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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
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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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Unsigned direct debit indemnity claim.


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My uncle had a home plumbing insurance policy.

Auto renewing for 4 years.

Annual premiums increased from £12 to £96 to £230 to £266.

He didn't need the policy as the cover was already being provided under his household policy.

 

I sent the firm a Subject Access Request . 

The bundle arrived and contained a copy of  the direct debit form.

It seems my uncle completed the mandate wrongly.

In the box for his Christian name, he put his full name.

In the box for his surname he wrote his signature.

In the box for his signature, he left blank.

I made a direct debit indemnity claim, stating the firm did not have a properly signed mandate.

The mandate should have been returned by the insurance company to be properly completed or rejected by the bank.

The bank repaid the debits for all 4 years by the time I put the phone down. 

 

Its WAR

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Hi War 

 

What was the Plumbing Co involvd here.

 

Customers tend to set up policies or cover, etc, and then leave it. That's how insurers make a killing, when folk don't bother to compare quotes from other Co's.

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The company was Homeserve.

 

Thames water sent Homeserve my (aged) uncle's details. Homeserve sent him a flyer offering him the £12 a year policy. He didn't understand it and  filled out the forms wrongly.

 

For four years Homeserve sent him a very wordy letter headed 'Relax, you are covered'. The text mentioned the new premium.

 

My uncle didn't realise  the £12 first year premium was an introductory offer designed to draw him in and that future years premiums would escalate by obscene amounts, and the annual 'Relax you are covered' letter highlighted that he needn't worry, he was covered and could relax.

 

The increase in premium was hidden away, especially for an old man who probably didn't have his reading glasses on. I doubt the 'Relax' letters even got read past the headline.

 

Homeserve are a complete rip off. Who in their right mind would pay an annual premium (higher than they could insure their whole house for), but only be covered for a dripping tap, blocked pipes etc?  As for damage caused by such a thing, his household policy already covered it. 

 

So, we will just wait and see how (or if) they try to defend the indemnity claim.

 

Edited by slick132
Spacing added to make post legible

Its WAR

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Hi War,

 

Spacing added to your post above to make it easier to read. Please  use spacing and avoid solid text blocks.

 

Thames Water send out these "invitations" regularly, subjecting their customers to Homeserve's tactics. It's impossible to justify those increases, year on year.

 

Keep us posted on Homeserves reaction to the DD reclaim.

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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