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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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Welcome Finance - This company needs to be banned.


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Millymo

 

Welcome Can Put What It Likes On An Agreement

Does Not Make It Legal

 

Its All Smoke Screen And Mirrors Again

 

Keep It In Dispute Until You Get The Word From The Fos

 

Thanks Post - That is what we were thinking - I was kind of hoping Welcome would have disappeared by the time the FOS reached a decision. It might happen yet though - I guess we will find out in next few weeks :)

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Mine is with the FOS to be honest im not to hopefull of getting the result I want from them they seem to tread on egg shells around these companies will probably need to take it to court but wait a little longer for the FOS decision first

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The old rules apply to agreements made prior to april 2007, therefore if PPI was not a condition for making the agreement then the agreement could be potentially unenforceable. Breaches in the execution of the Act.

 

Anyone wants a good read I would strongly recommend the following large binders............

 

I purchased the following books Encyclopedia of Consumer Credit Law by A G Guest & M G Lloyd ( Sweet & Maxwell) Volume 1&2

 

Also Consumer Credit Legislation by Goode Volume 1,2,3

 

I have been researching the consumer credit act for a while now and I cannot believe the number of credit agreements which could be rendered as being unenforceable.

 

I sometimes wonder why personal loans need to be on variable rates? is this because they increase the APR when someone dont pay up? mmmmm I wonder.

Another good publication is Bennion Credit Control Loose leaf volumes

 

The only problem with those publications is unless youre a legal professional or very rich you wont be able to afford them, Goode Consumer Credit law and Practice set me back over £900 on its own

 

but they are very good reads

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Sounds like trouble is brewing for Welcome?

 

Can you let us know anything else post? Im about to start a claim against them for financial irregularities. Is it still worth me going ahead?

 

What is the timeline on whatever is afoot?

 

Regards

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just a small tip,

 

If you have a welcome loan agreement which has an acceptance fee on it, then get all the documents together and somewhere within it you will have a sheet which breaks down the payments. in that sheet it will say

 

 

Repayment £xxxx

Acceptance fee £4.05

PPI £40

 

Total monthly payment £216.60 for example

 

now if you take £4.05 and multiply it by the loan, in this case which i have its 180 months, you get the outcome of total acceptance fee payable £810 NOT £235

 

this is also sufficient to render the agreement UNENFORCEABLE

 

 

HTH

 

Hi PT

 

I thought if they had the little disclaimer paragraph on the CCA that say "interest is charged on the total amount of credit outstanding and the acceptance fee" blah blah blah then this was legitimate - that is the response I had when I raised this months ago??

 

Could you clarify

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Sounds like trouble is brewing for Welcome?

 

Can you let us know anything else post? Im about to start a claim against them for financial irregularities. Is it still worth me going ahead?

 

What is the timeline on whatever is afoot?

 

Regards

 

My advice - get your claim in ASAP - once it's in the system thats fine - but if we pull this off there will be a stampede and you don't wanna get caught in that :)

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The best outcome from my claim would be for them to write off my debt and i never hear from them ever again, im not looking for any kind of payout.

 

Andie, i have heard you say Welcome will survive. Is this still the case or has something new come up?

 

I understand you have to keep some things quiet though. :)

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just a small tip,

 

If you have a welcome loan agreement which has an acceptance fee on it, then get all the documents together and somewhere within it you will have a sheet which breaks down the payments. in that sheet it will say

 

 

Repayment £xxxx

Acceptance fee £4.05

PPI £40

 

Total monthly payment £216.60 for example

 

now if you take £4.05 and multiply it by the loan, in this case which i have its 180 months, you get the outcome of total acceptance fee payable £810 NOT £235

 

this is also sufficient to render the agreement UNENFORCEABLE

 

 

HTH

 

Yes, my case, there is an acceptance fee of £75 on a loan term of 36 months.

 

On the statement of price the breakdown for the acceptance fee is £3.44 per month - over 36 months this totals £123.84.

 

Is this the kind of thing you refer to?

 

Thanks :)

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Can someone confirm th address for the compliance dept at welcome please need to get SAR off for my daughter in law only just found out she been having hell with these for months why dont kids tell us when they struggle?

jdene

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Was looking at the info for Welcomes and Lewis Debt Recovery's comsumer credit licences and there is a list of Officer involved in running the companies.

 

There are 2 Right Honourables listed! At least one of these guys had a seat in the House of Lords!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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thanks postggj guess I start again with them then, it takes the fun out of it when you know the wording on thier letters before you recieve them hehehe

at least My daughter in law is more relaxed now she has had a read on here.

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I have recieved my yearly statement from them this morning, I have never had one before and they have down as one of the charges court fee £25 at the end of May I have no idea about this had no notification from any court regarding them? any ideas

jdene

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seems another phantom charge

 

give them a call and demand to know what that charge is for

 

25 quid is a personel visit charge

 

keep it simple on the phone as the can talk the hind legs off a donkey

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Well I just asked the question what is the £25 court fee for and was told he had to ask my account manager then put on some terrible music and left me lol so sad they cant even afford a decent tune on the phones now.

jdene

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I have a question , I have asked it on a differnet thread but didnt really get an answer.

 

I had an original agreement with welcome finance and they re did it when i cancelled ppi.

 

when the worked out new agreement they re did the calculation and i am not sure its right

 

2995

then they added the interest

then they took off the payments i had already made

 

surely they are charging me interest for money I have already paid ?

Case Statistics 13 Wins - 0 Losses

Cases In Progress 2

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Please note that this topic has not had any new posts for the last 3276 days.

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Thank you

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