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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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NCO Europe - Payment arrangements

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Hi there,


I stupidly put off a payment to Paypal to resolve a negative balance and subsequently NCO are now after me to recover the money.


I phoned them up and paid £20 off the debt (£184) in total and agreed to pay the remainder on my payday, this is however looking bleak as its looking like I'm not going to be able to afford it.


Would a company like this be sympathetic at all and accept maybe 3 or 4 installments to settle the debt?


I would appreciate any input on this,


Thanks :)

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Well initially I'd ask them to substantiate the debt, but I'm assuming you want to pay it from your post. In which case I would TELL them how I intended to make my payments, how much, how often etc. and ignore any nonsense from them after that.


Mainly you need to not panic about this :)

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I get really worked up about these things, I have aspergers which can mean I forget very easily, and totally inadvertently about what I owe. I just hope they can understand from my point of view that paying in one lump is too much.


Thanks for your advice, I shall let you know the result after I ring them tomorrow :)

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Okay thanks for all your advice so far, its giving me a clearer picture of the process.


They have set up a payment to leave my account via debit card on my payday, are they legally obliged to cancel this upon my request?

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Okay I'll speak to them first, if they refuse I will block the card, and make all further correspondence by post.


Do I literally just need to tell them what I can afford to pay and thats it? or can they if they so wish demand full amount and leave me with no choice?



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And can't demand anything, so the requiring some form of payment in 7 days or further action will be taken threat is... empty?

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And can't demand anything, so the requiring some form of payment in 7 days or further action will be taken threat is... empty?


The further action they would take would be to send a nasty letter - who cares!

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Didn't know that.


There is a way with these monsters, and I thought I was totally doomed!


Thanks once again, I'll keep this updated with whats going on :)

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Cancel your card today !!!!!


I had the same thing with NCO. They called me and demanded I pay up (about £60) I told them they were not going to get a penny and to not waste anymore of there time. Its paypals problem and not mine, they gave the refund not me.

They called twice and I have no heard from them since.


Your problem is you have already given in once and paid up and they will prey on that weakness.


All they do is call a few times and send some threat letters, they really are not worth the time to be bothered by them. Just ignor the fools.



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Hi guys,


I phoned NCO today and they seemed surprisingly accommodating. I offered to pay back £40 a month and they were fine with it, I have been told it has been put in the system and I'll receive a phone call on payday for the money.


Now... is this totally legitimate or are they still going to attempt to take the money...?

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