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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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What would you do with Wonga in this circumstance?


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Have just signed up to Checkmyfile and as this is now picking up Callcredit information a massive raft of entries from Wonga has been detected on my account going back to last year. In all there are 15 settled entries and 1 open entry where the noted currence balance is £2121.

This would probably link back to a loan taken out for £1088 over a one month period so with interest would have been £1300ish. At the time they very aggressively sought money from my bank account, they managed to take over £225 direct from the account even after i had cancelled my bank card. I still don't know how they managed to take this money as it wasn't available and put me £200 overdrawn incurring a whole load of additional charges and interest.

This was around the time i was made redundant and life was in significant upheaval, so i'll admit that my actions weren't the best but when your life is falling apart then you don't always make the best choices.

This puts me in the situation now where it's just about to go to default (it may already have as the last entry was April and at a 6) and i imagine the debts will have risen to £2500 ish by now at their earlier rate of progression. I haven't heard from them in a long time and although i no longer live at the address every other bit of communication has been via email so i would have expected correspondance to continue via these means.So it seems my options are as follows:-

1) Ignore it, take the limited hit that it only seems to be reported on Callcredit. This option is feasible as i don't live at the address they have for me as i had to move out due to lack of a job.

2) Talk to them and offer a reduced settlement figure and negotiate the removal of negative credit information running the risk of starting a period of harassment from them.

3) Allow the debt to go to default and then challenge that the majority of the debt consists of penalty charges and extortionate interest. By my calculations the one month loan + interest would be £1300ish, they have taken £225 from me so the maximum balance i could be defaulted on should be closer to £1050-£1100 shouldn't it?

What would you guys do?I already have one default currently registered by Mackenzie Hall so i'm already a little bit buggered for a few years anyways, advice?

Edited by Heropanda
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Don't have much knowledge with regard to these loans, but, to be honest negoiating removing anything from a credit file unless you have proof positive, is really a non-starter.

 

I really can't offer any advice as to the options you list, so hopefully others with more knowledge will be along soon.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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your actions wern't the best? Mate no one here will judge you. you've done nothing wrong!!the guys on here will no doubt advise you of the best way to go on. all i will say is i took onboard advice i have seen here and it's working! however nothing happens overnight so just bide your time (this is something i've had to learn since i have been here!)we are here for you mate!!

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