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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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hi traz

 

it means welcome are in big trouble

they are trying to get a standstill agreement, this means trying to get the bond holders etc to lay off the preasure

 

now cattles invoice finance has gone, cattles have nothing left that makes any money

 

the bond holders want there money back and my feeling is they will say no way jose to a stand still agreement

 

its going for the throat time now me thinks

 

told you once cif went it would be quick

 

loving it:-D:-D

 

guests are about a bit early

 

did not realise welcome still had that amount of staff left

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Hiya Postie,

 

Not too much been going on in your absence except that I have informed Watchdog and Dom Littlewood of this huge thread.

 

Nite

 

Voda

 

Hi Voda - On Breakfast TV this morning Angela Rippon, Jenni Bond and Gloria Hunniford were talking about a new program they are filming, which will be aired on daytime TV in November. It is called Rip off Britain and they are looking for stories to investigate. I just thought you might like their contact details.

 

Rip-Off Britain

Here's how you can get in touch if you want the team to investigate on your behalf.

- The email address: 'ripoffbritain@bbc.co.uk'

- or write to: Rip off Britain, PO Box 4360, MANCHESTER, M61 0DY

 

I am kind of hoping Welcome will be no more by then but who knows they seem to have more lives than a cat.

 

On another note Welcome have sent me a default notice this week even though they agreed to not chase us for payment pending the outcome of our FOS complaint. They have really hacked me off now. Even though it is your standard mickey mouse default notice it has scared me a bit as ours is a secured loan.

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Hi,

Could someone please clarify the time for CCA request to be done.

We hand delivered on Monday 07/09/09.So do they have until this Friday to reply or will it be Monday.

 

Thanks

Dawnx

do again

Edited by postggj
crap
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a cca request is 12 plus 2 days for service

you can put an account into dispute after this

 

if it was the 7/09/09

 

the date would be by close of biz today

 

16/09/09

 

you can now legally with hold payments if you wish

 

Sorry Post but that is only nine days:grin:

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its the 21/09/09

 

thats 12 plus 2 from receipt

 

Thanks LOL......would that be midnight or on that day:) as will be asking today to collect it. Don't want to be too eager.

 

And I still think you are Fab:grin:

Dawnx

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it will be close of biz

 

so go gun in hand on the 22/09/09

 

six guests

 

lucky me

 

no notingham

i have not released it yet

 

want to savour the moments

 

Ok.Thanks Post...I will give them a call today to say we will be collecting on Tuesdsay first thing.

Dawnx

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Ok.Thanks Post...I will give them a call today to say we will be collecting on Tuesdsay first thing.

Dawnx[/quote

Just decided...Am not going to ring them (Why warn them).....if they havn't supplied the CCA by Monday night I will just put the account into dispute by hand delivery on Tuesday morning.

 

Dawnx

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Who out there are sitting, hanging on the small chance that Cattles, or more specifically Welcome, will just dissolve like Asprin and all hp, personal loans and debt will simply be written off?

 

Living in copious amounts of hope..

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There IS some interest from a company wanting to buy the ill established huge debt along with the millions of customer agreements that will be found to be unenforcable resulting in hourly court battles for the next 6 years and the write off of hundreds of millions of pounds of agreements and equity.

I think the company was called Mug Financial Services!!

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I may put in an offer myself. £10 should have them biting my hand off.

then I will donate the company to CAG to do with as they see fit.

I'll just get my cheque book.... oh wait. Welcon seem to have cleared me out of cheques already!

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I may put in an offer myself. £10 should have them biting my hand off.

then I will donate the company to CAG to do with as they see fit.

I'll just get my cheque book.... oh wait. Welcon seem to have cleared me out of cheques already!

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The request for CCA was hand delivered to this office last Monday 07/09/09.and signed for.

 

DawnyTrish, as Post says the fact is you served them a request on a date, it is irrelevant who is or isn't on holiday, as a "big" organisation it is up to them to arrange themselves to deal with your request.

 

However, they have 12 working days for compliance, so by my reckoning that gives them until next Wednesday, 23rd September to respond to your request before they enter a default situation.

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Just decided...Am not going to ring them (Why warn them).....if they havn't supplied the CCA by Monday night I will just put the account into dispute by hand delivery on Tuesday morning.

 

Dawnx

 

However, they have 12 working days for compliance, so by my reckoning that gives them until next Wednesday, 23rd September to respond to your request before they enter a default situation.

 

Dawn, as per my response above I personally would wait until Thursday before delivering that letter (at least it's still in time to not have to pay them on Friday!).

 

And Iain learns to read the whole thread before replying to an earlier post!

Edited by IainHL
Add the lesson learned.
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Dawn, as per my response above I personally would wait until Thursday before delivering that letter (at least it's still in time to not have to pay them on Friday!).

 

And Iain learns to read the whole thread before replying to an earlier post!

 

It's usually paid on a Tuesday so it will have to be paid and then as you say take the letter in on Thursday....after all it may be the last time it has to be paid for a while if they don't produce the CCA.

Thanks for your reply.

 

Everyone on here is so helpful.

Thank you

Dawnx

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Please note that if the customer instructs their bank to stop either rolling credit card or direct debit payments the bank or credit card company MUST comply Please don't accept any nonsense to the contrary. Put your instruction in writing pointing out that if they fail to comply you WILL hold them liable for any losses

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Please note that this topic has not had any new posts for the last 3271 days.

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