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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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D-day - 29th October - Urgent Advice Needed - Massive Payday Loan debts

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Hi all,


I've posted previously but lost track of my thread.


I have £3200 of debt with 8 different payday loans, my pay for this month is just short of £700.00 which is a massive drop from normal, and it is looking likely that my salary wont increase again until January 31st. My outgoings leave me with £400.00 to pay with without paying any of the below.


My loans are with Wonga (biggest loan £1*00), Payday Express (£500.00), Minicredit (£415), Lending Stream (£279 & £123), 1MonthLoan (£156), 247 Moneybox (£150) Wagedayadvance (£137.50).


Obviously, there is no chance in hell I can pay these back, I can't get a personal loan to cover them, and I can't borrow off any family due to various reasons.


I really am coming to the end of my tether with this, and I've been in this situation for over 18 months where I just keep re-loaning or paying off interest. God knows how much I've spent on interest.


What steps should I follow from here? I know it's a massive mess, but any advice is welcome.



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Try paying one back and defaulting on the others, then repay one next month, by the end of a couple of months you will start getting threatening letters from some of the lenders, but then you can offer them £50 a month on the proviso you repay the original loan plus one months interest only....


What you MUST do is get another bank account to protect your salary by raids, Wonga are well documented for doing this as are QQ and other firms. Just 'loosing' your card isn't enough, you sent them the bank details when they had a copy of your card.


Do not accept phone calls, and keep an email trail if they do phone, even if you email the collections department or whatever, everything in email then if they try court you can hit back saying you have communicated, want to pay them but do not want to rack up charges.


Of course you can write to them in advance stating your circumstances have changed and you want an interest freeze but MAKE SURE YOU HAVE A NEW BANK ACCOUNT before you do this otherwise they may 'accidentally' help themselves.

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As usual some good advice from SG.


The most important thing is to put a stop to the reloaning trap once and for all. It is well documented in this forum that you can easily regain control and pay back reasonable figures that you can easily afford. Good luck

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