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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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Landlord trying to enforce a court judgement made in 2001


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Dear All,

 

I need some of your wisdom. I was renting an apartment with a colleague in 2000, paying my half of the rent into his account for him to pay it all to the landlord. It was a joint and severably liable tenancy. The long and short of it, he ran off without any payment to the landlord and left us both distraught and the landlor £7k short. The landlord then sought proceedings via the county court to recover lost rent and his solicitors fees. In all the judge asked the landlord to release me from the debt as I was able to prove my payments. However, he held that I was not to be released. The judgement was made in June 2001, that myself and colleague were to repay and we both moved with assurances that my colleague would pay the amount outstanding. He did not pay and I was unaware having moved addresses etc. In all, it is now 2009 and I have just received a letter to my parent's address from the landlord's solicitors threatening enforcement of the debt of the £7k. I am most upset by this. Is this allowed? Is this legal after all this time? What can I do to cease this behaviour? I certainly can not afford the £7k.

 

Pointers very much welcomed.

 

Thanks

 

D.

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My first thought was how did the LL not realise that the rent wasn't being paid until the arrears had reached £7K?

 

I think I have read in this forum that such a debt cannot be persued after six years has transpired, so you may be free. However, I will leave someone more knowledgable than me to confirm this.

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I think that the six year rule may only apply to civil debts, and certainly only applies if there has been no attempt to collect for the 6 year period. For 7K it's worth considering proper legal advice.

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A claimaint has 6 years to bring a claim based on simple contract; this means he has up to 6 years to get a ccj.

 

A ccj can only be enforced after 6 years (I think) with the agreement of the court. It is not automatic.

 

This means that if a claimant pushed it he could be after you for roughly 12 years, depending on the actual dates (there could be a year between the n1 and judgement for eg, which would take it nearer 13 years).

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Given that that after 8 years they have still not enforced it, I am tempted to just leave it until they write to me at the correct address and the court have backed the enforcement. At such time, I guess I will have to make an arrangement with them to pay the monies (although morally not in agreement). Is this a recommended approach?

 

Legal stuff heh! I was just worried that a CCJ would be just reapplied to my credit file.

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