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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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BOS Claim Knocked Back Two years Ago - Can I Restart It ?


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A couple of years ago, I put in a claim for a refund of bank charges against the BOS going back many years. Needless to say they knocked back my first letter. I sent a second letter which they said they would investigate......then a few weeks later they replied saying that had investigated, didn't find any wrong doing, original response still stands i.e. I still got knocked back.

 

I never sent anymore letters after that. A combination of moving house and getting married and before I knew it, everything had been put on hold with the test case, etc, etc.

 

So my question is this.........can I still use my original claim from 2 years ago to pursue a refund once the "claims on hold" rule gets lifted......or do I need to submit a new claim which effectively means I lose 2 years money from what I can claim ?

 

I live in Scotland. My original letter was sent in April 2007 and my second letter was sent in May 2007.

 

Many thanks,

Gav.

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Calculate all of your charges back to 1 January 1995 until now. Make sure you include all the interest that they have taken off you in respect of those charges -- including interest on any overdraft you have to the extent that that overdraft is comprised of charges.

 

Don't worry about the existing claim. Print out your entire schedule charges and send it to the bank and demand repayment within seven days.

 

If they bother to reply at all they will simply attempt to rely on the FSA waiver. That's their own businesses nothing to do with you. That is their own tidy little industry arrangement.

 

At the end of the seven days for your claim into the courts having make sure that you have also included 8% statutory interest.

 

Have a look at our new claims template. It includes a claim for restitutionary damages and statutory interest as an alternative.

 

If you fancy that then use that template. Otherwise take out the part the refers to restitutionary damages.

 

Whatever you do, put your claim in. Put it in now. Put it in with the courts

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