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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.
       
      • 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!
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Cabot Financial again!!!


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Happy new year to you all,

 

Having some problems from Carbot, they are chasing a debt that i am saying is statute-barred as i have not heard anything from the creditor during the relevant limitation period of 6 years.

 

 

Recieved a letter this morning that reads as follows.

 

You've stated that your outstanding balance is statute-barred because the course of action in this matter began more than six years ago.

The debt was last acknowledged by payment of £75 on the 2 October 2002.

 

Therefore our right to recover the outstanding balance on this account is not statute-barred and we can take action through the courts to recover the outstanding balance, including all interest accrued since 27/3/03.

 

Now i am sure October 2002 as over 6 years ago, hence why i am saying the debt is staute-barred. Am i missing something here, if so any advice would be appreciated.

 

Mark

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Dear Crabot,

 

Thank you for acknowledging that any payment to this debt was over 7 years ago. Please hand this letter to someone with a brain or a calculator or both. Now go away and do not bother me anymore.

 

:D

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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Happy new year to you all,

 

Having some problems from Carbot, they are chasing a debt that i am saying is statute-barred as i have not heard anything from the creditor during the relevant limitation period of 6 years.

 

 

Recieved a letter this morning that reads as follows.

 

You've stated that your outstanding balance is statute-barred because the course of action in this matter began more than six years ago.

The debt was last acknowledged by payment of £75 on the 2 October 2002.

 

Therefore our right to recover the outstanding balance on this account is not statute-barred and we can take action through the courts to recover the outstanding balance, including all interest accrued since 27/3/03.

 

Now i am sure October 2002 as over 6 years ago, hence why i am saying the debt is staute-barred. Am i missing something here, if so any advice would be appreciated.

 

Mark

 

 

Dear Cabot, tahnk you for your letter dated xx/xx/xx the contents have been noted.

 

I am most grateful that you have confirmed that the last acknowledgement of the debt was In October 2002, and that you have confirmed that this account is in fact Statute Barred and as such completely unenforceable.

 

I trust this resolves any business you may feel you have with me and would take this opportunity to advise you that now that we have fully established the status of this account, any further demands from yourselves will result in complaints being levied with OFT, Trading Standards and FSA.

 

Yours etc..... (add lots of kisses)

 

Obviously keep this letter VERY safe, it's a doozy, you might wish to include a copy of it with your reply and of course obtain prrof of posting/delivery

 

Great stuff

Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

If you feel that have been helpful please feel free to tip the scales.

 

 

The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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You've got to give them full marks for trying it on though lol :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Oh dear... lets hope nobody brought them a calculator for xmas... :-D :-D

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Yeah i have just sent off the letter (recorded delivery) to Cabot, and have also emailed them the same letter, so they know what they are getting. Might even throw in an abacus or calculator so they can get the sums right. As for the CSA, am in the process of reporting them, slap on the wrist for Cabot i hope!!!

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I'm sure your letter will do the trick, but it's always worth mentioning that you won't be paying, since the OFT Guidance allows DCAs to pursue statute-barred debt until they are made aware that no funds will be forthcoming.

 

Their untrue and misleading statement that they can enforce through the courts is disgraceful, and should be the subject of a complaint - I'd put money on them claiming an 'admin error' though.

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Crapbot's exscuse for anything would be "ooh, it's an admin error" :p

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Save yourself a bit of time and send an email to Ken Maynard at Cabot, carefully explain that 2 (2002) + 6 (statue of limitations) = 8 (2008)

 

Therefore, by Cabots own admission the debt is statue-barred.

 

P.S also wish him a Happy 2010 from the CFC ;)

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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How do i go about making a complaint and to who, as a newbie on here i have no idea where to go, or how to put in the complaint.

 

Post 7 in this thread ;)

 
 

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

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

If you can, please donate to this site.

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

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Just received a reply from crapbot today which reads as follows.

 

We confirm that this account is not statute barred due to previous information received regarding a bankruptcy order ref VA***** dated 10 November 2003.

 

In order to investigate this matter further we require a sight of the bankruptcy papers.

 

As i have never been made bankrupt, or have no idea what or where these so called papers are, how do i reply to these ****.

 

Thanks in advance

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If you'd been made BR suerly they can't chase the alleged account :rolleyes:

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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If you'd been made BR suerly they can't chase the alleged account :rolleyes:

 

Unless it was outside of the BR.

 

Personally I'd reply stating you will not be providing them with anything, its not your responsibility but you will however be forwarding their letters to the OFT.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Just received a reply from crapbot today which reads as follows.

 

We confirm that this account is not statute barred due to previous information received regarding a bankruptcy order ref VA***** dated 10 November 2003.

 

In order to investigate this matter further we require a sight of the bankruptcy papers.

 

As i have never been made bankrupt, or have no idea what or where these so called papers are, how do i reply to these ****.

 

Thanks in advance

NOvember 2003 + 6yrs = Statute barred, with or without a BR this debt is dead inn the water, tell them very simply to Foxtrot Oscar and report them to all and sundry, you have told them where you stand, they have lied, either in the first letter or the second, (only one of them can be a mistake) either way they have lied and should now be punished

Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

If you feel that have been helpful please feel free to tip the scales.

 

 

The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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Recieved a letter from Crapbot today....

 

We apologise for the previously incorrect information regarding bankruptcy on this account.

 

We now acknowledge that your account is statute barred and so governed by the limitation act 1980. Under the OFT guindelines it is accepted that legally the debt still exists but that collections must in no way be contrary to section 40(1) of the Administration of Justice Act 1970.

 

Whilst we don't consider our actions to have breached any law or regulatory guideline, your account has been withdrawn from our regular collections process.

 

Now that was to easy, was expecting more of a fight with them, but they seem to finally realise that the last payment was in 2002 and as its now 2010, more than 6 years has passed. Maybe someone found a calculator.

Just want to say thanks to all who posted and helped me out with Crapbot, and keep up the good work.

 

M

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YAY!!! Congratulations, keep that letter VERY safe :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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hey, im also having problems with a debt that is well over 6 years old, any help on what do to next would be very much appreciated.. i recieved a letter from rockwell dca, acting on behalf of tessera portfolio mgment., this letter stated i owe them a large amount of money, this was a loan owed to intelligent finance, iv since sent them a letter stating its statute barred, to which they replied i made a payment on jan 1st 2005, i have no knowledge of this payment what so ever, and asked them in another letter to prove this and again stated i belive this debt to be statute barred, they have now sent me a copy of a statement listing all payments on this account which could of been printed on any standard pc.. and this payment is for £1 on jan 18th 2005, i have never made a £1 payment to anyone in my life, plus they have given 2 different dates for this payment, what would be my next move concerning this issue,,any help much appreciated...thanks...

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was it a DD? if so you would have to sign one. £1 what an odd amount, when was your last payment before this and was it for more than a pound? i reckon they're at IT! just keep asking for proof and remember never give them your signature as im sure they will put it to a constructive use. Keep this account in dispute that way that cant do scooby!

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