

 

we are not expecting you to publish things.

as you say its personal.

 

well more probably linked to who plays golf with who me thinks

sadly as you know

UAE = money=power

 

thanks

 

 

 

 

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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53 minutes ago, Ewloe2019 said:

I may be new on here which i think is an advantage when it comes to understanding scaremongering.

 

Regrading cases - my interest would in the outcomes of UAE debt being successfully enforced by a claimant in the UK - however, going back to my original point - there is no objective information on here to demonstrate this as all goes silent. 

I lost with paid legal advice 

judge was fine said morally it was wrong but legally it was “tough” 

 

my costs increase 50% due to their costs, including them monitoring this site.  I’ll add the details in the morning when I have more time

 

their barrister was “sympathetic” 

 

 

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Now see if I was in your position I would be posting to tell everyone which company I used to represent me and letting everyone know to avoid them....

 

i would also also be keeping to my own thread and not trying to convince everyone that your case is the norm when the evidence shows you are in the .01% of cases....

 

As for the 50% - Moriarty just informed me it would be an extra 700 quid if it  goes to court - that’s not even 10% - not like these things are drawn out cases....

 

Apologies to the OP,  your post, has been royally hijacked and I hate to keep adding to this derailment but it’s hard not too 🤓

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£700!!

 

Moriarty never attend cases

 

Dx

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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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Great Business model from Moriaty / UAE Bank.  Send out 500 PAP letter, with a first class stamp, 50 people get scared and pay up, 200 can't or won't reply, receiving a default judgment, without Moriarty even having to go to the expense of sending anyone to represent them in court. Which is why they never turn up if anyone shows the slightest inkling of being able to defend them selves.

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11 hours ago, SquaddyP said:

Of course you can post what you like, whatever you post is seen. And in the costs it was added monitoring CAG (I’ll attach this in the morning)

 

why would you give them the heads up of what’s going on? 

 

Chipz? Where was your advice at the time?

 

 

people do their own thing, I follow and if I can input I will. If I can’t then I cant

 

seems to me if you put anything admin don’t agree with or others don’t like then you get “banned”. 

 

Id love to be a pasty / whatever it’s called then I’d not be pay £100s per month for a debt  that that was insured and paid off already 

 

Awaiting your uploads in eiger anticipation Squaddy...can we see the Judgment where it instructs you to pay  £100s per month ...fully redacted of course.

 

Andy

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Really ?  I will have to be patient then until you can sort it out. :wink:

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1 hour ago, rgaine said:

Really looking forward to seeing that

 

 

Likewise! Absolutely everything I have ever found online about these things results in the same, people saying X/Y/Z has happened to them, then vanishing when asked to prove it.

 

Call me cynical but I see why it is often though these people have some form of ulterior motive...

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documents of case

 

docs 2.pdf

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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Actually cannot believe this got passed in a court of law when they don’t even owe the debt !

 

Talk about double standards or what.

 

No chance I would accept that sorry and would certainly go to the next step 

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So it was a Summary Judgment application and your claim never actually got to trial...I assume you did oppose their application and submit a statement of objection ?

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 The National Consumer Service

 

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N245 time?

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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Yes I turned up. Yes I opposed / defended / responded to everything

 

i was stood giving evidence on oath of my financial situation 

 

Legal advice was £350 for 60 min chat to a solicitor  from Lincolnshire- I can dm the details to anyone - who said it could go either way

 

if you sign a contract and the terms and conditions state county of domicile for jurisdiction then it can go to court.  Mitigation circumstances are not always taken into consideration-Law only 

 

it depends on your T&C 

 

 

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I dont doubt you did turn up but without seeing your initial defence.....the claimants application for summary judgment statement and evidence....its really irrelevant to CAG as we were not involved as you and a other went off piste and did your own thing.

 

So you are now appealing the claimants costs for the Summary Judgment application ?

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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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Because people are scared and this is monitored 

 

sometimes people come across as aggressive and unhelpful 

 

And I’d had some legal advice and followed that, couldn’t afford representation in court 

 

I lost I’m paying I know other are much worse off than me

 

 

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