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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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The Consumer Credit Act.....clarity required?


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You can ask for a CCA at any time, even if the debt is paid off. However if the CCA is defective, trying to reclaim monies you have already paid is very difficult and i'm not sure that i have heard of anyone being successful with this....

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hi is it possible to ask for the credit agreement even though i have paid a lot of the debt off it was a provident account and was collected at the door and entered into books which they kept i have asked for copies of the books but they have not got them i just have to now pay nearly a thousand pounds :mad:

 

 

Yes you can ask for a cca at any time. They may try to say oh you have made payments therefor you admit the debt this is cr*p and should be reported to the oft and trading standards.

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You would put the account into dispute depending on what they send you.......there are many different responses :)

:)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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Hi, This has become a really useful thread and I agree with what all the members are suggesting about putting pressure on our MPS.

 

I've been looking on the forum for a guide to who to compain to when your lender has not complied with a request for a cca or Subject Access Request. As I understand you should write to the Financial Ombudsman, FSA & Information Commisioner & maybe Trading standards. Is that correct and are there some template letter on the forum? Can someone post a guide to this?

 

Thanks GM

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www.howtocomplain.com ........might be your easiest way as it contacts all relevant bodies for you. Might be worth taking a look.

:)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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would i then write a letter to put the account in dispute or what should i say thanks

 

 

Hey there folks.............at last directly from the FOS...see email :

 

"Whilst I have not investigated your complaint in relation to you not believing the debt is enforceable without a signed copy of the credit agreement, this is not a matter which we would generally make a decision on. This is something which would need to be dealt with at court. The only resolution I can provide is for the RBS to bring the debt back in house, and for you to make payments as agreed with them, so the debt will not be passed to debt collection agencies. If you do not want to do this, and want to pursue the line of enquiry in regards to the consumer credit act, then you are entitled to do so.

If RBS cannot provide the signed credit agreement, this does not mean it cannot pursue the debt, or pass it on to debt collection agencies. It means you can argue the debt is unenforceable in court, if RBS decide to pursue your debt in court."

my reply :

"thank you for your reply, please note that the reason for my request for a copy of the original agreement is that I wish to question PPI and interest that was added at the time that the account went into default. I do realise that this matter will have to be settled in court and until I have the documents requested it is not possible for anyone to determine the next step. In the absence of the documents that I am rightly entitled to, the account remains in dispute and as a result I am not required to enter into any payment agreement with RBS. I hope that I have made my position clear.

There is clearly a separate issue, that being RBS using debt collection agencies to intimidate me into making an arrangement to pay an account that is clearly in dispute. I will continue to address that matter as it presents.

Thank you again for your clarity."

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