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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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Excessive bank charges

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I missed a couple of direct debit payments in June by a small amount, under a pound, and the Nationwide have charged me £30 per direct debit.This totals £120, and I cannot afford to pay it. I've paid the first £60, but the next £60 comes out on Friday and I have no money to cover it.


Is there anything I can do?

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Hi there, I am another unfortunate Nationwide customer.As you have found out their moneymaking [problem] is to charge customers outrageous penalties for supposed breaches of their rules. This is the method by which your money becomes their money! If possible I would suggest cancelling what direct debits you can and pay by other means if you are so close to your limit.This would stop further charges and you then control when money is taken from your account instead of the banks .You may also want to consider opening a 'parachute' account with another bank so that Nationwide will not control your money.It might also be worth explaining your situation and trying to negotiate a solution either over the phone or at branch .If they are going to take a good portion of your income with the £60 charge I would ensure you take action to secure your money as they are going to charge your account anyway. Have you just gone over the £0.00 into the red or do have a big overdraft and gone into unauthorised territory:cry:.

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  • 2 weeks later...

The banks are too hard on people. When they make high risk investments and profit they get huge bonuses, and when their gambles fail they device ways to squeeze the public. I stopped my direct debit contribution to a UK charity because my bank charged me £35 failed direct debit charge. I know they don't care what the transaction is all about but what sense does it make that I was trying to do good with £5 monthly donation, and end up being charged £35 because I only have £3.48 in my account. But that was then, no bank will ever do that to me again as I am now in full control. I use a text messaging reminder service from (directdebitalerts.com) , I setup all my direct debit and payment dates, and schedule the system to send me SMS and Email reminders 2 days before my direct debit due dates, it never fails, and that helps me to make sure there is enough money in my account even if it means borrowing from someone. The service cost me only £15 per year, and it works every time ;)

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