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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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Newbie looking for as much advice as possible!


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Hi

 

New to the site.

 

Have considerable debt over 6 creditors - been paying by own DMP for 4 years but finding it harder and harder to continue - what are chances of reducing/writing off debt? Been advised to CCA them all and if they dont reply etc then stop paying - worried about CCJ's - Incasso already threatening me they will do this if I dont increase payments by £70 a month - NO way can I afford that.

 

Any links/idea/letters would be greatly received.

 

Have PPI on one Egg Loan - I think I agreed to that at time I applied on line but surely if I am in default I should still have to pay that back.

 

Tesco Loan wants me to pay back the loan plus interest - can I get them to consider paying back just the loan figure? If so it would drop debt by £5k

 

Help and thanks

 

icon7.gif

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Hi

 

I'm also new but learning. Someone will provide more experienced advice.

 

You need to provide more (non-personal) info.

 

 

  • What debts e.g. cc, loans , overdraft & who with and when taken out

 

  • who is DMP with.
  • which have agreed to freeze interest/charges

Then CCA all that can be.

 

Sub-divide debts into those that re legally enforceable and those that are not.

 

Challenge (and stop paying) those that are not.

 

Devise a strategy for those that are; remember that you can't pay what you don't have and no court would order you to.

 

Chin up - there is a lot of support here!

 

vic

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Here is some further info

 

I have the following Loans/Credit card debts - I wrote to them all back in 2006 and they all agreed my Budget plan except Tesco after a while decided to pass to Triton who decided they wanted more and passed to Incasso - I have CCA them. All my interest on Credit cards frozen but with the loans I think I am paying back the whole debt including Interest (Egg Loan/Tesco Loan both include PPI) Natwest overdraft I just pay interest - I would lose my joint account and mortgage all with NW if I go down the full cant pay route - this is manageable (just)

 

Egg Loan taken out 2005

Egg Credit card - Taken out 2002 - now with Apex Credit management

Natwest Credit Card probably started 2001/02

Co Op credit Card - 1997

Tesco Loan - Now with Incasso 2003

Natwest Overdraft - not such an issue probably since 2000

I basically pay pro rata on the debt at approx 1% of the o/s balance each month. It is over £40k at present (not much more).

 

I last night found my copy of the Tesco CCA form which details loan/ppi/interest - what should I be looking for on here?? What do I do if Incasso supply a copy from Tesco - I came home last night to a letter from them advising they still do not accept my offer but have requested this from Tesco.

 

Help and Thanks!

 

:)

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Hi Newbie

 

You need to approach this in logical stages.

 

 

  1. Scan the CCA documents, remove personal info such as name, address, reference numbers and barcodes using microsoft paint then upload the scan to this thread.

 

Those who are knowledgable about CCA's can give you an opinion.

 

Can anyone else help with advice please?

 

vic

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as you get the cca's back

 

start a new thread in the named forum for that bank

 

and post up the cca

 

scan your agreement

remove all pers info inc barcodes etc but leave all figures and dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

as for the PPI

its all reclaimable , as are any unlawful charges like over-limit, late payment etc etc.

 

start a thread in the PPI forum, post the agreement and look at the stickys on the homepage.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Thanks for the advise, I will deffo do that with the CCA's

 

Any advise on which DMP companies are the best to approach, what are the benefits? I do tend to have to write to all 6 creditors every 6 months although Co Op agreed 12 months.

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cccs or payplan

 

both are charities and both are free

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Here is a copy of my CCA agreement that I found in my draw and which I have requested a copy from Tesco for. Can someone have a look at it and see what they think, is it enforceable? I have deleted all figures etc but supply those if needed.

 

It dates from 2003 if that helps, although it has no date on the actual document.

 

Any other info needed please ask me.

 

Many thanks

 

MobyT

Tesco CCA.pdf

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