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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • 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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      • 3 replies
    • 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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Just searched through Confused.com


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Forgive me if I am posting out out of turn and feel free to remove this post if it is against the rules.

 

I have just searched for car insurance through confused.com and I have to say the site is brilliant.

 

Our main family cars insurance was £310 with Norwich Union and through Confused.com I have got loads of quotes for less than that, the best is £190 with Admiral.

 

Our second old car insurance is over £350 with Norwich Union and Confused.com quoted £144 for this with the Post Office.

 

I tend to keep away from sites like this but I have saved over £340 just by checking.

 

Hope this is of help to someone. p.s I don't work for them.

---------------------------------------------------

Halifax - Email sent for Data Protection Act - 25/04/06

Bank Statments arrived from CR - 27/04/06

Request for repayment sent rec delivery - 03/05/06

Offer of £750 from the Halifax - declined 15/05/06

Letter from the Halifax saying they will not pay more - 16/06/06

First Claim filed with the Small Claims Court 22/06/06

Owed: £2520

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I found the best deal for one of my cars from Admiral and the second car with the Post Office. I actually thought that if I had both cars insured with one company I would save but that was not the case for me. Norwich Union Direct turned out to be an expensive insurer, I am just glad I checked what I could save.

---------------------------------------------------

Halifax - Email sent for Data Protection Act - 25/04/06

Bank Statments arrived from CR - 27/04/06

Request for repayment sent rec delivery - 03/05/06

Offer of £750 from the Halifax - declined 15/05/06

Letter from the Halifax saying they will not pay more - 16/06/06

First Claim filed with the Small Claims Court 22/06/06

Owed: £2520

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Another good site to use to compare quotes is Insure Supermarket

 

Similar to Confused but seems to bring back more results. I would suggest searching both sites when shopping around.

 

When you've found the best quote, try going directly to that insurer's website - you may be able to get an even better quote still.

 

For example, with the above sites previously I found the best quote for myself was with Post Office. I then went on the Post Office website and found a slightly better price, plus they were offering £50 cashback. I then read through some further details and found that the insurance was provided through Zurich, so contacted Zurich and got a better price still even taking the cashback into account.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Thanks for the advice, I'll get back online and check.

---------------------------------------------------

Halifax - Email sent for Data Protection Act - 25/04/06

Bank Statments arrived from CR - 27/04/06

Request for repayment sent rec delivery - 03/05/06

Offer of £750 from the Halifax - declined 15/05/06

Letter from the Halifax saying they will not pay more - 16/06/06

First Claim filed with the Small Claims Court 22/06/06

Owed: £2520

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Share on other sites

I work in Insurance, and not trying to put anyone off but when checking around always check the excess levels. I was informed by an advisor that NU Direct recently cancelled any link with InsureSupermarket motor quotes because they were obtaining quotes with 2 excess levels but under same quote reference.

 

Its also worth checking what any 'scrape' site includes. Many don't include courtesy car, protected no claims, or legal cover. These 'scrape' sites (confused.com & insuresupermarket) obtain your info then just get basic prices for you but with varying excess. (Normally you find the cheaper price but high excess at the top, but most people see a price and dont look at the cover)

 

Also, If a price is good, check what it will cost you during the policy term. Most brokers will add extra fee's for admin. This could be for duplicate certificates/paperwork, changing your details or missing a payment. It can vary from £10 to £25 a time!

 

I wont go into blowing my trumpet but most direct companies will only charge you if there is a change to rating factors ie: Changing Car, or Address or Cover.

Finally, see if the online price is the same if you called up to accept it. There are some that penalise you for paying over the phone for an online quote. Lets face it, this may be 2006 but not everyone likes transmitting card details online.

 

At the end of the day, go for what you can afford but making sure you have the cover you need.

:roll:

 

Its when you claim that you find how good your insurance company is !

:shock:

  • Confused 1

In Insurance, thinking "It wont happen to me" could mean you dont have the cover you want at a time when you want it! - Dont always reject a Courtesy Car or Legal because you find the cost too much! Whats more valuable? YOU or the Policy Premium?

------------------------------------------------------------------------------

Please add to my reputation if my reply was informative to you. (click the scales);) Replies offered by me are not linked to anyone, and is from my own personal experience.:grin:

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Thanks Benjee, I am going to read all the small print.

---------------------------------------------------

Halifax - Email sent for Data Protection Act - 25/04/06

Bank Statments arrived from CR - 27/04/06

Request for repayment sent rec delivery - 03/05/06

Offer of £750 from the Halifax - declined 15/05/06

Letter from the Halifax saying they will not pay more - 16/06/06

First Claim filed with the Small Claims Court 22/06/06

Owed: £2520

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Blimey what a rip off, just thought I would check confused.com myself and EEEEEEEEEEEK! :o

 

Cheapest quote was just shy of £600 and most expensive was just short of £900

 

Anyone care to guess what we pay currently through NU???

 

£280 nice to know you are currently getting the best deal, for us NU has consistently been cheap with the only other company getting close being CIS who we initially went with but then screwed us about we told them to naff off and went with NU who have been brilliant even when we had to claim when some numpty on a motorbike decided he would be clever and try to turn left on a roundabout from the right hand lane and destroyed the front of our car (called police he got done for dangerous driving AND prosecuted for the state of his bike, idiot!) so cant fault them and have just renewed again.

 

On a side note it doesnt matter what car we put in it always seems to be around £300

 

citroen ZX 1400 (worth £250) £269

Volvo 2.0 Turbo (worth £1000) £280

Fiat Marea 1.8 ELX Weekender (worth £2000) £280

Volvo 960 CD 3.0 auto 24v (worth £2000) £289

 

Weird isnt it?

 

Oh another thing about NU they dont care whether named drivers have a full licence of not you just have to tell them how long they have had it, I was shocked so called them (no details for prov on website) and had it confirmed that they dont care about that, so anyone looking to at a later date teach their kids to drive go to NU they dont charge extra for people on prov licences!

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