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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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.
       
      • 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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121o121 v Halifax CC ***SETTLED IN FULL***


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With my LloydsTSB bank account claim settled, I'm eager to start on both my credit cards now, Halifax & Cahoot.

 

I made a subject access requests to Halifax a few weeks back, and have today received my statements. Pressumably the two fee's claimable with credit cards are "overlimit fee's & late payment fee's"?

 

Regards

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Thank you Gizmo111.

 

I'm even more determined with the Halifax as they are the only ones to cash my £10 cheque!

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WON 121o121 'vs' LloydsTSB

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Make sure you claim that tenner back too!

 

A D

[sIGPIC][/sIGPIC]"Another charge by the Bank?"

 

1st Claim (Current account)

30/11/06 WON! £3146.41

 

2nd Claim (Mortgage charges)

27/3/07 WON! - £277

 

3rd Claim (Credit card charges)

14/5/07 WON! £300

 

4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

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Top of my list mate!

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WON 121o121 'vs' LloydsTSB

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WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

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Prelim sent 8/12/2006 for £565.00.

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WON 121o121 'vs' LloydsTSB

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WON 121o121 'vs' Halifax C C

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WON 121o121 'vs' LloydsTSB (again)

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hi 121

just a quick question, did you get all your info from your SAR in one lump?

I'm really perplexed as I got mine today but all I have is from 2003 - beg of 2006, just wondering whether to hassle for the rest of it they might come seperately?

good luck with your claim

Apple x

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Hi Applecrumple

 

My statements start from 2003 and continue till present. I estimate I am missing approximately 2 years worth (2001 - 2003). I have sent a non compliance letter and suggest you do the same.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

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WON 121o121 'vs' LloydsTSB

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WON 121o121 'vs' Halifax C C

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WON 121o121 'vs' Cahoot CC

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WON 121o121 'vs' LloydsTSB (again)

here

 

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Halifax are the only ones that cashed my £10 cheque so it's even more important I get all my statements from them.

 

I have sent my prelimary letter as I can adjust the amount right up until I file the claim. That gives them 28 days to forfill my request.

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WON 121o121 'vs' LloydsTSB

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WON 121o121 'vs' Halifax C C

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WON 121o121 'vs' Cahoot CC

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LBA printed and ready to send tomorrow.

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WON 121o121 'vs' LloydsTSB

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WON 121o121 'vs' Halifax C C

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WON 121o121 'vs' LloydsTSB (again)

here

 

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Enjoy the trip to the Post Office (you are sending it registered?) LOL

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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No, I won't send it registered. All my letters to Halifax, Cahoot & LloydsTSB have been normal 1st class to date.

 

That'll get there.... :rolleyes:

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WON 121o121 'vs' Halifax C C

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WON 121o121 'vs' Cahoot CC

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WON 121o121 'vs' LloydsTSB (again)

here

 

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Have received a letter from the Halifax this morning.

 

It says that my account was opened on the 1st of April 2003. However I know it was opened before then.

 

I had reported my card lost/stolen once and I was given a new account number. I'm presuming that the statemetns they've sent relate to just my new account number and not my old one.

 

If this is true, I presume I would need to write to them again with the old account number (if I can find it) and send a seperate SAR? Aslo it would be 2 claims to start?

 

Has anyone else had experience of this?

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WON 121o121 'vs' LloydsTSB

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WON 121o121 'vs' Halifax C C

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WON 121o121 'vs' Cahoot CC

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WON 121o121 'vs' LloydsTSB (again)

here

 

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Probably worth giving them a call. There should have been a name on the letter they sent to advise they were sending statements out, although there may not be a number. Try 01422 380880, the main switchboard at Trinity Road.

 

If you can find the old account roll number then ask them to provide details on that as well, pointing out the problem that caused the account to be changed.

 

Depending on the total, you could lump them together in your claim. Just keep the details seperate so they can also do the calculations.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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thanks hillards, thats a job for the new year.

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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  • 3 weeks later...

Sorry for the lack of update....

 

I have today received (in response to my LBA) a letter saying...

 

"To demonstrate our commitment to you as a valued customer I have refunded your account with £565.00 which represents the total charges on the account."

 

Its the full amount I asked for, with no conditions attached and I didn't even start the MCOL.

 

RESULT!!!!!!!

 

Another donation on its way!

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WON 121o121 'vs' LloydsTSB

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WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Oh, that's not on!

The rest of us were not valued customers then ???

Seriously though, well done on your win!

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Thanks, I'm not sure why they've done it.

 

Reading other threads it doesn't appear to be the norm for Halifax, but I'm not complaining.

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Great news - congratulations!

 

(Don't forget the SURVEY too...)

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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CONGRATULATIONS......

 

Also quick question, are their any implications on claiming for credit card charges, was wondering whether to do hubbys but don't want to loose card facility or have credit limit reduced.

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hi doo

 

well i never had my account closed or my limit reviewed, but i cannot guarantee they won't. have a look at your card issuers sub catagory and see how they deal with their claims.

 

good luck.

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________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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  • 2 months later...

hi, just received credit card statements from the Halifax this morning, but only upto August 2006. I called them up and they said after 2006 they were only charging the £12.00 pound charge and would not be refunding those charges. Is that correct or can I claim for those aswell.

 

Also did you only ask for 8 % interest , as they have charged purchase interest and also cash advance interest and have shown the interest rate on the statements. Should I be asking for the 8% on top of those each month

 

I know I sound a bit thick, however I already claimed through my bank account and got full amount plus 8% and costs. Dont want to rock the boat but some of the purchas interest is as much as 15 a month.

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