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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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Smouk, You seem to want to butt in at every opportunity here. in my 2nd to last post would you not agree with any points raised?

You have distorted a few simple facts and chosen to run with the ill-informed media pack's take on it.


Also humour me and tell me what you do for a living? [i don't share your vanity] and hows your credit rating going? [i don't know, don't care TBQH] worried about the future? [My future is looking just dandy BTW] ha ha im beginning to enjoy this :D [strange boy]
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This thread is going downhill fast, and is in danger of being 'locked' which is no good to the op who started it :rolleyes:


Can we please refrain from anymore unacceptable behaviour or anti community spirit.


Thank you.






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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apologies Scott, just trying to help out Joolzy, something Bill & Smouk obviously forgot about.

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Hi, the OPs dilemma has been at the forefront of my mind.

As the DCA is now demanding full payment and has no doubt threatened legal action, the OP has a stressful time ahead. Having offered the DCA a reasonable and affordable sum (by way of a monthly payment) the DCA has refused this and demanded full payment.

Therefore the account (or the arrangement to pay) should be considered terminated.

To gain elligibility to legal enforcement the DCA/creditor will need to provide documents to the OP by way of disclosure.

One of these must be the CCA.

Unless the OP wishes not to contest the legal action.

If there is no CCA, then the OP will be under no legal obligation to continue making payments to this creditor/account. This is elementary law.

Payplan/CCCS/CAB/Insolvency service will not provide this info to the OP.

If the creditor cannot provide this particular document, then the lawsuit will fail.

In that instance, should the OP wish to continue making voluntary payments to the creditor, then that is to be commended.

The law of reciprocation (the golden rule) may prevail also.


As Insolvencyman1 correctly pointed out, there is good and bad advice in this forum, just as there is anywhere else.


It HAS to be the OPs choice to prevent a possible CCJ or allow it. I can only offer my own experience.


I do not wish to enter the moral argument (its against my religion), usury was theft and fractional reserve banking was also illegal, (unless you happen to be a bank!) until recently.



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Dear Joolzy,


This kind of stuff on your thread is totally unacceptable. I suggest you ask the site team (by hitting the red triangle) to delete most of the last postings). It's your thread, and Insolvencyman1's extremely rude comments are not appropriate here. CAG is not about making nasty, sarcastic remarks to other people on this site.


He has been incredibly rude and his last comment: "People who say they don't care about their credit rating usually live in council properties and sponge off the hardworking British public." is utterly repugnant.


This is a SUPPORT network.


And, Insolvencyman1, it's DANIELLA, not Dan, but you know that anyway :)

Edited by Desperate Daniella
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, cause right now your taking advice from people who have pay as you go mobiles and spend most monday afternoons outside the postoffice.


I'd rather take advice from them than someone who has no grasp of English grammar and who feels the need to SHOUT his username. Your/ You're??? And Post Office is 2 words.

Edited by CornishMaid
Don't want to sink too far - please tell me if I've been too rude ??
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im beginning to enjoy this :D


not half as much as we're going to


you're just the latest in a long line of trolls who get their backside well slapped and sent on their way with their tails between their legs,crying for their mummy


what really narks troll boys like you is that ordinary people know the law better than you and can make you look like the complete frozen brains with a personality bypass that you know you are



come on-give it your best shot.....

Edited by 42man
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INSOLVENCYMAN1 - For a supposed insolvency expert, your spelling and grammar leave a lot to be desired.


On top of which, you've given the game away by wittering on about credit ratings and petty insults.


You have nothing further to contribute, and it's best for all concerned if you leave now.

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As an insolvency practitioner maybe you can advise some of the people in this forum ? Formal Solutions: Bankruptcy, Administration Orders and IVAs - The Consumer Forums If you genuinely were an IP wanting to help people out, the first place you'd visit on CAG was there, not 'hang out' on an AIC thread, especially as you state you are in Bath and have a Glasgow postcode !!

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.


DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation






IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.


Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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He's also offered his words of wisdom on Allied International Credit but no-one has taken him up on it. :) Funny it's just these two threads, isn't it?


Lickthewallfatboy: We can always depend on you to put into words so perfectly what we all think about the trolls. Superb! :D



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Smouk, You seem to want to butt in at every opportunity here. in my 2nd to last post would you not agree with any points raised?

Also humour me and tell me what you do for a living? and hows your credit rating going? worried about the future? ha ha im beginning to enjoy this :D


I think you may find that those who dont do anything for a living are the one's having the last laugh..coz the country bends over backwards to help/assist them in so many ways ;)

Everything from getting council tax/rent paid for to getting food/clothes & goodness knows whatelse bought for them.

