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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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moorcroft scronging help please


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Over the last few months i have had afew letters from moorcroft about a debt for water rates from 01/04/04 to 01/10/06 from an old address.I moved out in 06/05 i was squatting,was evicted.Long story.I told them i wasn't living there 05 when i spoke to them on the fone(i know i shouldn't have and wont do again) in which they couldn't tell me these dates and had to go back to severne trent.They have now said they want proof of when i vacated,which i no longer do as i had no tenancy agreement,due to squatting.I have susequently moved twice since.Should i cca them as i have disputed this debt from the start and where should i go from here.

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Ignore them. They have to prove you have liability for the debt concerned, which they probably won't bother to test in court. There are so many debt companies that they can pass/sell the debt onto, they would probably do that instead. Very few people are subject to any court action, out of the hundreds of thousands of debts that exist.

 

The debt will become statute barred 6 years from the last date of payment. If the debt is on your credit record, it will drop off 6 years after the default date.

 

Keep an eye on the post and only do anything, if court papers are sent to you.

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If you have made no payments at all and the correct date is 1/4/04, then the debt is statute barred, so they cannot enforce in court. They are allowed to chase as the debt is technically still owed, they just can't go to court.

 

It is up to you, there is a statute barred letter, you can send if you want. This can be found in the debt collector library on the first page on CAG. The problem is that if you have got the date wrong and Moorcorft just happen to have proof, they could decide to rush to court, before it does become statute barred. So best to wait and then if necessary send them the letter.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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i think i'll wait and see what happens as i don't want to make them aware of the dates incase they have got them wrong,but its stated on the letter they have sent me as being 01/04/04.As you said they can still chase me for the debt how long can they do this for?

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There is a letter in the templates library that request them to stop all action as the account is SB assuming the dates are correct and the debt is SB then that one letter SHOULD stop further action.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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  • 2 weeks later...

I have recieved another letter today thats 3 in the last 3 weeks,it states i have failed to make a payment under a county court judgement.I have heard nothing from the courts regarding this.It states if i don't contact them or respond to this letter they assume i am purposely avoiding repayment,even though its not my debt too pay.They are going to advise client to instruct solicitors to take action against me,which could increase debt further.

Should i just ignore? What should i do now.

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Er, if there is a county court judgement and they are instructing solicitors to take further action they are using threats they cannot follow through. If you had a county court judgement which you hadn't paid up on then the next level of enforcement would be court bailiffs.

 

I would send the letter to Trading Standards via Consumer Direct as it is full of threats they cannot justify.

 

You have told them the debt isn't yours, you were not responsible for the property at the time of the debt so that is the end of it.

 

Try and get your local MP involved in this as they would be more able to get these idiots stopped.

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