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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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red debt collection help please


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hi everyone,

recieved this letter today from red regarding a debt i have with capital one,

 

dear mrs *****

 

ref no*******

original creditor. capital one

balance outstanding. £630,71

 

SPECIAL RECOVERIES UNIT

 

our client has asked us to offer you a reduced settlment figure in order to close this outstanding account before we proceed with further action.

 

we would therefore like to offer the following

 

 

BALANCE OUTSTANDING £630.71

DISCOUNT AMOUNT £315.50

NEW BALANCE £315.21

 

thissettlement is only available for a limited period only.to arrange repayment or discuss in more detail please call the number below.

 

if we do not recieve communication within 7 days we will recommend to our client further action be taken against you.

 

 

now i have never paid anything towards this debt,never acknowlged it and its is over 6 years old, i have moved house 3 years ago and have not had anything regarding this debt in the last 6 years,

 

what would be my next move ?

 

thanks in advance

 

sara x

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I believe this debt is now statute-barred under the conditions you describe, although I am sure someone more qualified will be along to confirm this shortly :)

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Scott you beat me to it!!!!

All comments are well meant but i am not legally qualified only CAG educated:D

 

 

In the slight chance i have been helpful please click the scales:)

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you have three choices really

1) Use letter 'M' - Creditors and DCAs - Letter Templates & Budget Planner

 

2) CCA them, Use letter 'N' from above link

 

3)Use something like this if it applies

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

 

 

(Your Name) Print do not sign

 

 

Jogs

 

All beat me too it

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Just to let you know that if you get some rubbish letter from hamptons legal in the mean time its just the same muppets:p

All comments are well meant but i am not legally qualified only CAG educated:D

 

 

In the slight chance i have been helpful please click the scales:)

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Or option

 

(d) Do nothing .

 

Thats what these offers for a limited period are for, to get you to contact them. I'd file it away and do nothing til they commit themselves further . Replying to their very first contact shows you are phased by their letters . That will get them thinking you are a good candidate to start phoning up. No, disregard and indifference is the way to go. They are probably out with the fishing rods again anyway.

Edited by Rahl
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Hi,

 

I think, as far as I am aware that for a debt to be Stat Barred then you must NOT of had contact with regards to this debt in 6 years.

 

So for eample if you spoke to the client, whoever provided you with credit 5 years ago, be it on the phone or written communication then they can still pursue you. And obviously from this letter, it will be a further 6 years.

 

Now you said you have never paid anything or acknowlged but do you owe this balance? If so then it would be worth at looking to pay this off.

 

However, you could request a Copy Of Agreement to proove you took the credit out. If they do provide you with one i would suggest repaying the monies owing.

 

If they cant, chances are that thet are unable to obtain one and i am almost certain they could not pursure you anymore, legally anyway. Just claim you cannot remember taking anything out with capital 1 and want proof.

 

Hope it helps,

 

all the best!

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just quick update, i have today recieved a copy of my credit report, puzzling as it does not contail any information about any defaults of any mention of cap 1 credit card, everything on my report is fine.

whats that all about then? can anyone explain

thanks in advance

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Definition of troll - one who perhaps gives advice from the DCA perspective i.e. they are one and the same who occassional visit this forum and provide incorrect advice. Namely if you have not achknowledged or paid a debt within 6 years then it is Stat Barred. Also why would you make any payments without a copy of the CCA. Sorry perhaps it is me being synical. Perhaps one of my more experienced collegues would like to comment.

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Hi,

 

I think, as far as I am aware that for a debt to be Stat Barred then you must NOT of had contact with regards to this debt in 6 years.

 

So for eample if you spoke to the client, whoever provided you with credit 5 years ago, be it on the phone or written communication then they can still pursue you. And obviously from this letter, it will be a further 6 years.

 

!

You are totally wrong. A debt is Statute Barred if no payment or WRITTEN acknowledgement of the alleged debt has been made for a period of 6 years (5 in Scotland). Once a debt becomes Statute Barred nothing can be done to UN-Statute Bar it. The debt still exists but is totally unenforcable. If after you inform Red/Lowells the debt is Statute Barred and you will not be paying it they are in clear breach of OFT Guidelines on the collection of debt and must be reported if they continue to demand the money. Lowells/Red Debt purchased a shed load of old CAPONE debt which if it is not Statute Barred is totally unenforcable due to the application form not having the Prescribed requirements on it. Red Debt know this very well hence to seemingly generous discount.

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thank you all so much for your excellent advice, im not going to pay those **** bags, and i know that the debt is over 6 years old. i think the original debt was £200 so over £400 are charges, robbing barstewards.

 

im just going to sit tight for the time being see what the next letter brings.

 

sara x

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