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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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Part Settlement.....Advice!


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Hi all (again!),

 

Well the 14th day after LBA was up today. Suprise suprise i recieved a letter frm Mr UDY . This was the usual one about paying the difference between £20 and £12 etc. Cap 1 have basically gone and refunded £160 straight to my card, out of a claim of £600.

 

Ok then MCOL time isnt it? Also do i send them a letter accepting part payment or just go straight to MCOL without telling them???

Any advice re MCOL??

 

Cheers all

 

Tel

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Guest ChloeJane

Hi there,

 

First thing you need to do is send a letter accepting what has been paid as part settlement and let them know you are going to continue for the full amount of your claim.

 

To do this a template letter in the link below will make it clearer.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

Template 4.

 

Then wait out the time given in the letter - if no response file.

 

Money claim online -

LINKS THAT ARE A MUST READ

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

All the best,

 

CJ

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Hi,

 

Thanks for the response.

Ok so when using letter 4 which paragraph do i include as they have already put the part refund straight onto my account. Do i leave the bit in about the fact that they can take the money back from my account? - I find that a bit scary!!!!

Also do i include the schedule yet again?

 

I would really appreciate any resonse to this as i feel i am getting close now!!!!!!!

 

 

Thanks for the help,

Tel

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Guest ChloeJane

Hi Again,

 

This paragraph here needs to be added -

 

(If the bank have credited your account, please use this note in place of the above paragraph)

If you do not accept my conditions for acceptance, or you do not respond within 10 days, the money transfered to my account should not be viewed as my acceptance and I hereby authorise you to remove this sum accordingly.

 

Instead of this -

 

If you do not accept my conditions for acceptance, or you do not respond within 10 days, I shall return the payment to you. For the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter.

 

WHY?

 

You are stating clearly that you are going to continue for the full amount and only accept this as part settlement and reminding them what is being claimed.

 

That if they do not accept that you are going for the full amount and in any way see their deposit to your account as an end to the claim - you are authorising them to withdraw the amount paid in within 10 days.

 

The schedule of charges you have sent - with your first letter? If so, no need to send again unless YOU choose to. This is not a requirement.

 

CJ

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  • 2 weeks later...

Thanks for your advice.

 

Well I gave them ten days and have had no reply.

Looks like it is MCOL time. At least i get to claim interest now!!

OK then from reading the MCOL advice I need Cap 1s legal depts address - any ideas??

 

Also any up to date advice regarding MCOL to make sure I really nail it?? - I assume things are still going to plan with this?- getting nervous!

 

Thanks for your replies

 

Tel

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Hi Tel

 

Try and not be nervous. Capital One have'nt gone to court yet. You file with the court online or via the N1 route. They then normally Acknowledge, file a defence then pay up. The address you need is here:

 

Capital One Services Inc

Trent House

Station Street

Nottingham

NG2 3HX

 

Uk

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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  • 4 weeks later...
got it full settlement just got back off hols and there was a letter saying they were going to send a chq for the full amount took their time though

 

Congratulations. The waiting game is really something! Well chuffed for you!icon14.gificon10.gif

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Yes it is .. you will get your money very soon. It's been like this nearly a year now . .

 

Uk

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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They offered me a part payment. 3 times and said it was their final offer, then paid my account off in full and sent me a cheque for what was outstanding £1070 in total.

 

They went upto the defense stage, then sent me the cheque whilst I was in the USA spending the cash I got from Alliance & Leciester :D

 

So hang in there

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  • 2 weeks later...

Well I recieved a letter from cap one today saying that they have refunded my claim in full to my card. They also owe me a further £100 which they say is being sent in the post by cheque!

I have checked my card and it has a 0 balance now!!! Get in!!!!!!!!!!!

They are telling me to contact MCOL now. What do i do?!!

 

Thanks for all your support.

 

Tel.!

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Hi Tel

 

Try and not be nervous. Capital One have'nt gone to court yet. You file with the court online or via the N1 route. They then normally Acknowledge, file a defence then pay up. The address you need is here:

 

Capital One Services Inc

Trent House

Station Street

Nottingham

NG2 3HX

 

Uk

HI! UK, I,ve just had the letter from court saying that they will defend the whole ammount ( balance ).after paying a part payment.Why do they say that and then usually pay up? Is this normal?

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Yes this is normal . . . it's been like this a year now.. crazy way to carry on..They should pay your whole amount shortly. Wait until the cheque or refund appears before cancelling the court action.

 

Uk

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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Thanks!!! So how do i cancel it?!!!!!!

 

Halifax ......your next! (hope they dont take as long!)

 

:shock: Sorry to say this but THEY DO!... at least in my case. Stated them a couple of days pre Cap one and Cap Ones gone through. Hbos' only acknowledgement of my existence has been the looonggg wait for my statements. Statements req 30.3.07 - (fought for statements) 1st letter sent off finally 21.5.07 All my letters ignored. I filed my N1 on 8.6.2007 they were deemed served 17.6.07 Hbos acknowleded claim on 4.7.07. Patience is a well worn carpet.:-|

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Thanks!!! So how do i cancel it?!!!!!!

 

Halifax ......your next! (hope they dont take as long!)

 

Hi Tel

 

Just write a letter to the court with your claim number, name address etc to cancel the action. Make sure you have thye cheque cleared or account adjusted first..

 

Uk

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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