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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • 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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Mass complaint ;Add your name here if a dca has acted incorrectly with your account.


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Guest blackie

Link Financial phone a neighbour requesting my oh get in touch as a matter of urgency, sending silly postcards, threatening letters, ignoring SAR. Good luck to the boss though building his new house.

 

Also HFO, and a Mr DeSilva who works for them, for threatening my family, telling my OH that he would not like what HFO were capable of doing. Telling phoning at ungodly hours of the night, Turnbull Rutherfords, one in the same for the unscrupulous practices.

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Hi Castaway,

 

If you go to the home page, and then press "Welcome to the Consumer Forum" it will then come up with "post new thread" just a bit down on the left hand side.

 

Put mackenzie hall in your thread title because then others dealing with them will pick up.

 

Have you made any payments on this account since 2002? This is very important because if you haven't it is statute barred anyway and you can tell them to shove it.

 

DD

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We are fed up of reading the stories about the Dcas who continually flout laws and principles and do not act responsibly.Following all your requests,you are invited to add your user name here together with the dca or firm of baliffs that you wish to complain about.Just add a few lines of your complaint.

Once we have a list we can then get something drafted to launch a bulk complaint to Consumer direct The FSO the others who are required to take up complaints.

 

I would like to cite 1st Credit, Reigate whose actions provoked me into complaining to the OFT on the day they(OFT) imposed conditions upon them (19/02/2009). Dodgy tactics too numerous to detail here.

 

I would like to cite Metropolitan Collection Services (MCS) acting for HSBC, who answered a s.77/78 CCA request with an insistance on signed application, and a quotation from the Data Protection Act which 'forbids them divulging data to an unidentifiable entity' (I have been dealing with them since March 2009.

 

I would like to site Apex Credit Management (formerly B C W Group) whose response to a s.77/78 CCA request was to return my letter and PO, and to close my account and pass it back to Barclaycard.

 

I would like to cite Barclays Bank plc, who, when asked in May 2009 why I did not receive any benefit from the PPI included in my loan, found themselves unable to answer my query within 8 weeks and 'hoped I would not find it necessary to complain to the FOS'. I did, and neither have so far given me a final response (Nov 2009).

 

All of these are the subject of threads that I have posted on this forum.

 

I am pleased to participate in this Mass Complaint.

 

LuckyS

Edited by luckysandpiper
typo
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Blair, Oliver & Scott - 5 phone calls a day until I moved, changed home and mobile numbers then wrote a letter telling them to shove it which amazingly they did, but then I hear from:

iQor - bought a debt from Intelligent finance that was in dispute and kept sending letters chasing it despite being advised they had breached regulations.

Mercers now chasing a credit card in dispute - requested signed agreement back in August - nothing since.

Edited by nporter
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Blair, Oliver & Scott - 5 phone calls a day until I moved, changed home and mobile numbers then wrote a letter telling them to shove it which amazingly they did, but then I hear from:

iQor - bought a debt from Intelligent finance that was in dispute and kept sending letters chasing it despite being advised they had breached regulations.

 

I think you'll find that the debt has only been passed on. Iqor, or wang -qor, are HBOS' next bottom feeder after hopeless in-house BO&S

 

Don't reply to them.

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Max Recovery c/o Eversheds!!!!

 

They registered seven defaults on my credit report and havent provided any evidence as to why!!!!!! I have contacted them 17 times in writing (recordered delivery) and still nothing. I had never heard of them until i got a copy of my credit report.

 

THEY SHOULD NOT BE ABLE TO GET AWAY WITH IT...................

 

OFT & Financial Ombudsman dealing with them now.

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We are fed up of reading the stories about the Dcas who continually flout laws and principles and do not act responsibly.Following all your requests,you are invited to add your user name here together with the dca or firm of baliffs that you wish to complain about.Just add a few lines of your complaint.

Once we have a list we can then get something drafted to launch a bulk complaint to Consumer direct The FSO the others who are required to take up complaints.

 

2SHEP WE HAVE ISSUED A COMPLAINT AGAINST 1ST CREDIT AND CONNAUGHT TO THE OFT REGARDING A SUPPOSEDLY OWED DEBT FROM 1999 WHICH WAS STATUTE BARRED AND THEY ISSUED ME WITH A STAT. DEMAND WHICH WAS THROWN OUT BY THE JUDGE , THEY NEVER EVEN TURNED UP AT COURT AND THEY STILL 1ST. CREDIT ARE STILL SENDING LETTERS THAT IS WHY WE HAVE REPORTED THEM NOW WE HAVE HAD A LETTER BACK FROM THE OFT WHO ARE LOOKING INTO IT.THIS IS ALL THANKS TO MEMBERS ON THIS SITE TELLING US WHAT TO DO.

1ST CREDIT ARE LOWER THAN THE LOW,

CONNAUGHT WHO ARE IN CAHOOTS WITH 1ST CREDIT TELLING ME TO TAKE A LOAN OUT, UNBELIEVABLE THREATS AND HARASSMENT THESE LOW LIFES WILL STOP AT NOTHING AND THERE STAFF CANNOT POSSIBLY HAVE ANY CONSCIENCE THE LIES AND SCHEMING WAYS THEY TREAT VUNERABLE PEOPLE ITS DIABOLICAL.

