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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.
       
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      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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New Lowell Case Help Needed


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HI, new to this group

 

I have letters from Lowell chasing for £1600+ on behalf of Capital One. I wrote to them two weeks ago requesting original credit agreement and proof of the amount due to which i have received a reply asking for more time.

 

Now, out of the blue, they have sent another letter asking for £1000+ for a debt with egg. I have no account with egg and the previous address they have supplied is not one of mine.

 

I feel as though i don't have the patience or the knowlegde to deal with this company and any advice would be great.

 

:confused:

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Hello and Welcome,

 

Regarding your Cap 1 account, do you have any charges you can claim.

 

For the Egg account, send them the 'prove it' letter.........

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

**Edit to suit**

 

Remember, send recorded and don’t sign the letter.

 

 

 

 

 

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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C'mon Sam, this is just up your street :D

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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HI, new to this group

 

I have letters from Lowell chasing for £1600+ on behalf of Capital One. I wrote to them two weeks ago requesting original credit agreement and proof of the amount due to which i have received a reply asking for more time.

found you:)

they have had their time,send them this,recorded,print name don't sign.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

put it in dispute.

 

depending on how old the card is.it's capital 1.lowell won't have much chance of getting it anyway.

 

when did you last pay on this card?

Now, out of the blue, they have sent another letter asking for £1000+ for a debt with egg. I have no account with egg and the previous address they have supplied is not one of mine.

 

I feel as though i don't have the patience or the knowlegde to deal with this company and any advice would be great.

 

:confused:

 

SAM

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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C'mon Sam, this is just up your street :D

 

 

:lol:me knows,thats why I suggested a new thread.:p

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Thank you,

 

In a nutshell, i had a gambling problem which i managed to overcome by May 2003. At that point, i had 6 or 7 credit cards and a bank loan to my name. all credit cards where up to the limit and had no way to pay anything back.

 

I dont know where i stand with most of them except the bank loan which i paid off in full. I had so many different companies sending me letters, eventually i made a stupid decision to throw away every piece of mail i got in the post unopened.

 

My stepdad told me when i moved into my own home not to tell them about changing address and they will go away (clearly bad advice but i did it anyway).

 

At this point, i don't know who i owe to, who owns what debt and who i should be paying but i want to make it clear that i have no intention of avoiding whats due i just need help to get myself sorted.

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Thank you,

 

In a nutshell, i had a gambling problem which i managed to overcome by May 2003. At that point, i had 6 or 7 credit cards and a bank loan to my name. all credit cards where up to the limit and had no way to pay anything back.

 

I dont know where i stand with most of them except the bank loan which i paid off in full. I had so many different companies sending me letters, eventually i made a stupid decision to throw away every piece of mail i got in the post unopened.

 

My stepdad told me when i moved into my own home not to tell them about changing address and they will go away (clearly bad advice but i did it anyway).

 

At this point, i don't know who i owe to, who owns what debt and who i should be paying but i want to make it clear that i have no intention of avoiding whats due i just need help to get myself sorted.

 

Hi Bundz

 

Throw letter's away...'ouch' but at least you know now.

Your in the right place help and advice will be along soon.

Good Luck

 

Mr W

Regards..Mr Worried :)

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have you payed anything on any cards since 2003?

could any of these be statute barred?

 

lets get you sorted with the ones that you are been chased for now.

if you dont have any details of the others,let it lie,untill someone writes and then we will deal with them.

 

send the out of time,indispute to lowell,about the crap 1.

 

send the prove it.that maroon has put for the egg.

 

if you want to pay,whats due.on your debts.thats up to you.

as long as they are not statute barred by now.or at the correct amount,and enforcable.

 

the egg one. is not yours.so tell them so.

 

you should not have to pay lowell on the cap one,without a cca,if you wanted to pay it morally.at least we can get it checked for any interest added.and get that removed.and get a big reduction from lowell.more fitting in line with the peanuts they payed for it.

 

SAM

  • Haha 2

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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I have definately made a minimum payment at some point between 2003 and 2005 to capital 1

 

I do not have any savings or rainy day money to pay debts on a moral basis, only if they are correct amounts and enforceable

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[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

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I have definately made a minimum payment at some point between 2003 and 2005 to capital 1.

 

so it is not statute barred. but lowell still have to obtain your cca.

 

card has to be at least 6 years old.;)and long since been lost in archives.so can't see lowell getting it.

 

lowell should now go away.or made to:D

egg one is not yours

so thats 2 down and gone.:)

 

 

I do not have any savings or rainy day money to pay debts on a moral basis, only if they are correct amounts and enforceable

 

you don't have to pay lowell or anyone else,who may come out of the woodwork.on a moral basis.

IF any turn up later.that are enforcable,you will be helped all the way with them.you tell them what your repayments will be.

and don't forget the longer they take to contact you.the closer to being statute barred.

 

get both letters off to lowell.see what they come back with.

SAM

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Subbing :cool:

 

About to send my own CCA off to Lowells for a Littlewoods ridiculous charges and interest debt which they have now 'acquired'. I only have a box number 172, leeds ls11 9ws, is this ok for correspondence?

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Subbing :cool:

 

About to send my own CCA off to Lowells for a Littlewoods ridiculous charges and interest debt which they have now 'acquired'. I only have a box number 172, leeds ls11 9ws, is this ok for correspondence?

 

 

p o box is usually ok.

 

or try

 

lowell group

enterprise house

1 apex view

leeds

LS11 9BH

 

SAM

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Re Egg 'debt'

 

Got a letter from Lowell, enclosing a letter from Egg which confirms that they have transferred the rights and the account to Lowell Portfolio

 

The letter from egg is odd because it obviously hasn't come from egg, both peices of paper have similar printed marks to suggest Lowell have produced both documents.

 

Anyway, the egg letter doesn't tell me anymore than i already don't know?!?

 

I cant tell whether they have written this after receiving my letter or before, should i reply?

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I got similar, 2 letters in 1 envelope (keep the envelope by the way) from both the OC and the DCA/Solicitor and apparently that is not allowed. Wait till you get response to your CCA (£1) request and then you need to check the dates of assignment in your SAR (£10) if you've requested it! A debt can't be assigned whilst it's in dispute:eek:

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Hi guys,

 

Two letters received yesterday from Low-well i never

 

First one - re capital one :- thank you for your letter blah blah, we confirm your account is on hold until we can dig out your cca. We will however keep writing to you with updates, is this ok?

 

Second - re egg :- thank you for your letter, we confirm that no further action will be made on this account until we can provide further evidence

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Hi guys,

 

Two letters received yesterday from Low-well i never

 

First one - re capital one :- thank you for your letter blah blah, we confirm your account is on hold until we can dig out your cca. We will however keep writing to you with updates, is this ok?

 

Second - re egg :- thank you for your letter, we confirm that no further action will be made on this account until we can provide further evidence

 

They need to come up with something within 14 days or the account is in dispute and they cannot take any further action on it, bad credit reports, charges, interest, etc. Keep an eye on the calendar and then send them the account in dispute letter :cool:

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Help Needed,

 

Have received another letter from Lowell this morning, enclosed is a photocopy of the credit agreement with capital one

 

It's signed and dated by me and all the details are present and correct

 

Lowell now expect payment in seven days

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Can you scan the agreement and post it up? (minus personals of course)

 

If you want to get a copy of your credit file, go to the Experian website

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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