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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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Refused Loan - High salary, high savings


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Hi, wonder if anyone can shed some light on why i have had a small loan refused.

 

I have just tried to take a 7k loan from the nationwide, via their online banking. As soon as i hit submit on the final form, i was told on the next page that the loan was refused.

 

I have savings that can cover loan several times over, my salary is quite good and i have never had a dept problem.

 

Can anyone shed any light on why this may of happened?

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Perhaps their website was playing up.

 

I'd send for my credit report from Equifax and Experian if I were you. You might be surprised what you find.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Hi, wonder if anyone can shed some light on why i have had a small loan refused.

 

I have just tried to take a 7k loan from the nationwide, via their online banking. As soon as i hit submit on the final form, i was told on the next page that the loan was refused.

 

I have savings that can cover loan several times over, my salary is quite good and i have never had a dept problem.

 

Can anyone shed any light on why this may of happened?

 

Why would you want to borrow money, when you have savings? Thecost of borrowing is going to more than your savings will earn

Consumer Health Forums - where you can discuss any health or relationship matters.

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Have you moved home recently? If so, then you could have been refused the loan as you could not be located at the new address. Alternatively, are you associated financially with anyone else who may have an adverse credit file? The easiest action is to phone the Nationwide and ask the reason for the refusal!

 

MortgageTalk

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Hi, My son's girl friend had the same problem a few weeks back, asked for a £7,000 loan and was refused, has a really good job, money in the bank, and creditcards with no outstanding balance on them which total £6,000

She asked why she had been refused and she was told that she had to much credit all ready, algthough she had not used the credit. It was showing up as too much available.

 

Just to remind you that when you do apply for any loans it will show up on your credit file, also , if you keep applying with different companies, it will look like that you are desperate for the loan.

 

Regards

Lynn

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Gizmo 111, Spot on , i def thinks there has to be a shift of attitudes and get away from borrowing everytime we need something .The days of cheap finance are over and we are all in for a big shock.

MANC 1

 

 

PL.jpg

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Why would you want to borrow money, when you have savings? Thecost of borrowing is going to more than your savings will earn

 

The cash is for a mortgage deposit, the way things are panning out, i'll need 50% :(

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Hi, My son's girl friend had the same problem a few weeks back, asked for a £7,000 loan and was refused, has a really good job, money in the bank, and creditcards with no outstanding balance on them which total £6,000

She asked why she had been refused and she was told that she had to much credit all ready, algthough she had not used the credit. It was showing up as too much available.

 

Just to remind you that when you do apply for any loans it will show up on your credit file, also , if you keep applying with different companies, it will look like that you are desperate for the loan.

 

Regards

Lynn

 

I called the Nationwide, they said it was because of my late credit card payments... Being a lazy git, ive often missed the payment by a few days, but I always pay the amount off in one go... So seems a bit stringent on their part.

 

I spoke to the guy at NAtionwide about this and he said it was reasonable to assume that i'm being penalised for all the loans that had been given previously to any tom-dick or harry. They are tightening their belts.

 

This is going to have a huge effect on the economy if its happening accross the board.

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But it would make more sense to borrow off yourself and pay back interest free.

When you apply for a mortgage the amount you owe will be taken into account anyway, and will reduce what you can borrow.

 

What do you need the money for?

Consumer Health Forums - where you can discuss any health or relationship matters.

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What do you need the money for?

 

A car :-)

 

Ive just done a credit chec on myself and the problem appears to be that im not active enough with credit and need more credit cards... So i just applied for a couple.

 

I thin im too low risk :-s

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It might be worth you trying Barclays, my credit card had come to the end of the 0 apr and I had tried two other places and they had said no (I too have no late payments and keep finances in order, albeit no savings though) and they agreed a card with 0 apr for 14 months.

Me

A&L - Overdraft / Charges On Hold £300

 

Mum v's the DCA

NatWest. No CCA - For around 6 months no DCA has chased for this amount :D

MBNA. No CCA - First Court Claim :( Panicking. Just about to start the small claims

Lloyds TSB. Overdraft / Charges On Hold Waiting for test case

 

Sister

Halifax - No CCA. Keep getting the man and his dog chasing, again the 'go away' letter is sent :p

M&S - Have CCA. Nothing for 2 years from anyone?! :)

Argos - No CCA or DCA involved for over 2 years now :)

Next - No CCA or DCA involved for over 2 years now :)

4 x Others accepting token payments of £1 as CCA in place.

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