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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.
       
      • 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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Cabot and cahoot debt


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There is no way of knowing what they will send. Once you receive whatever it is, you can scan it onto here and we will take a look at it and see if it is likely to be enforceable or not.

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True copy means a copy of the original... surely ? They would not send you the original, this would be very stupid of them!

 

Are they telling you that they may not have the original? Could be interesting if it goes to court... makes it harder for them:)

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  • 2 weeks later...

Hi, received this document this morning, is it enforceable? I can't see a credit limit on it? removed attachment

Edited by IdaInFife
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LilythePink

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Bump sorry for bumping twice, but can someone have a look at this agreement. please

LilythePink

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Hi Lily,

 

 

I thought i had already posted, sorry.

 

 

can you confirm if the account was already 'active' and this agreement was for a transfer of creditor?

 

ida x

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Hi, received this document this morning, is it enforceable? I can't see a credit limit on it removed attachment

 

I'd re-scan and remove your address FULLY - it can be made out! For your own protection x

Edited by IdaInFife
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I've removed the attachment Lily re above post

 

thanks RW i didn't notice it myself

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Hi Lily,

 

 

I thought i had already posted, sorry.

 

 

can you confirm if the account was already 'active' and this agreement was for a transfer of creditor?

 

ida x

 

 

can you answer?

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Can you give any background on the history of the credit card ?

 

When was it applied for ?

 

Was it a conversion of another credit card ?

 

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It was applied for back in 2000 or so it says on the agreement. and no it wasn't a conversion of another credit card. thanks

LilythePink

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what i meant was that, to me, it looks a tho you already had a cc/bank account and this was transerred to another lender to take over.

 

ida x

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Oh Right, no not that I am aware of. THis was the cca reply that dlc sent to me. Original cc account with Cahoot???;)

LilythePink

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it looks ok

 

any default notice?

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Hi

 

Sorry to butt in here, but I am paying DLC for a debt that was originally with HFC Bank. I was paying Payment Protection until I defaulted. is this something I could claim back? I'm hearing alot about people claiming back charges etc but I don't know what to do about it.

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go to here book :

 

Payment Protection Insurance (PPI) - The Consumer Forums

 

and start your own thread there having a good read at the stickies and others threads

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I can't remember, it was back in 2003

 

I can't see a credit limit on it, to identify this account, I had 13 cc and loans so I have been on a dmp from 2002/3

Edited by Lilythepink

LilythePink

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it says the will determin your credit limit which is ok

 

 

maybe time to do a sar to check for any charges and try and get a copy of the default and termination notice

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ok it is enforceable, but they should not be able to keep doing searches on my credit report and put another default on the account, when Cahoot had already put up on it more than six years ago, and it has dropped off my report.

They are also saying I have defaulted on my dmp, which Payplan runs for me, which I never ever have defaulted on:mad:

LilythePink

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  • dx100uk changed the title to Cahoot debt and cabot - DLC going to go legal to get my shared property
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