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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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IB to ESA Refund & OCCUPATIONAL PENSION


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Hi.....

 

Towards the end of last year I was sent an ESA3 by the DWP with a letter explaining that I might be owed money from when I was transitioned from IB to ESA....they stated the dates from 2013.

 

At the time I didn't respond because I thought I was exempt because of an occupational pension but the DWP telephoned me in the New Year - the lady said I should still apply as it wasn't necessarily the case that my pension would make me exempt. I filled out the form and sent it back. In the meantime, I read up on other cases and believe that my pension should not be counted as I was in receipt of it prior to conversion so it was disregarded. I receive some HB and on this form each year they state that I receive Enhanced Disability Premium - I do not and never have done to my knowledge.

 

18 weeks after submitting the ESa3 form I finally get a letter from the DWP telling me I am not entitled to the back dated monies - when I looked through the paperwork they sent I found that they have included my occupational pension as income that should be taken away from anything I am entitled to even though it should be disregarded and has always been disregarded.

 

I then received a second letter which says I would have been entitled to a transitional addition since being moved from IB on the grounds of disability and they will credit my NI contributions - totally confused! 

 

It it says that I can apply for Mandatory Reconsideration - I am just outside the time frame for this but have been receiving treatment for cancer so I think I have extenuating circumstances.

 

Would very much appreciate any advice on what to write please.

 

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  • dx100uk changed the title to IB to ESA Refund & OCCUPATIONAL PENSION

Income related ESA is treated differently to contributions ESA, as all income is considered, that is what they are were looking at. 

 

Edited by anmarj
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Thanks anmarj but I am not on IR(ESA) and never have been  - I am on contribution based and as far as I am aware, any occupational pension you were on at conversion is disregarded so it should not have been included.

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That was why you were sent the Ea3 to see if you were missing out in the IR entitlement! As people who were converted to EsA were never considered for the IR elements when converted and possibly missed out on extra premiums that they could have potentially been entitled to. 

 

https://www.turn2us.org.uk/About-Us/News/Has-your-ESA-been-underpaid

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17 hours ago, anmarj said:

That was why you were sent the Ea3 to see if you were missing out in the IR entitlement! As people who were converted to EsA were never considered for the IR elements when converted and possibly missed out on extra premiums that they could have potentially been entitled to. 

 

https://www.turn2us.org.uk/About-Us/News/Has-your-ESA-been-underpaid

 

Yes, I am already aware of that anmarj! 

20 hours ago, lenny100 said:

the problem is we dont know the rules as they are always changing them or keeping them secret.

 

 

 

Not helpful lenny100!

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