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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.
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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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drake - AUS debt being chased in the UK

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I stalled Credit Corp for over a year on a debt they bought from wespac, now it is statute barred, and I am over the moon.


a few points


They can not apply for bankruptcy if you are not in Australia

The Australian Attorney General's website warns companies thinking of persuing Australian debts (with Australian judgements) in the UK that while it is technically possible, it is extremley expensive, and should only be done with a full understanding of the costs and delays involved.

I reported the UK solicitors to the OFT for failing to follow UK guidlines on debt collectors

Credit Corp has regularly been castigated in Australian courts for not presenting the full paperwork showing deeds of individual debts when suing for the debts, so even if they try and sue you in Australia


I realised very early on they didn't want the full amount, they just wanted a written acknowledgement of the debt, and a offer of a schedule of payment, so the clock would be re-set on the statute of limitations and they still had an asset. I held them off for the 18 months required for the debt to be statute barred.

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Hi jelly,

Who were the UK solicitors? Was it stevensdrake? What action did they take if any and how did you stall them?


Stevensdrake apear to be the uk solicitors at the present time for credit corp and their website offers debt recovery. Dont know if they are registered as debt collectors but they sure offer the sevices as such.


Thanks for the info you supplied so far,


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  • 2 weeks later...

Yes it was stevens drake. I told them to put up or shut up. I researched in great detail my rights in Australia and the UK and started to stop panicking. My request for evidence of the original agreement and the deed of transfer was ignored, I just received vast copies of old statements. I refused to deal with any one other than them, to make myself as much of a pain in the arse as possible. I made a complaint to the OFT. I guess eventually they put me in the "waste of time" pile and moved onto someother poor bastard who thought SD actually had some kind of power over them in the UK.


Simply ask for a copy of the deed of assignment, not just the notice of the deed of assignment. In the past in Australia, credit corp has repeatedly been unable to fuly document transfer of debts to the court's satisifaction. This step is critical if the defendant is denying the debt.


An important thing when considering the notice of assignment, is the address it was sent to. Credit Corp sent the notice of assignemnt to my parents place, even though I had left Australia 6 years before, and had continually updated wespac with each new overseas address, of which there were many. When I left Australia in 1998 and told wespac of this, they were unable to set the account up with an overseas address, but were able to add an additional overseas address as a mailing address, which they did and I continued to receive my statements.


I guess when the debt was transferred to Credit Corp, wespac only gave them my account address, not my residential address, even though I had kept wespac fully informed of the changes. If it had gone to court, this would have probably been my main defense.

Edited by jellybinh
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Exclusivly Stevens Drake, I made them work for their money (that they were never going to get). I put it to them that as the debt and the owner of the debt was still in dispute, they were unable to chase after it. I demanded the documents from SD that credit corp had failed to provide me. SD obviously had as hard a time as I in getting the docs, it took them months, and even then they only got some of the docs i had requested. I complained to the OFT they were breaching the code of conduct by


  • persuing a debt in the wrong jurisdiction
  • threatening legal action they were unable to take
  • persuing a debt that was still in dispute

All businesses have to justify costs by returns. If I cost SD more in staff resources than they would ever receive in "bounty fees" from credit corp, it makes no business sense for them keep me as an active persuit. I did the opposit of hiding from a DCA, by being the most in your face, demanding, high maintenance individual, with written comminication on a weekly basis.

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