Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 3569 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

 

My friend, yes not me honest! has just recieved a 28 possession order yesterday. He is beside himself with worry and has suffered a serious breakdown before, which is why i writing on his behalf, also im not new to this so can help as well.

 

He went to court, told him to get there early as mediation or a"chat" with the other side is usually possible, he offered the contractual payment plus £100 per month, he is currently unemployed as was also made bankrupt which meant he couldnt find any work in his field which is mortgages ironically.

 

He was unemployed for a while and was getting DWP mortgage relief and has told he will get that again in April which will cover most of the contractual interest only payment.

 

What can he do? he has a partner and 2 kids, and the arrears are about £18k. The other side didnt reach an agreement and asked for either a 28 or 56 day possession order and the judge gave a 28 day one.

Please advise on what to do next, and any other info needed to help answer this one.

 

Many thanks in advance

 

Excel

All comments are well meant but i am not legally qualified only CAG educated:D

 

 

In the slight chance i have been helpful please click the scales:)

Link to post
Share on other sites

Hi there excel,im sorry to read about your friends situation,after a breakdown this is the last thing he needs.Just bear with me here as i have to be careful what im saying as a couple of people are reading in my posts words which are just not there.Right so there is 18k arrears,your friend is getting most of the mortgage intrest paid by the D.W.P,so the contractual payment can be made plus 100 each month to pay towards the arrears.Isuspect that the judge ordered the 28 day repo order to give your friend and the lender time to discuss this further.Can you say who the lender is and if they mentioned any figures that they would be agreeable to,im not saying try to meet their demands but it would give us a good idea as to what they were looking for.Another question im afraid,has the lender added charges to the arrears figure do you know?,in fact regarding charges are they being racked up unfairly.Sorry about the questions but the more information the more we can help.

Link to post
Share on other sites

Hi,

 

lender is Santander was Alliance and Leicester and just enquiring about charges and will post back ASAP

 

Thanks

All comments are well meant but i am not legally qualified only CAG educated:D

 

 

In the slight chance i have been helpful please click the scales:)

Link to post
Share on other sites

Hi

 

Total arrears is £19000 with £1700 charges included in that amopunt total loan is £321215.69 contractual amount due £561 DWP did pay 468 and will do again from April 8th onwards, can anyone help ?

 

Ellenn?

All comments are well meant but i am not legally qualified only CAG educated:D

 

 

In the slight chance i have been helpful please click the scales:)

Link to post
Share on other sites

Hi Excel,

 

Are you sure about those figures? £561 on £321k is an APR of 2.10% which seems very low? Mind you if your friend was in mortgages perhaps he spotted a brilliant deal and snapped it up.

 

Either way, I'm afraid it sounds as though the judge has already considered your friend's proposal to pay £100pm towards the arrears and has decided he either hasn't got discretion to grant an order on those terms or your friend has not evidenced that he can afford it.

 

On the discretion side - £19,000 arrears at £100pm would take almost 16 years to clear so your friend would need a remaining term of at least that for the judge to have discretion to grant the order in accordance with Norgan v Cheltenham and Gloucester.

 

The other factor might be your friend's ability to prove he can afford the money towards the arrears and to be honest if he is unemployed with three dependants I don't see how he could on benefits. The judge might have granted a suspended order if the arrears had been lower and there was lots of equity (£19,000 is the equivalent of about 34 month's payments although you don't mention the equity) to give your friend a chance even if the evidence wasn't really in his favour but with arrears that high the judge is less likely to be generous. Your friend's prospects don't sound brilliant either given that he wouldn't be able operate in financial services with serious financial problems.

 

Harsh though it may sound, with your friend in a delicate emotional state, it might be better for him to consider options other than trying to keep the property. If there is equity perhaps a sale is a possibility but he will need to act quickly to demonstrate this is a realistic possibility to the court in order to apply for an extension to time before they can enforce the order. I would also suggest seeking advice from his local authority about being rehoused or looking into entitlement to housing benefit for privately rented accomodation.

  • Confused 1
Link to post
Share on other sites

If your friend was employed or with some prospects of employment i would say lets have a go at this.You see to go to court to apply for this order to be suspended we need something to work with,some aspect which we could defend on on in this case there is very little. 19k is a lot of arrears especially when your not working,defending in court would mean showing a judge your friend could pay off the arrears within a reasonable period of time,and i reckon any judge would be looking at 200+ a month on top of the normal contractual payment,230 per month would bring it down to about 7-8 years,however with no job and the D.W.P comming up short by 93 quid a month this is not looking too good.I was hoping there may have been more in the way of charges added to the account,anything that may have given us half a chance but to be honest i think a sale is on the cards here.If it were me i would put the place up for sale apply for a suspended order to give myself chance to sell the place and look for alternative accomodation.

Link to post
Share on other sites

Hi,

 

what about if he could get a afamily member to pay say £5000 of the arrears off for him? any help or a waste of time?

All comments are well meant but i am not legally qualified only CAG educated:D

 

 

In the slight chance i have been helpful please click the scales:)

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...