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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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Full & Final Settlement offer advice on how to clear asap


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Just let us know what you need help with.

 

Cheers Brigs, decided put this one on hold for a bit. Not heard a peep from these for over a year then suddenly 50% discount out of the blue so there must be something amiss with their paperwork.

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Panther

 

I have a similar thing with an old Egg loan which I stopped paying about 3 years ago - now sold to Aktiv Kapital who offered a 65% discount when I told them that Egg hadn't responded to a SAR request made over 2 years ago . It seemed to stop Egg chasing me up - but still no info sent by them.

 

I suspect there's not any paperwork to back up their case - hence the big discount on offer. However I've decided not to pay them the 35% they'll settle for - but to pay them 0% unless and until they comply with the SAR - that was a few months ago - zilch heard since!

 

Good luck!

 

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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Hi BD

 

Thanks for that.

 

My Egg is with Bob Diamond (12 mill pa casino banker) but even he appears to be confused and has backed off; threats on the due date payment for one a/c have been rapidly retracted whilst the other a/c is in limbo (he has very catholic tastes).

 

Where's the beef Bob?

 

x

 

 

v

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Anyone know what’s happened to The Mould. I’m about to do another F&F and revisiting old threads I notice all his posts are deleted? Just wondering what’s happened to him as he was pretty clued up on the F&F scene. Well I think with the knowledge gained with the Moorcroft / natwest malarkey (never heard anymore from that case) I think it’s now time to start again with Egg who have made an appearance out of the woodwork via a dca offering huge savings.

 

Is there anything in particular that you need to know?

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Is there anything in particular that you need to know?

 

No not really at this point. The only thing I was unsure about is that in a previous F&F The Mould said that I had made a fundamental error by writing the debtors account details on the back of the cheque that accompanied the letter of terms, but as his posts are now deleted I couldn’t remember why that was an error. I did some digging around and remembered that it was to safeguard against the creditor saying that they bank the cheques before reading the accompanying letter. So best to bury the account details within the body of the letter, therefore if they match the payment to the debtors account they can’t deny not having read the terms that the cheque was tendered by.

 

A bit academic now though as decided they can whistle for the money – And I feel cheated that BD got offered 65% discount and we only got a measly 50% so sod em.

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Anyone know what’s happened to The Mould. I’m about to do another F&F and revisiting old threads I notice all his posts are deleted? Just wondering what’s happened to him as he was pretty clued up on the F&F scene. Well I think with the knowledge gained with the Moorcroft / natwest malarkey (never heard anymore from that case) I think it’s now time to start again with Egg who have made an appearance out of the woodwork via a dca offering huge savings.

 

The Mould has been helpful on my threads in the past but his posts have been removed!

 

I recently asked the site team but not had a reply.

 

Has he gone? :-(

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  • 2 weeks later...

Decided to do a F&F to try and get this account laid to rest once & for all. Not only was the cheque sent via 3rd party but the accompanying letter of terms also coming from the 3rd party (with the debtors details buried within the text of the letter).

 

The dca has now wrote direct to the 3rd party. They haven’t returned (or cashed) the cheque but said they do not have authority to discuss the matter with the 3rd party, enclosing a Form of Authority for the debtor to sign allowing the 3rd party to deal on their behalf. Said if they don’t receive the authority within 10 days they’ll reply direct to debtor. The 3rd party is thick skinned and has no problem allowing authorisation to communicate direct with the dca, but just wondering if completing a form of authority would have any implications regarding the F&F settlement?

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It is to protect you and the third party that they require your

written permissin for the third party to act, other wise there

dicussing your debt would be a breach of the DPA 1998.

No problems with the F&F that are obvious.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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There is nothing untoward here re the authorisation.

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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It is to protect you and the third party that they require your

written permissin for the third party to act, other wise there

dicussing your debt would be a breach of the DPA 1998.

No problems with the F&F that are obvious.

Authorisation was given and as the 3rd party I have been in email discussion. They have now returned the cheque so I guess that’s the end of that discussion.

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