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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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CCA74 - NO CREDIT AGREEMENT - claim all monies back?


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Hi, please start a seperate thread on this to enable people to properly advise you Sounds like a good start though, if they cant even show a copy they have no right to enforce the agreement

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Try posting your thread HERE

 

(Click the "New Thread" button near the top on the left)

 

As that area is http://forums.moneysavingexpert.com/showpost.php?p=53600973 Collection Agencies (Direct Legal Collections are well known around the site!)

 

Cheers

 

NcF

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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I Have Debts With First Direct 3 Loans 1 Credit Card And Have Been Passed On To A Debt Collector (direct Legal Collection) And Wish To Get A Copy Of My Credit Agreements First Direct Say They Only Keep The Copys For So Long Anybody Any Adive ??????????? I Pay My Debts Though Cccs And They Pay My Creditors

 

Hi

 

NCF is right in that you'll get much more help if you start a new thread as they've shown (as you can see this one doesn't get too much traffic!), but just as a pointer, with the bit I've highlighted, unless your account was closed years ago this is probably just to get rid of you.

 

They are legally required to keep contracts/agreements etc for 6 years after the account has been closed - not from the date of the agreement which is what you are often told. If your account is still current or closed less than 6 years ago then they are being very naughty bunnies!

Time flies like an arrow...

Fruit flies like a banana.

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The easiest way is to send a request; cut and paste this into a letter and edit it for you account. I would suggest you send it recorded delivery.

 

When you get a responce, start a new thread of your own and post a copy for help. But make sure you run a black pen through personal information like name, address and account number.

 

RECORDED DELIVERY

Statutory Request under Sections 77-79 of the Consumer Credit Act 1974

Dear Sirs,

Re: account number xxxx xxxx xxxx xxxx

With reference to the above agreement, please send me a certified true copy of the original signed agreement. I understand that under the Consumer Credit Act 1974 (Sections 77-79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. A true copy of my credit agreement should be supplied within 12 working days to comply with the Consumer Credit Act.

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