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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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Mint/Triton now cabot


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Hi there, I am a new cagger. I also have the same problem. I originally requested a CCA from Mint and they sent me a copy of my signeed application form some 21 days after request. I then advised that the account is in dispute, (letter downloaded from CAG forum). Mint have now passed the debt to Triton credit service who have requested the whole amount of £4300. What should i do? Would really appreciate your help.

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Hi, essexzed.

 

I've started a new thread for you.

 

Regards.

 

Scott.

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SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

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Hi, welcome to the forum. Has the debt been sold or are Triton just operating on behalf of Mint? I would advise Triton that the account was already in dispute with Mint and send the letter that Sam in the previous post and given you the link for. It needs a little adapting

My advice is given through personal experience and is given without prejudice

 

 

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Hi, welcome to the forum. Has the debt been sold or are Triton just operating on behalf of Mint? I would advise Triton that the account was already in dispute with Mint and send the letter that Sam in the previous post and given you the link for. It needs a little adapting

 

Thanks a million everyone! Adapting the letter means just address details i take it??

I will do the necessary and keep you all updated. 8-)

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Pretty much, dates, names etc. Ensure that it is all relevant to your case, remove info or add info if appropriate

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My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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Hi Guys,

Once again, thanks for the info. I have prepared the letter and just about to post it recorded delivery and suddenly my phone rings... It was of course triton credit services. I didn't know what to say, so i told them that i did not want to discuss anything on the phone and that they will be recieving a letter from me.

Did i do the right thing?

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yes,do not talk to them, if they call again state in writting only,and refuse to answer their security questions.

 

and you can send this if they do keep calling.

 

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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  • 1 month later...

Hello once again all, I hope everyone is well.

since my last letter, i received a call from triton but i refused to talk to them. On the 28th March i received a long letter from Mint. I will try and scan it in so you can read the contents. but the essence of the letter is as follows: The letter first outlines Mint's understanding of my complaint then it covers details of Mint's investigation and how they followed the consumer credit regulation properly. The letter is concluded with an apology and a statement to confirm that they are UNABLE to uphold my complaint and that the debt will need to be paid.

The letter gives 8 weeks to reply. But before the 8 weeks i received a letter from triton credit services threatening a CCJ or court proceedings. I hope this gives you an insight into my situation and would welcome advice on my next step. I will try my level best to scan both letters in by tommorow. Sorry don't have a scanner, have to rely on my brother.

Thanks again caggers!!:-)

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Hi essexzed

 

I wouldn't worry too much about Triton. dcas will threaten al kinds of things but I reckon if you look at their letter closely it is full of "might", "may", "could" blah, blah.

 

Triton can do nothing to you....the account is in dispute with the OC so stuff Triton. Sending you an application form isn't complying with the CCA request and until they can comply the account remains in dispute.

 

You are doing the right thing by not talking to Triton on the phone. You are under no legal obligation to discuss personal financial matters on the phone. So there!

 

I would write back to the OC and say that they have not complied with the CCA request as they have sent you an application form and until such time as they do comply the account is in dispute.

 

Are there any charges on the account that you can claim back? I take it this is a Mint Card?

 

Also, a previous post asks whether the debt has been sold to Triton or whether it has just been passed to them to collect. and the answer is.........?

 

ims

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Triton are the bank's own in-house collection arm not an outside debt collection agency.

Anthrax alert at debt collectors caused by box of doughnuts

 

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Ah so it won't have been sold then!

If I have helped you please leave me a message by clicking my star

 

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7. Thinking of a Full & Final Settlement?

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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Ah so it won't have been sold then!

 

No. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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Hi Esse

 

As Cerberusalert says Try it on Sorry Triton are the banks in house DCA , I have had dealings with them and they can be very slipery you are doing the right thing by not speaking on the phone to them if you do they will try allsorts to try and get cash from you they are bulleys , so everything in writing also if you send letters to them by RD they sometimes show as not delivered on Royal Mails track and trace so if they show up as in the system or smilar ring RM and ask them to confirm delivery apparently the items dont show as they get signed for in bulk by someone from RBS and Triton are very good at saying they have not received any corspondence from you .

Good Luck

CB

Still Fighting 4 PPI claims getting there slowly :smile:

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Thanks Ims21,

I just took a sigh of relief!!, as mentioned below, Trtiton, i believe are in house DCAs. In response to your question, yes this is a MINT visa credit card. I don't think there are any charges except the original debt, which totals £4,309.34. I have been paying this at £10 per month interest free up until the account was in dispute.

In the letter that Mint sent me, they are adamant that they sent me "a copy of the credit agreement that i signed". All i remember receiving is a signed copy of my application form.

I take it now i can just sit tight? Triton stated that they have recommended to Mint(royal bank of scotland) to instruct solicitors to recover this debt.

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Hi

 

You say that as far as you remember you got an application. maybe a slly question but is there some doubt in your mind? If so I would send another CCA request to make sure.

 

Other threads seem to suggest that they won't want to go to court without a valid document.

 

Shame there are no overlimit or late payment fees though. Do you have the statements so you can check?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Was there any PPI with this a/c?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Hi

 

You say that as far as you remember you got an application. maybe a slly question but is there some doubt in your mind? If so I would send another CCA request to make sure.

 

Other threads seem to suggest that they won't want to go to court without a valid document.

 

Shame there are no overlimit or late payment fees though. Do you have the statements so you can check?

 

OK IMS, i will make a thorough check of all the paperwork i have received and get back to you, but i am pretty sure that i only received a copy of signed application with T&C's.

I have kept most of my statements, what exactly am i looking for? late payment fees?

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  • 3 weeks later...

ca7.pdfHello again fellow caggers,

I had to invest in a scanner, because things were getting a little worrying. I have attached copies of the letters received from MINT and triton. in order of receipt.

The letter from mint dated 28/3/2011 is a response to my letter which advised that the account is in dispute. (i downloaded the template from CAG)

and then the other letters followed. page 4 and 5 of Credit agreement will be in next post. can only upload 5 pages per post.

ca6.pdf

ca3.pdf

CA1.pdf

ca2.pdf

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To much person info showing

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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