Jump to content
  • Tweets

  • Posts

  • Our picks

    • 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.
       
        • Thanks
      • 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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 276 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

 

I had a letter from the NCCBC for a small claims case.

I responded and done everything requested. 

I then got a letter asking if both parties agree to mediation which we both did.

However today I have recieved a letter saying the case has been transferred to my local county court.

Am I now stuck with having to deal with a court case or can I request it be sent back to mediation.

I want to avoid a ccj and wanted to try and agree to a plan by mediation but going to court is going to get me a ccj and I could potentially lose my job due to the ccj.

Thanks 

Link to post
Share on other sites

Thread moved to Financial Legal Issues Forum in view of the court claim.

 

No you cant request it be put back to mediation...you can deal with the claimant. solicitors direct and try to agree settlement by consent.

 

Tell us a bit about the debt and claim by reading the following link and then copying the Q,s and your responses back here for further advice....

 

 

Regards

 

Andy

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

Link to post
Share on other sites

Hi

 

The claim has 2 debts put together for mobile phone Bill's totaling £750.

On the particulars it just says 2 accounts unpaid to claimant.

 

It shows as lowell solicitors but they dont have the claim number on there system so I am guessing it is just lowell portfolio.

 

I was hoping for mediation as I suffer from anxiety and will struggle going to a court and will probably now lose my job so they wont get any money out of me then.

 

I don't have any assets of value I rent and don't drive so there is nothing I can sell to pay this off.

 

I need to move too so a ccj will blow that out of the water too.

 

I registered on Lowell's website and lowell solicitors and neither accounts show on there websites 

Link to post
Share on other sites

Complete the link questionnaire and then we have all the answers...then we can dissect this claim.

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

Link to post
Share on other sites

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? 

 

 Claimant took out mobile phone contract and failed to pay, This claim accounts for 3 accounts.

 

What is the total value of the claim?  

 
Total Amount
£922.26
 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?

 

Not sure

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?

 

No

 

Did you inform the claimant of your change of address?

 

N/A


Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?

 

Mobile phone

 

When did you enter into the original agreement before or after April 2007 ?

 

After

 

Do you recall how you entered into the agreement...On line /In branch/By post ?

 

Online

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?

 

Yes

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.

 

Debt purchaser lowell 

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?

 

Not sure

 

Did you receive a Default Notice from the original creditor?

 

Not sure

 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?

 

Not sure

 

Why did you cease payments?

 

I had lost my job at the time and had not heard anything more about it until this andi had forgotten 

 

What was the date of your last payment?

 

Not sure

 

Was there a dispute with the original creditor that remains unresolved?

 

No

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan

 

No

Link to post
Share on other sites

Thank you.....

 

And the date of the claim ?

 

The particulars of claim......thats everything verbatim...you have not edited or shortened it ?

 

A copy of the defence you submitted would be helpful if you require assistance in preparing your statement at the next stage of the process.

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

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...