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    • Thank you, we'll take that into account.   Btw, there's no need to hit Quote when you reply because it makes the thread confusing if you're quoting the post above yours. Best to just type in the blank box below the post.   HB
    • Hi Andy,    Thank you for your reply.  So what does this mean going forward?  is this a reply to my defence? My defence didn’t get anywhere??  
    • Hi Thank you for your reply and help, we signed to except 3 months 20% salary sacrifice back beginning of the year and that it would be paid back in full in December this year, nothing to do with pensions  Thanks Ian
    • thank you    Can I just add the bailiff has not contacted me to do any kind of COVID risk assessment (and the other person at the property is considered vulnerable and is shielding). 
    • I don't follow what has happened. So more information please.     Were you expecting your pay to be back to 100% from December?   Or does the paperwork say you get backpay in December?   What did you sign, or have sent to you? What does it say?   I am not sure what salary sacrifice has to do with it - that's usually about pensions/ company cars etc. I think this may be pay cut, or pay delay?
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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 /Arrow Global / Wescot - Help Please!

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I need some advice please regarding a £3,223 debt to RBS/Mint.

The last I heard regarding this matter was in September 2008, as a result of help from yourselves with dealing with Bryan Carter who was chasing this matter. Details on below thread;


Within the last week however I have received 3 letters sent to my parents address;

1/ From RBS Stating that this debt has been assigned to Arrow Global, Guernsey who are now the legal owners

2/ A notice of Assignment from Arrow Global

3/ A notice of debt collection from Wescot


I find this strange having not heard anything about this matter for 2 and a half years, also the RBS letter is identical in format to the Arrow Global Letter which makes me thinks that the letter came from them and not actually RBS.

Does anybody have any experience of this, or advise on how I should deal with this matter. After BC were unable to provide a signed CCA, I sent them a letter stating the account was in dispute and didn't hear anything for over 2 years. Do I have to start again with the CCA letters etc?

Any advice greatfully received!


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  • 2 months later...

Hi, can you gives some more details, Arrow Global is a debt purchase company

that works in tandem with a a debt collection agency called Fredrickson International, and

Brian Carter solicitors.

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

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