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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.
       
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      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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MBNA- New guy needs advice


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Hi all,

 

This is my first post and i am hoping someone can give me some advice. I have done a lot of reading on this site for a few days but really could do with some clarification on something. :-)

 

I have a few credit cards but one is a big one at about 8000 pounds and i am struggling to make the minimum payments of 230 pounds per month which only covers interest. I would really like to be able freeze interest or make lower payments but am not sure how to go about it. I took out the card initially in 2000 when it was Alliance and Leicester. At the moment there is no money left for food or council tax. The mortgage is the one thing i make sure is paid.

 

Should i:

 

Write and ask nicely first else if they say no then ask for a cca stop payments etc

 

or

 

should i ask for a cca first?

 

To be honest, if i didnt pay this card for six months i could clear to other cards up with the money! Trouble is i have never missed a payment on any account before and it all terrorfies me. This is why i think i will start with the MBNA first and concentrate on that.

 

Its coming to crunch time, we cant cope with it anymore and it needs to be faced off. This site is the catalyst for my climb back to a normal life.

 

I am really grateful for any replies :-)

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Hi all,

 

This is my first post and i am hoping someone can give me some advice. I have done a lot of reading on this site for a few days but really could do with some clarification on something. :-)

 

I have a few credit cards but one is a big one at about 8000 pounds and i am struggling to make the minimum payments of 230 pounds per month which only covers interest. I would really like to be able freeze interest or make lower payments but am not sure how to go about it. I took out the card initially in 2000 when it was Alliance and Leicester. At the moment there is no money left for food or council tax. The mortgage is the one thing i make sure is paid.

 

Should i:

 

Write and ask nicely first else if they say no then ask for a cca stop payments etc

 

or

 

should i ask for a cca first?

 

To be honest, if i didnt pay this card for six months i could clear to other cards up with the money! Trouble is i have never missed a payment on any account before and it all terrorfies me. This is why i think i will start with the MBNA first and concentrate on that.

 

Its coming to crunch time, we cant cope with it anymore and it needs to be faced off. This site is the catalyst for my climb back to a normal life.

 

I am really grateful for any replies :-)

 

Hi Minimoo,

 

Sorry noone has replied yet. The way to go is up to you - I don't think it would hurt to CCA and see what they come up with, you can continue paying what you can afford and no more, this is not a priority debt as you know. You could go thro the CCCS but this involves letting them have sight of income/expenditure and setting up a payment you can afford. You could later down the line send a CCA request and still continue paying them the minimum amount until or if they don't come up with an enforceable agreement which after 12 + 2 days then puts the account into dispute. I had a payment plan set up with MBNA with interest frozen but was cross because I found out that they had added PPI without my knowledge so I CCA'd them and found they didn't have any kind of agreement. They still took me to court seeking a summary judgement, I was lucky, I got an excellent DJ with thorough knowledge of Consumer Credit and they lost, had to pay my costs and discontinue. Admittedly, mine was only the small claims court so costs were limited.

 

MBNA are particularly bad for telephone harassment so the above can be a scary route. With regard to being able to clear up the other cards with the amount saved from not paying one, if you go the CCCS route you would be expected to be fair to all the creditors.

 

Well done for taking the first step and realising that things can't go on the way they are, £230. is way too much to be paying when council tax is one of the priorities, maybe try talking to MBNA first and seeing if they will come up with a reasonable plan, freezing the interest and of course, you will want this in writing. Let us know how you get on.

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