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    • In March 2016 I took out a boiler from a shade greener on a conditional sale for 10 years was approximately £40 per month for 10 years which sounded a bit expensive but they advised that all parts and labour would be covered over that 10 years and an annual safety check which sounded great as it took away the worries of the boiler breaking down and replacing with expensive parts plus they said they would power flush it so I went ahead And also they had a call out of a maximum of waiting 24 hours. The whole installation and power flush took approx 4.5 hours. I didn’t have any problems until 23 months later when the hot water was playing up and I was told when I rung that if it was debris in my boiler that the visit would be chargeable. I advised none of this was mentioned when I took the agreement but they was insistent as it happened I was due a service within a couple of days so they did the visit and said it was debris and they cleaned the heat exchange plate as a gesture of goodwill. Approx 6 months later started having intermittent problems with hot water so I called again and was told by an advisor over the phone that it was my heat exchange plate which was blocked due to debris and I would be charged, I asked the advisor if he was a gas safety registered engineer and he said he wasn’t so I asked how he could be making such technical diagnosis’s over the telephone and I asked why the boiler would be blocked with debris when a power flush is supposed to last 5-6 years, I also asked if they cleaned the filter on a boiler service which they said they didn’t and they didn’t have to. I got my own gas engineer to check and it was a different fault and rang back and they sent someone out. I made a complaint to asg and i posted on social media about the disgraceful way I was spoken to on the phone and their service in general only to be sent a letter threatening libel on me and I had two days to sign a letter promising I wouldn’t post anymore on such platforms. Hence i didn’t sign and the Facebook group was changed to private however within 24 hours staff members of asg tried to infiltrate the group and when I raised this with asg they banned me from using the 24 hour call out facility and would only allow me to communicate by recorded delivery as I’d been abusive and threatening to staff which they apparently had proof of to provide to the courts if necessary. I did a sars request to asg to request said copper of emails and call recordings to which they couldn’t supply so I made a complaint to the information commissioners office who in turn raised this with asg who admitted they infact did not have these (because it never happened). Also it transpired that my boiler wasn’t fitted to gas safe regulations/building regs/manufacturers instructions to which asg denied (the flue was discharging into next doors garden) to which asg sent their head engineer round who got my tenant to sign documents (with my name in the boxes) to say their was no issue with the flue even though this had been raised several time’s. I also found out there was a charge registered against my property which prevented me from remortgaging even onto a better rate that was never mentioned when I signed up. I took these issues to the financial ombudsman who looked at the case and in the meantime I got gas safe to inspect the boiler who confirmed it wasn’t legally compliant after my solicitor checked the boundaries of the property so the ombudsman ruled in my favour that they should wind down the credit agreement, remove the boiler and pay me £400 compensation as asg had many opportunities to rectify the issues and chose not to, they also didn’t believe that the boiler flush was done to a correct standard as after researching it should take 2 days to fit a boiler and do a complete power flush. I have never dealt with a company like a shade greener in my life and sincerely hope that telling my story that no one falls foul to these again.
    • Thank you dx100uk   I know I dropped the ball on this one and there’s no excuses for it. I should of done my research well before now and not leave all this to the last minute.    I’ll try and get on the website but if I can’t I’ll email this defense over today and keep this form updated.    Once again thank you all for helping me   Andrew
    • Do you live on your own?
    • Okay thanks it is a difficult one.
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Coast Finance /Welcome Finance incorrect credit reporting

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Not sure if anyone has else has had the same issue with Coast Finance incorrectly reporting on welcome loans?

 

I had a secured loan with my ex in 2005, in 2006 we lost our home due to repossession.

 

We moved into rented and heard nothing from Welcome

we moved a few times but were never invisible and could have been traced ? Nothing on our credit files until now !

 

Apparently Coast Finance took over this in 2018 and have taken this long to put it on my file as no payments over 6 months??

This should have been registered as a Default in 2006 by Welcome and would have been off my file now 😤😤😤

 

I have spoken to Coast who tell me that Welcomes data was inadequate and inaccurate and that they never reported in the way they were supposed to and that lots of people are in the same boat ??

 

Coast did not offer to put this right even though they are supposed to if they have taken on the debt?

 

I have written a letter of complaint and have requested a Subject Access report so I can see what they’ve got as I believe it’s not only reported incorrectly but might be statute barred?

 

Any input welcome and before anyone says anything it’s not the loan I’m disputing it’s the incorrect reporting and lack of contact from anyone!! Thanks Helen 

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Moved to the welcome finance forum

Lots here on coast

 

I question you wisdom this is even owed!!

 

Next time

Dont ever use the phone!!

They'll tell you any ole bs to con you

 

Get an sar off to welcome prove the defaulted date

Send coast a copyof the defaulted date

Give them ,14 days to remove the account else you'll open a serious complaint with the ICO and be seeking financial compensation for damages to you credit worthiness without further notification

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi thanks I’m at my wits end, I didn’t give my new address to them or my new number I didn’t think it was worth sending a letter to Welcome as they were not in operation anymore ? 

Hx 

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Do you have specific dates on the loan itself? 

I wrote CAGs credit file guide and can provide guidance if needed.


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Never run from debt!!

Next thing will be a backdoor ccj.s

 

Sar welcome

Get default proof

Issue resolved

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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31 minutes ago, fkofilee said:

Do you have specific dates on the loan itself? 

I wrote CAGs credit file guide and can provide guidance if needed.

Hi the loan was taken out on 30th September 2005, the last payment I recollect was in 2006 when house was repossessed They say we made a payment in 27/6/2010 for £143 but I have no knowledge of that? Even if we did it should have registered as a default 6 months after that as no payments were showing after that one? Just so fed up 

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Hi I didn’t think I could contact Welcome as they had sold it to coast ? 

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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