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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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Studio - claiming back charges, help please *** WON ***


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Hi

 

i've had an account with Studio cards for about 8 years. It was opened when i was at university. My mum took it over but as it was addressed to me she was often late with payments adn so has icurred at least £400 worth of late payment charges. I don't beleive there is a valid credit agreement either but the outstanding balance is about £360 so a charges refund would clear the balance. I want to write to Studio asking for these charges to be refunded - is there a template letter for this purpose. I have already recieved a statement of charges from them.

 

Unfortunately as the account was opened in my name all of these late payments have been registered on my credit file. I have also noticed that they have marked 'arrangement' on my file - what does this mean?

 

Any help would be much appreciated.

 

Thanks

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hiya,

 

just follow the same template letters as the back charges and just edit the letters to suit:

The Consumer Forums - Bank charges templates (consumer)

 

 

arrangement means that there is a payment arrangement in place ( not paying the full montly payment required)

 

ida x

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  • 3 weeks later...

Just a quick update : i sent the letter requesting that charges be refunded and quickly recieved a response saying 'OK'!!!!! All £460 refunded just like that. Will be donating to this site and getting busy with lots more letters!

 

Thank youloads for your advice.

xo

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Great news and well done...

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

 

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DFF,

 

I am having the same problem with Studio, I was just wondering did you just send in a basic letter asking for them to refund all the default sums?

 

If so I am on it as they have been charging me for months because I am unable to pay the full amount and its getting ridiculous, pretty sure they have no signed CA from me either so if they really start they will be screwed because I just won't pay it lol

 

Lucy

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Hi Lucy

 

i sent the letter as suggested by Idainfife - link near the top of this thread and adjusted it to suit. Basically the letter said the the default sums were unlawful and that i wanted a full refund - i was surprised they agreed straight away though - thought i would have a fight on my hands.

 

Let me know how you get on.

 

Best wishes

DFF

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Hi Lucy

 

i sent the letter as suggested by Idainfife - link near the top of this thread and adjusted it to suit. Basically the letter said the the default sums were unlawful and that i wanted a full refund - i was surprised they agreed straight away though - thought i would have a fight on my hands.

 

Let me know how you get on.

 

Best wishes

DFF

 

I sure will let you know, I think what the charge is outrageous, I can stomach a few quid for being late but 20 a pop is absurb and because I have been late for a few months as I have been on maternity leave and have no take home pay (not been with the company long enough to qualify) its stacked up, not really that sure how much they have charged me altogether, my ask them to give up that information..

 

Anyway congrats on your result not often they give up it up with one letter..

 

Lucy

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  • 2 weeks later...

Hey

 

I just wanted to let you know I sent the letter to Studio about the charges and they looked at my account and have refunded me £120, ok credited it to my account but its still 120!!!

 

Small victory but it all helps esp with Xmas fast approaching :)

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Hi hazyeyes

 

well done, congratulations! I was in the same position as yourself when i took maternity leave - just missed the occupational maternity pay by less than two weeks!!! I have to say i was a bit peeved when i realised.

 

Get writing to all of your creidt accounts - i'm now on a mission!

 

All the best

DFF

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  • 2 weeks later...

I pretty much did the same just adjusted it to studio, they where pretty good was shocked that they just did it on my first attempt, although they said they was doing it as a gesture of goodwill, which is normal anyway they don't like to admit anything!

 

LOL

 

Let us know how you get on, sure you will have the same success as the both of us :)

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I clicked on the link and it brings uploads of templates which 1 would suit best please:)

 

I'll get it written tonight then ;)

 

And cause I'm now dissputting my account with them they have said they've passed it on to Moorcroft should I be worried lol as Studio couldn't produce a signed agreement so Moorcroft won't be able too!

 

Studio said they don't have to produce this agreement so if they can't produce it how can they be adding charges on all the time?

 

They are begining to get on my nerves lol

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I sent Studio a CCA letter with a £1 postal order. In response they sent me a form filled in with my name and address but not the address I was living when I opened an account with Studio. The £1 was credited to my account. I then sent Studio an SAR and a postal order for £10.00 and also asked for details of the PPI payments. Again the £10.00 was credited to my account. Studio sent me a print out of my account from which the total of PPI payments came to £1,108.95 and default charges of £280.00. I asked Studio to refund me the PPI payments and default charges. Studio wrote back very quickly to say they have refunded the £280 charges as a goodwill gesture but didn't mention at all the PPI payments. Has anybody else had problems with PPI refunds?

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Hi

 

sorry - i haven't had any experience with studio and ppi - i'm definitely not an expert on any of this as i'm acting on the advice of the experienced members on here but i would suggest writing another letter regarding the PPI only - sometimes when you have more than 1 request/query in a letter they conveniently forget to act on all matters in hand. I would inform them that you have already written to them regarding this and therefore expect a speedy resolution.

 

Best of luck

DFF

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Hi

 

sorry - i haven't had any experience with studio and ppi - i'm definitely not an expert on any of this as i'm acting on the advice of the experienced members on here but i would suggest writing another letter regarding the PPI only - sometimes when you have more than 1 request/query in a letter they conveniently forget to act on all matters in hand. I would inform them that you have already written to them regarding this and therefore expect a speedy resolution.

 

Best of luck

DFF

 

Thank you for your help. I have written to Studio regarding the PPI payments so will wait and see what rep;y I get back.

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incase you need it scanjet

Payment Protection Insurance (PPI) - The Consumer Forums

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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