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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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Need help in dealing with Moorcroft


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Can anybody advise or help,

I lost my job 12 months ago through ill health and came into financial difficulties, I do have a smell pension but that is it. I had two Barclay cards which I could no longer pay, I contacted Barclay card to try and resolve the matter, they were not very helpful or forthcoming. I did not hear from them for sometime, then I started to receive phone calls and letters from a debt firm called Moorcroft, I refused to deal with them as I believe my business is with Barclay card and not them, I then started to get phone calls and letters from several other debt firms these being Debt Mangers LTD, Calder, Mercers, Apex and Wescot debt collection agency. Again I did not deal with them for the same reason and all of these companies were chasing the two debts. It went quiet for a while, then this evening a person knocked on my door and said his was calling to collect the debt on behalf of his client, I asked who the client was and he would not answer, however I did notice on his clipboard a sheet of A4 paper with Moorcroft on it. I informed him that my business is with Barclay card, not him or anybody else, he said, well you need to deal with me as I am the last step before court, I found the visit quite upsetting and I do not know how to deal with it, I also believe the Barclay card debt has been sold to one of these companies as I did recently try to contact Barclay card, but they informed to deal with one of these agents, not them. Please can anybody advise or give me answers to the following questions.

 

How can I find out if they have bought the debt?

If they have bought the debt, am I right to believe they would have only payed a fraction of what it is worth, if they did go to court what could they claim for the whole debt? or what they paid for it?

Do I have any rights with these people calling to my home?

Are they required to provide documentation that I owe them this debt and again would they need documentation proof of the debt to take me to court?

Are they allowed to keep calling to my house with out a court order?

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Can anybody advise or help,

I lost my job 12 months ago through ill health and came into financial difficulties, I do have a smell pension but that is it. I had two Barclay cards which I could no longer pay, I contacted Barclay card to try and resolve the matter, they were not very helpful or forthcoming. I did not hear from them for sometime, then I started to receive phone calls and letters from a debt firm called Moorcroft, I refused to deal with them as I believe my business is with Barclay card and not them, I then started to get phone calls and letters from several other debt firms these being Debt Mangers LTD, Calder, Mercers, Apex and Wescot debt collection agency. Again I did not deal with them for the same reason and all of these companies were chasing the two debts. It went quiet for a while, then this evening a person knocked on my door and said his was calling to collect the debt on behalf of his client, I asked who the client was and he would not answer, however I did notice on his clipboard a sheet of A4 paper with Moorcroft on it. I informed him that my business is with Barclay card, not him or anybody else, he said, well you need to deal with me as I am the last step before court, I found the visit quite upsetting and I do not know how to deal with it, I also believe the Barclay card debt has been sold to one of these companies as I did recently try to contact Barclay card, but they informed to deal with one of these agents, not them. Please can anybody advise or give me answers to the following questions

 

How can I find out if they have bought the debt? Ask the original creditor if they have sold the account and if to who and when

If they have bought the debt, am I right to believe they would have only payed a fraction of what it is worth, Correct around 10p in the £

 

if they did go to court what could they claim for the whole debt? or what they paid for it? They would claim for the full balance plus interest and costs

 

Do I have any rights with these people calling to my home? You do indeed, they have no more right to visit you than I do, if they do call tell them to leave, if they refuse call the police

 

Are they required to provide documentation that I owe them this debt and again would they need documentation proof of the debt to take me to court? Yes they have to provide proof that you owe the debt should you request it, if they cannot proving this then they cannot enforce the debt through the courts

 

Are they allowed to keep calling to my house with out a court order? They are not allowed to call at your house full stop

 

I would get a cca request of to moorcroft see if they have anything. Fear nothing from these doorsteppers, they are powerless, it is all hot air they spout to get money out of you, you do not have to deal with the cretin whatsoever, so if he calls again tell him to P*ss off.

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Hello Odessa,

 

I've started a new thread for your problem.

 

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