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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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welcome finance - account in dispute - or is it?


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Hi Post

Hope you dont mind but am sending you by email some welcome agreements that i cant seem to make add up. Dont want to go shooting my mouth off if I am wrong - I know you are very busy but please could you look over them for me and see if I am right in what I think?

 

Many Many thanks

electric

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Hi Post

Just wondered if you have had a chance to look over the paperwork I sent you yet?

 

Wondered where I go from here - the Branch is still phoning daily, still chasing for me to VT, and have given me a new Branch Manager.

 

Regards

electric

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I have managed to track down the person whose SAR I received. They do not live in the UK, sent their car back to Welcome 2 years ago and have had no further dealings with them. Why then did Welcome print off their SAR??

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  • 2 weeks later...

Hi all

Dont know what to do. Sent off my letter of harassment ages ago and received reply saying they are allowed to ring me if my account is in arrears. Sent off the non compliance of cca letter and therefore account was now in dispute. Had a letter back saying our letters had crossed in the post, and my SAR had been posted. Had 3-4 telephone calls per day since. Spoke to local branch today who said the dispute had been stamped resolved on my account, and the dispute was the telephone calls. Explained to her about my letter of non compliance - she said she can print off a cca and i can collect it tomorrow and bring my account up to date because the defaults go onto the credit files today. I said she couldnt put a default on my credit file. She said I havent made myself clear in what i meant by a cca and now that i have it there is no reason not to pay.

 

Where do i go from here? do i just carry on paying and do nothing else. I last sent a letter to nottingham on 18th Sept suggesting that they read my letter properly as i was writing to complain about not receiving my CCA and not my SAR - havent heard back yet.

 

confused, fed up electrik

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now why did she say she could not print off your cca

 

until they give you your cca and statement of account,

welcome can bog off

 

saying they are going to default you is rollocks as its in dispute

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Are you going to collect the cca tomorrow from the branch? If you do, tell them you want an up to date statement with it. Take it home and have a good look over it for anything untoward :)

 

I already have a copy of cca that was in with my SAR - not going to branch tomorrow. Trouble is I dont know what i am looking for. Picked up a few things and sent them to post to check out for me.

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now why did she say she could not print off your cca

 

until they give you your cca and statement of account,

welcome can bog off

 

saying they are going to default you is rollocks as its in dispute

 

Hi Post

she said she can print it off for me to collect tomorrow. I have had cca and statement of account in the SAR - sent it to you a couple of weeks ago - have you had time to check it out for me yet?

 

I dont think the branch or Nottingham know if the account is in dispute - unless I havent done something I should. Last thing I did was send a letter from here for non compliance of cca - does this mean i have put the account in dispute? If not, what should I have done?

Thanks for your help

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electric

 

i had a major computer hard drive crash

lost every thing

 

seems you slipped through the net

 

can you re-send please

 

sorry to hear that.

will resend now - to your email address

thanks so much

 

electrik

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electric

 

i had a major computer hard drive crash

lost every thing

 

seems you slipped through the net

 

can you re-send please

 

Hi Post

have re sent all info. Please can you confirm you received ok as i set up new email account to send it.

thanks

electrik

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Dont let them bully you electric, you have rights and they will abuse them if you are not strong with them regarding telephones etc. I was in arrears and made a repayment agreement which was all put in place and then they cancelled it and they cancelled the direct debit for which they charged me £ 25 d/d fee and £ 10 for calling to ask why it had been cancelled...Muppets of the highest order. Be strong with them !!

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Hi all

can anyone tell me what happens if welcome send you your cca request after you have sent them a letter of non compliance and account in dispute?

 

I sent a non compliance letter to Nottingham on 10th Sept, welcome mis read the letter and thought i was writing about not receiving my SAR, so they have not actually responded within the 14 days I gave them in the letter. However, the local branch have said they can send me the cca - what do I do now? They have also said that the dispute on the account has been stamped 'resolved'.

 

Thanks

electrik

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