Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

Head in Sand Syndrome...Please help

Please note that this topic has not had any new posts for the last 3968 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi, I am posting this as I am hoping to get some help and advice on our debts. I have already posted in the Council tax and bailiffs section as they are on our backs also. I thought I had found the solution on Monday, I applied for a loan and realised how stupid I was at lunchtime today, when they said NO! and I had given them my last fifty pound!

I shall try and explain briefly but really we got ourselves into this mess and need to get out of it..... I have no money for Christmas, I have not bought one present for my children yet and can't see a way of being able to do so.



My debts are £2000 to our landlady, our rent is £600 a month, it is due again on 1st January. £2500 Council Tax, Bailffs have levied and threatening to take goods, £1000 mobile bill, they have added the rest of the contract on to it to get that figure as i have defaulted on the contract. Approx 1200 Gas and Electricity to N Power, £1600 Anglian Water. I also got a loan off my Dad last year and he ahs been letting me pay back monthly at £180.00....I have not paid him for two months. Numerous other small ones, like vets bill for 250, ebay £130.00, Provident have arranged a smaller repayment with us, between myself and my partner we owe them approx £2500. They are now letting us payback without interest at the moment but the arrangement will take about 4 years to pay off.


My husband is self employed and had time off in the summer due to illness and an operation, so no money coming in. I am a student nurse, with six months until I qualify, until then I get £600.00 monthly bursary from the NHS. My husband brings in about £175.00 - £200.00 per week and we get family credit too of £132.00 weekly. It sounds like a lot, we dont go out, we never buy anything except food, petrol etc.....all essential stuff. But we never seem able to make the payments on everything and so are getting further and further behind. We have 3 children between 16 - 18 all at college, so have to find bus fares etc, they do get EMa though and help out when they can.


I just cant see a way out of this, its not like we have numerous credit cards and I know it is our fault. We have been like this for years now, barely keeping our heads above water and getting bailed out when it gets too much. I am dreading Christmas and cant sleep at night. Please can someone point me in the right direction .......:(

Many thanks for taking the time to read this

Link to post
Share on other sites



ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be



My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!


Link to post
Share on other sites

Hi Oscar&Emmie,


Whilst my problems are much different to yours, have you thought about approaching the Citizens Advice Bureau?


They would certainly be able to help and point you in the right direction, I would have thought.


I am sure others will come along with further ideas for you, but guess a lot are very busy at this time of the year.


Keep your chin up though, I know it's not always that easy!

Link to post
Share on other sites

your priority is council tax then rent and utility bills

the rest can go away.


just because some bod comes to the door he has no rights at all.


you need to write to all those that as not as above offering £1 £5 £10PCM or whatever you can afford, and then pay it.


your bailiff thread will inform you the best way fwd there, but safe to say, if you can pay something on a regular basis then stuff the bailiff, pay the council direct by internet banking.


it s

your money

you CONTROL it.



please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...