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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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PPI Successes [NO QUESTIONS or EXPLANATIONS PLEASE] - just Bank/How Much with a link to your thread.


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Have just had £4k back including 8% interest for PPI.. received a chq but also noticed they have credited my account with the same amount?!? whooops!! wonder how long it will take for em to notice..

 

Would you tell them? more to the point do you think I should?

 

Same day it seems! lol they have taken it back!

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Same day it seems! lol they have taken it back!

 

What a shame:cry:

 

Great result, well done:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Part success. 2 weeks ago I sent two letters one to HFC and the other to Lloyds (2 loans). Received a letter after a week from HFC offering to pay me back 2600.00

 

Just got one to day from Lloyds upholding my first loan (i refinanced this loan with the second one) saying that they had already paid me bak 900.00 and want me to send off an acceptance form without letting me know the figure they are offering. Does anybody know if this is the norm plus what do I do about the second loan as they havent mentioned it.

 

Thanks

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Part success. 2 weeks ago I sent two letters one to HFC and the other to Lloyds (2 loans). Received a letter after a week from HFC offering to pay me back 2600.00

 

Just got one to day from Lloyds upholding my first loan (i refinanced this loan with the second one) saying that they had already paid me bak 900.00 and want me to send off an acceptance form without letting me know the figure they are offering. Does anybody know if this is the norm plus what do I do about the second loan as they havent mentioned it.

 

Thanks

 

Hi I too got an acceptance form without the appropiate figures etc????

 

Mr W

Regards..Mr Worried :)

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Hi I too got an acceptance form without the appropiate figures etc????

 

Mr W

 

Hi Mr W and help45:)

 

LTSB make a habit of doing this. The FOS told me figures couldn't be provided till I had signed the form (in my case I've had both FOS acceptance forms and LTSB own acceptance forms for different loans - all without figures), yet despite this after I complained to LTSB the figures were forthcoming. My advice therefore is stand your ground and insist they provide a detailed breakdown of what they are offering - after all having ripped you off once already who's to say they won't do it again:eek:

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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agreed!

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Agree with Landy Alert & dx,

 

Egg has just pulled this stunt with me, FOS upheld my complaint & I had to sign the acceptance form with 'Egg will confirm figures for settlement' - did they heck as like, they automatically sent a cheque for just over £1,000 against a claim of over £6,000 with a statement that they will not refund anything older then 6 years & do not refund compound interest.

 

LBA gone off for the balance or off to court we go.

 

Beachy

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hehe

obv never heard of the limitations act sec 32c!!

 

go get 'em

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Part success. 2 weeks ago I sent two letters one to HFC and the other to Lloyds (2 loans). Received a letter after a week from HFC offering to pay me back 2600.00

 

 

 

Thanks

 

Help, did HFC refund ALL the premiums paid with interest or have they only refunded 6 years ? Thanks :)

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Reclaimed for PJ (sis in law) £567.01 ppi (includes compound int & 8%). Unfortunately can't make a donation - at this time- since this is just reducing a debit balance, however she's been good in the past and managed to chip in as I'm sure she will this time.

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Reclaimed for PJ (sis in law) £567.01 ppi (includes compound int & 8%). Unfortunately can't make a donation - at this time- since this is just reducing a debit balance, however she's been good in the past and managed to chip in as I'm sure she will this time.

 

Well Done Kennyh.

 

Did you use a standardised letter to commence the claim? if so , would you like to share the contents??

 

Mr W

Regards..Mr Worried :)

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Just the CAG template with a schedule of costs. But for what it's worth -

"

I believe I have been mis-sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid.

I took out a credit card with Barclaycard in 2004 and now note that a payment protection policy was also installed. I know not how this occurred (it may have been a box ticked in the original application), however I AM certain (and the information supplied to date does not show otherwise) that no-one from your organisation sought, as per FSA guidelines to

· Confirm whether I had any other insurance, or funds, which would cover the credit liability

· Advise that I could buy PPI elsewhere to cover the liability

· Advise that Payment Protection Insurance was not compulsory

· Advise that getting the credit card was not dependant on taking out the Payment Protection Insurance

· explain that there might be certain exclusions within the policy that could affect me

The Terms & Conditions of the small print were not fully explained to me.

In conclusion I would have to say that there appears to have been an over-reliance on product documentation given at the expense of explaining the policy".

They then sent a questionnaire which I ignored with the following "

My reply has been delayed because I have been making enquiries as to the validity and legality of your questionnaire. I find that this is a non-essential item that only you have chosen to try to insert in the claim process. I shall NOT be completing this since it requests information you either have, or would have had were you to have conducted the original ppi sales process correctly. So far as I am concerned this is yet another level of prevarication on the part of Barclays, to which I shall draw the court’s attention should we progress that far. I shall, in fact, proceed along the lines laid down by the FSA (a body partly funded by YOUR bank!)"

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Just the CAG template with a schedule of costs. But for what it's worth -

"

I believe I have been mis-sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid.

I took out a credit card with Barclaycard in 2004 and now note that a payment protection policy was also installed. I know not how this occurred (it may have been a box ticked in the original application), however I AM certain (and the information supplied to date does not show otherwise) that no-one from your organisation sought, as per FSA guidelines to

· Confirm whether I had any other insurance, or funds, which would cover the credit liability

· Advise that I could buy PPI elsewhere to cover the liability

· Advise that Payment Protection Insurance was not compulsory

· Advise that getting the credit card was not dependant on taking out the Payment Protection Insurance

· explain that there might be certain exclusions within the policy that could affect me

The Terms & Conditions of the small print were not fully explained to me.

In conclusion I would have to say that there appears to have been an over-reliance on product documentation given at the expense of explaining the policy".

They then sent a questionnaire which I ignored with the following "

My reply has been delayed because I have been making enquiries as to the validity and legality of your questionnaire. I find that this is a non-essential item that only you have chosen to try to insert in the claim process. I shall NOT be completing this since it requests information you either have, or would have had were you to have conducted the original ppi sales process correctly. So far as I am concerned this is yet another level of prevarication on the part of Barclays, to which I shall draw the court’s attention should we progress that far. I shall, in fact, proceed along the lines laid down by the FSA (a body partly funded by YOUR bank!)"

 

OH Simple eh.

 

I will adjust to suit.

 

Cheers

 

Mr W

Regards..Mr Worried :)

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Just work on the basis that it's 'odds on' that they were in the wrong and (given staff turnover) it's often your word against theirs and their records (and for a big claim do not forget verbal transcriptions of telephone calls) are often not as comprehensive as one might think. Good hunting.

Ken

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Had a letter off halifax today saying they up held my complaint!. Got to wait upto a month before they get a figure of the claim tho. But still a win!!

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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well done! whyhy do they need a month? they took the money quick enough!

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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you need to see how they have calculated your refund before you agree to it - yes

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I will, I have spoken to the chap looking after the case and he has already confirmed the 8% on top. The reason for a month he said was due to the fact he had to send it to the credit card dept to calculate the figures. So i will be double check when they send it through.:)

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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what a lload of rubbish they talk! it does not take them 28 days to calculate 8% interest, it is all stalling tactics to keep the money and the interest they are earning on it IMHO, I have been waiting for more than a month and am preparing my particulars of claim to take it to my county court and get my 8% from day one!

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Hi Citizen B

 

Just re read the paperwork (talk about confusing) think when it comes to basics they are offering me the ppi plus 8% interest and taking me back to how my loan would have been calculated without the ppi.

 

Michelle

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