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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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How to claim for harassment


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Hi

 

I have been receiving phonecalls from MBNA daily for the past couple of months. They have even called one of my friends - tracking her down as she made a payment into my account with her bank card.

MBNA have admitted in writing that they have done this and have offered to delete her details from my account.

They have offered to pay my friend £50 compensation (should she accept this) and have not offered to pay me anything. Does anyone know how much I would be entitled to claim for in a small claims court? I have a log of calls that they have made to me (and emails) as well as calls to my friend and my former employers. I am very annoyed by their behaviour.

 

Thanks

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Hi

 

I have been receiving phonecalls from MBNA daily for the past couple of months. They have even called one of my friends - tracking her down as she made a payment into my account with her bank card.

MBNA have admitted in writing that they have done this and have offered to delete her details from my account.

They have offered to pay my friend £50 compensation (should she accept this) and have not offered to pay me anything. Does anyone know how much I would be entitled to claim for in a small claims court? I have a log of calls that they have made to me (and emails) as well as calls to my friend and my former employers. I am very annoyed by their behaviour.

 

Thanks

 

I wonder if they have breached the Data protection act 1991 , by tracking down your friend , how did they track her and what did they ask her ?

If so it might be worth her going for them for about £400 for the breach , however I am no way a lawyer so you should seek clarification , but the fact they quickly offered her £50 , In writing? is a sign of guilt . If she accepts it she cannot pursue further , does she have it in writing ?

Is she or have they tied her to you on either of your credit files ?

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Hi Red

 

Claims for harrassment are hard to prove, it depends on what a judge considers to be reasonable. These companies use such low down dirty tactics, first to get you in debt, then as you have described.

 

Bank customer wins 'harassment' fight | This is Money

 

http://www.dailymail.co.uk/news/article-1140905/Sue-Judge-backs-woman-took-British-Gas.html

 

Red have you claimed back all penalty charges in your account with contractual interest.

Edited by rebel11
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It might be an idea to look at OFT Guidelines on debt collection, you could

write a letter to them with with all the facts, tell them you will take them to court and see what they say.

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I wonder if they have breached the Data protection act 1991 , by tracking down your friend , how did they track her and what did they ask her ?

If so it might be worth her going for them for about £400 for the breach , however I am no way a lawyer so you should seek clarification , but the fact they quickly offered her £50 , In writing? is a sign of guilt . If she accepts it she cannot pursue further , does she have it in writing ?

Is she or have they tied her to you on either of your credit files ?

 

 

Hi

 

They tracked her via her bank cards - they are administered by the same company. In their letter they admit having contacted her via her phone - but she changed tel numbers after that date so it is not possible so it had to be via the cards.

 

They asked her to get in touch with me and get me to contact them as I had missed a payment on my credit card. Another one pointed out that she had paid me £10 direct into my account and asked if she would be willing to pay more as there was money outstanding on the account. They also left several messages just saying that I should get in touch with them.

 

I am not sure what is on the credit files so I have asked for them to provide me with info.

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Hi

 

They tracked her via her bank cards - they are administered by the same company. In their letter they admit having contacted her via her phone - but she changed tel numbers after that date so it is not possible so it had to be via the cards.

 

They asked her to get in touch with me and get me to contact them as I had missed a payment on my credit card. Another one pointed out that she had paid me £10 direct into my account and asked if she would be willing to pay more as there was money outstanding on the account. They also left several messages just saying that I should get in touch with them.

 

I am not sure what is on the credit files so I have asked for them to provide me with info.

In my opinion , they have breached the DPA by discussing your personal details with a third party , they are also probably in breach of the debt collecting guidelines , on the site somewhere , for the same reason and also by revealing to and involving another party , by asking her to pay .

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