I can recall when i got made redundant back in 2004 that not only did i have thousands in redundancy money..but the system was giving me all sorts ranging from tax refunds to loads other things..i was having the time of my life :cool:

You do have to have some sympathy with the likes of Insolvency Man who obviously has a high flying career,squillions in his bank account along with a triple AAA credit rating..he's obviously having to work his ass off to fund the lifestyle of you spongers :p

Anyway....just on the topic of credit ratings...i think you'll find that credit files/ratings are not worth the paper they are printed on.

Its nothing but a myth built up by the industry that they actually mean/count for something - just like the DCA industry was built up over so many years on the same myth.

It will always depend on the company in question as to weather you get credit or not.

My credit rating has been minus a squillion for years now & has more marks on it than a whores backside, hasnt stopped me getting approved for things :)

Anyway - the troll has obviously put a bit of life into the forum, hasnt been the same since DWheeler vanished :D

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Yes I can confirm I sent a account in dispute letter recorded delivery which was signed for on the 21st April. Have heard nothing back yet. Can I just say I started this thread for help and advice and not for abuse. I do not live in a "council house" not that it would matter if I did and I have a perfectly respectable full time job. I'm just a normal person who due to circumstances beyond my control now has a debt which i'm happy to pay off but at an amount I can afford. I certainly don't appreciate the quite frankly childish comments and scare mongering. Thanks to those of you who are obviously genuine, to those of you who think all this is just a joke I would appreciate it if you would no longer post on this thread as I don't want it to be locked through no fault of my own. As I said, thanks again to all you genuine people who are helping me. x

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Hi Joolzy,


You are in the same position as so many of us on this thread - we know how easily circumstances can change. Everyone on this site is on your side and no-one is treating it as a joke, apart from ISM. CAG offers serious help. Unfortunately, every now and then a DCA troll appears on this forum and tries to pretend they are a really regular guy, just trying to help, and so on, so they have to be exposed for what they are, laughed at, and told to b***er off. Otherwise they just continue to stay on the thread and frighten the life out of people. He exposed himself as a DCA by all his nasty personal attacks on other posters.


Remember you have a legal right to see that agreement. Why would anyone apart from a DCA imply that you shouldn't want to see it? If it is not compliant with CCA 1974, you will be in a very strong position to choose how much you pay and on what basis. He is trying to imply that everyone on this site is trying to avoid paying - that's not true. The banks/credit card companies have proved themselves to be incredibly unreasonable in so many situations. Equally a number of them have very flawed agreements which mean that the account holder may have been paying far more than they thought they were signing up for.


I am so staggered by what I have learned about the tactics of banks/credit card companies in the last six months. CAG is a real education.


Hopefully he has gone for good now, and you can ask the site team to delete all the posts he has caused and get the thread back on track.


I'm sorry he chose your thread. He shouldn't be welcome anywhere.


Have a lovely weekend and ignore AIC/ISM.


(Hello, Guest. Are you from AIC too? If not, please be assured this is a very friendly forum, and we will stand up for you too against horrible DCAs. Start a thread and you will get the help you need.)



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Thanks DD i'll have a relaxing weekend hope you have one too. I appologise for the rant earlier, it just made me so angry that some idiot like that is still out there trying to kick people when they're down. No more I say, let's fight back.JK

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Hi Joolzy, I second DD.

So long as you have legitimately disputed the account. there is no enforcement option available to the DCA/creditor.

If the DCA is aware that the account is in dispute, they should return it to the OC immediately, and cease collection activity. Chances are that this outfit don't understand English law very well, so consider reporting them to Trading standards if they continue to pursue you.

You could make "without prejudice" payments if you wish, it is your choice. A repayment total greater than 10% of the original alleged debt is profit anyway, so bear that in mind.

Should your alleged CCA magically appear, please ensure that the ink is dry.




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Thanks bill, if anything should appear i'll make sure the ink is dry but nothing has appeared yet, if it does you'll all be the first to know and i appologise again for the rant earlier on i'm just so fed up of all of this. they're called? ankers for a reason

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Joolzy as previously stated these people have, no property, no assets, nothing to live for, nothing to lose, that's why they experiment with various laws to see what they can get away with.

However think about it this way; the banks and DCAs have access to land registry they know what your mortgage is and the know the average value of your property and a rough equity, they even know how much you pay per month on your mortgage and if you have any second charges etc if they feel its worth litigating against then you can guarantee they will do it.





A Bank can file for your bankruptcy for any debt over £750 so your running out of time.


All the best


MODERATOR NOTE- this post was clearly offensive and a direct breach of the site rules, do not post personal attacks on other members. any repeat will lead to account moderation

Edited by pt2537
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