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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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Has anyone used Swift Payday Loans UK? I found there website. (Edit)

I found them the other day, the application form seems secure so was just wondering if anyone has tried them?

 

Thanks.

Edited by ukaviator
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  • 2 weeks later...

Nice try Carl. . .

 

Stay away from Swift Payday Loans, Representative APR = 1737.2% APR . .

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  • 2 months later...
Has anyone used Swift Payday Loans UK? I found there website. (Edit)

I found them the other day, the application form seems secure so was just wondering if anyone has tried them?

 

Thanks.

 

Hi, I have used it twice,and yes it's very secure,but a word of warning,on the day your money is due there is no extensions,it must be paid on that date.

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Also if things go wrong, they will be no help at all, they will insist on full payment or nothing, and their CRS attack dogs are apparently under the same orders.

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  • 1 year later...

York, Cag does not condone people emailing others about debts on this site. If you have advice for others, please do not keep it secret, as since you are anew poster, it is pretty suspicious. Keep all advice in the thread so many people can benefit.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I wrote a letter of complaint to the OFT,Trading standards, my local MP, to all the money programmes I could find,an newspapers,and I sent a copy to the company, but please,please keep all the replies from the company as this can be used in evidence against these leaches, the sooner the goverment or other governing bodies stop giving these organised loan sharks a licence to trade, the more respect they will get from people trying to do their best working and earning the minimum wage with limited resources to spend on trying to live honestly. Roll on the day that some goverment gets the b...s to say to PDLs enough, abide by stringent rules or face the punishment!

 

York, Cag does not condone people emailing others about debts on this site. If you have advice for others, please do not keep it secret, as since you are anew poster, it is pretty suspicious. Keep all advice in the thread so many people can benefit.
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Good work York! Advice is often given to people here to Report loudly to the relevant people when these PDL sharks operate unfairly.

 

Keep up the good work :)

It never rains but it pours...

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