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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.
       
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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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Me against the Natwest X2 **I'VE WON, I'VE WON!!!**


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me too im now waiting to send nat west my first letter, they agreed over the phone to send all my statements for a £5 charge which is great. Cant wait to get my charges back. must be around £4000 and 3 defaults woooooooo!!! keep going everyone. power to the people

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Well done for winning, I am reading all peoples posts, as I want to take action against Nat West, and Yorkshire Bank and about 5 credit cards.(if I didn't have the charges I probabley wouldn't need the credit cards in the first place!!!! I haven't started yet, and must say I am a little confused, I know firstly that I must contact the companies to find out excactly what I have been charged, before I can start anything..... and this I will do today! Lets get the ball rolling....and the printer printing! Fingers crossed, I will be as lucky as you people one day!

Toni

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me too im now waiting to send nat west my first letter, they agreed over the phone to send all my statements for a £5 charge which is great. Cant wait to get my charges back. must be around £4000 and 3 defaults woooooooo!!! keep going everyone. power to the people

 

might try and give them a ring too, did you ask for statements or a computer print out??

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Mind you, then again, would it not be better in writing??? That way you have proof.... plus you have to request that they have to show you any person intervention, which there probably won't be, and that way you can show you have requested this!

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Hi Lynne

I hope that you have had a response from the devils!! I have just sent my DPA off to numerous email addresses and also via snail mail. I reckon I'm due about £3k back. I dont understand why they let it go so far and i am sure they wont be happy now its been on the tv!!! Oh well!! lets go to war!!!

Hayley

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Well done for winning, I am reading all peoples posts, as I want to take action against Nat West, and Yorkshire Bank and about 5 credit cards.(if I didn't have the charges I probabley wouldn't need the credit cards in the first place!!!! I haven't started yet, and must say I am a little confused, I know firstly that I must contact the companies to find out excactly what I have been charged, before I can start anything..... and this I will do today! Lets get the ball rolling....and the printer printing! Fingers crossed, I will be as lucky as you people one day!

Toni

 

'Hiya all I can say that if I can do this (with lots of help mind you) anybody can... I now have quite a few other claims going but this was my biggest and "test" on to see if the process works... and it does... my bank account is now living proof that it can be done...

 

My advice is dont let it get you down, I worked though everything a step at a time, reading other threads helped me so much so I knew what was coming... and when to expect it and what to do if it didnt happen that way...

 

Send your first letters out and sit back and wait, but while your waiting keep reading, its amazing just how quickly everything clicks into place and well you know what your facing...

 

If you need help ask.... I for one now gone through the complete process am willing to help anybody that needs help....

 

good luck with your claims

 

Lynne

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Hi Lynne

I hope that you have had a response from the devils!! I have just sent my DPA off to numerous email addresses and also via snail mail. I reckon I'm due about £3k back. I dont understand why they let it go so far and i am sure they wont be happy now its been on the tv!!! Oh well!! lets go to war!!!

Hayley

 

Hiya, My original claim was for £3500 that was for 6 yrs worth of charges, I was amazed when I totalled it all up... mind you Im not that upset it went all of the way... I ended up with just under £5k with the interest...

 

Im still shocked that natwest insist on taking it all of the way costing them more money that they would have originally had to pay...

 

ah well, I thought of it as a great savings plan with a really good rate of interest....

 

keep going, at times it feels like its a never ending cycle... but it does end, and your account ends up with a credit....

 

My advice mind you is to always send everything recorded delivery... and keep a copy.... and check that they have recieved it... I havent sent anything via email... I dont trust them not to hit the delete button instead of dealing with it....

 

best wishes

 

Lynne

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mexwave2vi.gifgeb40.gifmexwave2vi.gif

 

 

 

.

thanks Bookworm....

 

for everything... all the help... all of the advice.... and well the wavy congratuations... Ive been looking forward to one of those....

 

I still have claims going... hoping to give back some of the help now that I at least know what Im doing... instead of having to ask....

 

thanks again

 

Lynne

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Well done. Thankyou for posting - you're giving hope to the rest of us that are still fighting.

 

ANYONE READING THIS THINKING ABOUT CLAIMING - GO ON: DO IT!

 

Pl

SNATCHWEST and NOBBETS no scare me!

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'Hiya all I can say that if I can do this (with lots of help mind you) anybody can... I now have quite a few other claims going but this was my biggest and "test" on to see if the process works... and it does... my bank account is now living proof that it can be done...

 

My advice is dont let it get you down, I worked though everything a step at a time, reading other threads helped me so much so I knew what was coming... and when to expect it and what to do if it didnt happen that way...

 

Send your first letters out and sit back and wait, but while your waiting keep reading, its amazing just how quickly everything clicks into place and well you know what your facing...

 

If you need help ask.... I for one now gone through the complete process am willing to help anybody that needs help....

 

good luck with your claims

 

Lynne

 

Hi Lynne

Thanks for the support, and reading that you yourself have already won, then that gives me the push to think I can do that! It is a bit scary though, but like you said, I will keep reading and asking for help! I have made a start and sent for my Dpa, (I think thats the right word) for 2 of my bank accounts. I am so fed up of the charges, I can't get my everyday bills paid for them, and if I don't put a stop to them, then the bank certainly isn't going to!

Anyway, thanks in advance! Lets hope I don't become too much of a pest!

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  • 2 weeks later...

Well done Lynne - a gripping read!

 

I'm helping my girlfriend with her claim against Nat West and can't wait to get her money back.

 

Everyone who posts and wins is an inspiration - congratulations and thanks for the belief that it can be done!

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Kylestyle

 

The first thing you need to write is a Data Protection Act request so you have details of all the charges the back has levied against your account over the past x years, as well as details of any manual interventions. The template for this, and other letters, can be found in the Templates section of the site, here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Once you've sent that letter off, I would advise spending a good few hours familiarising yourself with the site by reading the Step by Step guide in the FAQS here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ as well as reading through others cases where you can glean plenty of useful advice.

 

You should also, unless you already have, start your own thread 'Kylestyle vs Natwest' where you can post questions, and updates on your own battle with Natwest.

 

Good luck!

  • Confused 1

My original 2006 claim - Victorious!

13/06/2006 - Sent Data Protection Act Request (NatWest), recorded delivery.

19/06/2006 - Sent preliminary letter, requesting £3483

17/07/2006 - Sent LBA for revised figure of £3601 (after finally managing to open a parachute account with Lloyds TSB!)

07/08/2006 - Filed Moneyclaim for £4401

11/09/2006 - Defence received from Cobbetts

25/09/2006 - Sent AQ to court and CPR18 response to Cobbetts

30/09/2006 - AQ due at court

25/10/2006 - *WON* Cheque for full amount received from Cobbetts

 

"Things are made of littler things that jiggle"

- Richard Feynman

 

 

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Nice thread!

 

Where do I find the first letter I need to send to them? I've posted everywhere for help but no luck yet! Please help.

 

 

I got everything I needed from the library... I just added the bits I needed....

 

good luck

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congratulations

just waiting for my statements to come and then I'm away.....................

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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Oh Lynne I'm so pleased for you, it makes me so pleased to see this money going back to deserving people. Enjoy, both of you ;-)))))

[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Please note that this topic has not had any new posts for the last 5188 days.

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