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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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Eversheds Debt Collectors. Please Help!


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I hope someone can give me some advice...

 

I have a loan with Northern Rock, but on Friday I got a letter from a company called Eversheds stating that the loan had been passed onto them and that I needed to pay £7900 by 2nd April :eek: I have been sick with worry ever since, especially because the letter threatens that debt collectors may come to the house if I don't pay up. It's not even my house, it's my parent's!!

 

I lost my job in November and so my loan payments suffered because of this. I'd been making £30/£50 payments to NR instead and I thought they were aware of my financial situation. I've had no letters or calls from them to say that the debt had been passed on etc.

 

I really don't know what to do. I don't want to deal with the debt collectors. I don't trust them. I had a call this morning and it was automated. "If you are Miss W press 1" which I did and the line went dead. I did 1471, but all I got was a dead line. I had a call again at lunchtime, but there was no-one there when I answered.

 

Should I ring NR about it? I can offer to make them another small payment of £30. But until I'm working again I can't offer much more as I only have my Job Seeker's Allowance of £60.50 pw to live off at the moment. :( It's so distressing. I don't want to be in this situation. I want to be able to pay my debt.

 

Please help. I'm very worried and the butterflies are so bad in my stomach it actually makes me want to be sick!

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First of all don't worry! Eversheds, like every other DCA, have no rights to demand anything from you - it's all threats and intimidation. As you are on JSA, you could offer them just one pound a month. They have no powers to make you pay more than that, only a Judge can order what payments you make (and as you are on benefits, he would order a pound a month).

 

Eversheds won't like it - but YOU pay what YOU can afford, not what they tell you.

 

You could always send a CCA request to demand to see the original agreement you signed. See here - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

You need to send letter N, enclose a pound postal order and PRINT do not sign your name. They have 12+2 days to reply and to send you a true copy of the original agreement, which must contain certain prescribed terms to make it enforceable.

 

If they fail to do this, then you can put the account into dispute and then the ball is well and truly in your court.

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:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Also, you can send them the following letter (keep a copy by the door on the very, very slim chance that someone makes an appearance). This threat of someone coming to your house usually amounts to nothing. They use fear tactics to try and make you pay - you are in good hands now you have found CAG :)

 

Dear Sir/Madam

 

Account Ref xxxx

 

Please be advised that I will only communicate with you in writing.

 

Should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Yours faithfully

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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