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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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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Moneybarn - Return of Goods Order Suspended By Consent Order


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you don't need to tax/mot/ins if its off road and sorn'd and that's free.

 

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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to be frank I doubt even MB realise what they have done. that's a std mailmerge letter seen here before doesn't even ack the fact of the suspended ROG/CO   if you read the court judgeme

Thanks very much indeed for your offer of a donation. Of course we are very happy to receive it. if you want to make a recurring donation I understand that there is a check box somewhere on the d

Evening dx, certainly been a while    Reading the SAR , the OP needs to relate the email from MB dated8/3/17 to the four serious findings in the FCA report in the link above and base their i

Quote

 please keep the vehicle taxed and insured for the time being, as per the terms and conditions of your finance agreement.

 

 

I would at the least keep the insurance running...wouldnt want it to be stolen or damaged ?

We could do with some help from you.

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Yes SORN offroad, and keep insurance especially if its paid up for rest of  year.

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

 

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Yes ive sorn'd the vehicle it is stored in a secure area. Thanks.

 

The insurance is one part of the area that puzzles me,

 

MB inform me in their correspondence  (what I interpret anyway) I no longer have an interest in the vehicle therefore surely im not obliged to pay 65.00 per month insurance for their benefit

- (just wanting to know if im legally required or obligated to insure,

im not saying im cancelling insurance,

 

I feel its a grey area when im informed on numerous occasions the agreement is terminated so would like to understand my obligation, or if any still remains).

 

 

 

 

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there is no legal remit that MB can use from their behalf, to make you insure the car.

 

there is some vague wording I expect stating you should look after their asset I expect.

 

 

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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  • 2 months later...

Well now we all seem to be getting slight normality back in our lives (although a long way to still to go) I feel its time to finish what I started with MB and tackle the first hurdle!!

Complaint Time!

Would a complaint have to be sent to MB initially?

I am finishing compiling my detailed list and if someone has some spare time I will upload the list as I feel im gonna need some assistance in actually compliling this detailed complaint, im sure DX will have some valid useful notes already 😁

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Oh dear I am having issues, not sure of the best opening paragraph to start off my letter of complaint. Its harer than I thought it would be 🤔

 

There are so many issues that need addressing, however I dont know if I should be summarising the issues im raising with directions to the relevant points; i.e Comms log page number, CCA, Documentation received (Letters etc), or going for full indept complaint.

 

Any direction appreciated.

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just list the various categories the complaint encompasses

don't go into specifics, keep them guessing..

 

 

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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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  • 2 weeks later...

Ive amended my draft complaint again and again dont want it to be an essay, as suggested, im keeping them guessing as much as possible.

 

It has dawned on me I dont think I ever asked this question, as this does throw a big spanner at MB.

 

The agreement started 17/11/16 for 60 mths, but only payable over 59 mths. The end date stated 17/12/2021.

 

MB informed me the consent order payment date of 16th of every month was to keep in line with the agreement payment dates!!

 

So am I correct in assuming the actual first payment date was 17/1/17 then a further 58 payments are required to take it to end payment date 17/11/2021.

 

In effect month 1 is deferred (17/12/16) although they dont actually tell you that but the figures and dates on the paperwork infer that to be the case. Otherwise the agreement would be over paid by one month if 60 payments were made.

 

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not important.

 

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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Ok, 

 

I thought it may of helped as their DN stated 2 installments in arrears when it was issued on 10/2/17, but it would infact only have been 1 installment overdue 17/01/17.

 

I will keep to what I already know and stop over thinking further issues. 😁

 

 

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a dn can be issued even on one default payment.

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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  • 3 weeks later...
Posted (edited)

Update, advice please; 

 

Im receiving messages from Burlington

(I believe are part of Marstons) (Emails, text messages, phone calls)

They are asking me to urgently contact them regarding Moneybarn and to do so within 24hrs

 

Not sure if I should email them back or what would anyone suggest? 

 

Thanks

Edited by Foolishly
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they are simply powerless repo guys with a car transporter.

they have zero legal powers.

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 thanks,  I wont bother replying.

 

Should I leave the car on the roadside to be collected, post keys off and amend the V5, or hangfire until everything is resolved one way or another?

 

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don't put it on the road 

it's not insured, taxed, mot'd

and still in your name.

 

actually re reading the thread....you don't want the car and it's one less thing to worry about.

 

if you wish contact burlingtons and arrange they collect it?

 

gets the court order out of your hair too.

then its just arguing with MB to do a VT 

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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as said MB makeup their own rules

 

IMHO MB were wrong to refuse VT in 1st place

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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  • 5 weeks later...

and?

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 weeks later...

Good evening, 

 

Sorry I have not been active online for numerous weeks unfortunately I have been seriously ill not fully recovered, but well enough now to continue on with my fight against MB. 

 

Will update my thread in full tomorrow along with  my prepared letter 😁

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No need for a long winded complaint 

Simply base it on MB breaches of

FCA Prin6 and 7

 

https://www.fca.org.uk/publication/final-notices/moneybarn-limited-2020.pdf

 

You can flesh it out later at the FOS

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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blimey hello TOR..:yo:

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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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Evening dx, certainly been a while 

 

Reading the SAR , the OP needs to relate the email from MB dated8/3/17 to the four serious findings in the FCA report in the link above and base their initial complaint on that .(PRIN 6 and 7)

Having told MB that the OP was away from their house at the time of DN issue, I can't see a DN argument bearing much fruit

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 2 weeks later...

No the info on comms log isn't quite right,

 

I hadn't worked since Xmas due to bereavement but I wasn't staying in Somerset since the Xmas.

The comms log is very deceitful indeed and after I had finished evaluating it fully I came to the conclusion MB are very manipulative, they lie, cheat and twist the truth, but it only takes the slightest slip up and everything crumbles.

 

You see in order for MB to have taken any further steps they have to be entitled to take them.

So when they lie and try to deceive the truth prevails 😊, so to send a copy of a Default Sums Notice dated 15/1/17 that doesn't exist on the log anywhere and Ive never had the original and then fail to include one in the SAR that is listed on the log as generated on 18/1/17 (not had this one either)  doesn't the consequence of that 1 act prevent them from any further action until the notices are served 

 

86 (e) Notice of default sums

(5)If the creditor or owner fails to give the debtor or hirer the notice under this section within the period mentioned in subsection (2), he shall not be entitled to enforce the agreement until the notice is given to the debtor or hirer.

 

 

 

But I am reducing the complaint and sticking to basics

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Morning 

I am sorry for this unacceptable delay on my behalf, I never thought a simple complaint letter would cause me so much stress along with anger towards this company 🙄

I only have this weekend to get things rolling.

 

I should be back at hospital Monday (as long as they don't cancel on me again) and won't be upto much for a while from then on 🤔

 

So please bare with me,

I need to condense my letter as it's totally long winded and off in points, I'm taking the advice given for prin 6 and 7, but was also considering prin 9, 

 

Trust is also a major part for me here: 

yes I did trust they had my interests and I totally relied on their advice and judgement, which I now know was all given with their own interest in mind not mine and for their own benefit and gains, no to assist me in any way. 

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