HOPE YOU CAN PUT THIS ALLTOGETHER MARTIN 3030.

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My OH's Barclaycard is in dispute and is with solicitors but Allied International, AIC, have chosen to start sending colourful postcards and using my cellphone to get hold of him! The solicitors have already sent BC a letter about this and how I need to have my cell phone free for our little boy with a life-threatening illness, but they continue to call. They do not veryify identity with me and are the rudest people I have ever spoken to. No more than a bunch of thugs. :mad:

 

Names so far, McDermott, Watson and Soave

0141 2283008

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Buchanan Clark + Wells

 

Failed to stop action despite being told I dispute the debt exists, I complained to the OFT and informed BCW again that no debt exists, they have stopped action only to pass it to another DCA

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You still have the delightful Mr Gilmour to look forward to. :mad:

 

 

Oh heck, DD, now you're making me want to phone (recorded of course) him in the morning before he phones me:D:D:D

 

Incidentally, they only use MY cellphone number now to try and contact OH, haven't I read somewhere how to record cellphone calls???:confused:

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they only use MY cellphone number now to try and contact OH, haven't I read somewhere how to record cellphone calls???:confused:

 

That is definitely not acceptable if you are not the debtor.

 

Have a look at this link

Edited by platinum
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I do not believe I owe barclays any money . The debt is denied . The agreed the overdraft and then agreed to put in on loan in 2006 , Section 18 of the consumer credit act maintainas theat verbal agreemetns enters into a series of multiple agreement. The data acess report is full of errors and they tried to con me in to changing the product to get an new agreement , as they admit in the report that they would have great difficutly recovering their money if they did not . Tehy messed up my credit rating to keep control of the debt so I could not go elsewhere. I have made a goodwill gesture of of £2000 which has been refused , then looked as if they would agree I acalled the DC and got a load of agression. I have been very ill hence off line. I would like to meet someone at b who speaks sense to thrash this out for the sake of my health.

 

Exit3

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Account in dispute with Egg, Apex sent letter with dodgy photocopy from Egg enclosed. Sent them a "sod off" letter and got back a letter without my flat number on it (i live in a block of 22 floors!!!) saying they are disappointed that i have failed to reach a payment agreement

 

:lol:

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The easiest way to get them off your back is probably to use the template letter posted here.

 

It forces them to take notice or be taken to FOS and could result in them having to pay you for distress and inconvenience (FOS reported last month that it has happened).

 

IAMHARRASSED - You should send the template letter to Lloyds TSB AND Apex

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  • 2 weeks later...

DCA First credt solutions using automated message ringing service and I received a call at 10.20 p.m. They said this was impossible as they closed at 8 p.m. I do not use my answering machine. They stated that they could not help it if a message was left at 12 p.m. and the service kept ringing. Surely they have control of their calls. I persisted with the statement that they called me at 10.20 at night and they chose to terminate the conversation which must be recorded . I cannot get any sense out of these people. They must use a separate company to do the calling. Tehy also use a sperate comapny at the same address to threaten to call round .CFL not first credit solutions is annoucned in the message . Are they skimming around the rules of the officeof fair trading. I ask to speak to the person who left the message adn I was told that James left the messages and they dealt wit th accounts.

 

When I told them on previous conversation that I had been seriulsy ill. and was still recovering the answer was you are fit enought to work to are fit enought to deal with this. I cannot deal with the agression their client is BArclays and I am hoping to find an alternative solution. I beleive that if they knwe how they were being represented they may lose their contract.

 

exit 3

 

exit 3

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Optima Legal

Arndale House

Charles Street

Bradford, BD1 1UN.

Optima Legal - Welcome

 

These swines threated to take my HOME for a Credit Card debt with MBNA. Calling it an inhibition application, saying my home will be sold and MBNA will request the credit card debt paid with equity available following sale of my home.

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Capquest - calling me claiming to be from The Telegram Office with a very important letter for me (1471 told me it was Capquest)

 

Capquest sending me demands even though they have been told that the debt is in dispute with the OC

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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  • 1 month later...

Please add Newmans to this, they didn't respond to any of my letters requesting cca or correct follow up letters. They even turned up on my doorstep despite a letter revoking the right all of which were sent recorded delivery. Constant phone calls to my wife who told them time and time again that I would not be in during the day as working. All this while she was also adjusting to life with a newborn! Awful awful people. No respect for the law whatsoever. The debt was through Tesco's who have since sent the debt to Moorcroft despite the final letter ( from this site) informing my details to be removed!

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Please add Rundle to the list, they harassed me as a vulnerable person and unlawfully charge me 5 times for each visit and charged levy fees when they had not levied and misrepresented their powers saying they were coming to remove my goods, without a walking possession. Info given in two separate letters from them gave different dates for certification of bailiff. Also, called at my business address (guest house, all goods tools of trade) to remove goods!

 

I am too stressed out to take them to Court, I am busy fighting a committal to prison for non-payment of the council tax to deal with the bailiff!! Therefore, whatever progress is made with this mass complaint would be a benefit!

 

Thank you to the originator/s of this idea!

 

JQ

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