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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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Sheriff puts Bank of Scotland to proof on bank charges


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This wait is killing me! Having been married for over 40 years I'm just not used to so much silence.

 

However I suppose we've just got to think that no news is good news - but it's bl**dy frustrating just how these banks are managing to find more ways to hold on to the money they've taken from us in all these unfair charges over many years!

 

BD

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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I agree it is frustrating but I understand that Mike Dailly is involved in a great many things at the moment. I'm sure it'll be worth the wait.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Morning all,

It means that a 'Confidentiality agreement' has been entered into by the parties. To put it bluntly, Clydesdale Bank plc has 'paid off' the Reids and they have received an ex-gratia (As a favour; not compelled by legal right) additional payment, which is probably quite substantial to 'keep quiet' about the settlement.

Best wishes

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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Means that Clydsdale know they can loose a lot of money if they carry on and loose, so have tried to limit their possible losses. Limitation of loss exercise., If a judgment goes against them the judgement could probably set precedence against other Banks etc. So everything seems to be back to sqauare one i.e. none the wiser.

Edited by Old Cogger
:mad2::-x:jaw::sad:
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Yep, unfortunately thats about the size of it, a win for his client but no further forward really.

 

S.

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Means that Clydsdale know they can loose a lot of money if they carry on and loose, so have tried to limit their possible losses. Limitation of loss exercise., If a judgment goes against them the judgement could probably set precedence against other Banks etc. So everything seems to be back to sqauare one i.e. non the wiser.

 

Morning again

 

I think this is a good interpretation, HOWEVER, you could read between the lines and see that there may be other comparable cases which could be settled by Clydesdale, and there is the faint possibility that other cases may be substantially similar to the Reids, but against different banks.

 

Perhaps a look at the early stages of the case (if it is on the net) might assist, and provide perhaps some clues as to a way forwards? Maybe I am also 'clutching at straws'? !!

 

Best wishes all,,

Dougal

 

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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I wish Mike Daily and govan law was in England so they could act for me :violin:

 

 

EDIT but i can send the details if he wants to know lol

Edited by rdm2006

HTH (Hope This Helps) RDM2006

 

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Or you could move to Scotland:madgrin:

 

I'm joking.

 

I wish Mike Daily and govan law was in England so they could act for me :violin:
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now thats an idea, easier to get a job there (allegedly) lol

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

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Evening all,

 

Whilst there may be a confidentiality clause - it at least means that Mike Daily may now know what is needed for the Banks to 'cave in' ??

 

Any ideas on that anyone??

 

Best wishes to all,

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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shame they could not have told us that weeks ago tho

HTH (Hope This Helps) RDM2006

 

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I'd like to know what bankfodder thinks!!!!

He is the wisest man on this site and I feel he needs to share his thoughts!

Bankfodder Mayb you could join discussion

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Evening all,

 

Whilst there may be a confidentiality clause - it at least means that Mike Daily may now know what is needed for the Banks to 'cave in' ??

 

Any ideas on that anyone??

 

Best wishes to all,

 

Dougal

 

at a guess, pretty much what the supreme court previously hinted at?

as said, the bank didn't seem to want to proceed either for economical or legal reasons, or both.

IMO

:-):rant:

 

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Let's hope that it's only a matter of time before this tiny trickle becomes a mighty torrent as more cases are won, and inevitably information leaks into the public domain.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Maybe. Depends how much the banks want to keep out of court .....

 

Must be a reason they're beginning to settle .......

 

We don't want another farce like the last one with the OFT though, so it would be good to see it finally resolved.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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without a court decision, no starting precedent as such. all out of court. yes, as you say, if they're settling out of then they could be afraid of something. something to go on. but, would need a decided case to start things off universally. can't use an out of court settlement as authority in argument!

Edited by Ford

IMO

:-):rant:

 

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