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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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.
       
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      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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Savings and income support


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Hi

I receive income support (as well as other benefits due to a spinal injury). I also have an endowment mortgage which I am looking to change to a repayment mortgage. This will result in me cashing in my endowment policy which will pay out £13500. I am going to replace my car, pay off a few debts and do some long overdue house improvements, all of which will reduce the ammount left to about 5 or 6 thousand. What I need to know is do I need to inform the benefits agency about this, and if so, what will happen? I will be spending the money within a week or 2 of receiving it.

Your advice will be very much appreciated.

Thank you

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Once you get the £13500 you will need to inform them as until it is under £6k your benefits will be cut.

 

Paying off debts etc could be seen as deprivation of capital, depends on the nature of debt/ spending

They can also look as you buying a car home improvements, depending on price and need.

 

Not reporting it could be seen a fraud.

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Paying off debts etc could be seen as deprivation of capital, depends on the nature of debt/ spending

 

If it's minimum repayments, it's fine. There's something about how if it's got to the stage where it's reached court and it must be paid off (ie, £1000 of unpaid council tax) that's reasonable too.

 

You need to keep receipts of everything you buy.

 

Any car / home improvement stuff needs to be seen as reasonable. This would depend on your disability too.

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Thanks all

 

I have decided to apply the endowment directly to the repayment mortgage, which is what the mortgage company wants me to do anyway. The endowment is assigned to them, but they are willing to release it if I insist. At least this way, the money (which was never going to be life-changing) will be assigned to its original purpose.

 

Thanks for the good advice, as always.

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That may still be seen as deprivation - unless it's minimum repayments.

 

I agree.

 

As the OP was thinking of using money elsewhere, that would show that it doesn't have to go into a repayment mortgage, so deprivation could still apply.

 

When the policy is cashed in the OP has a duty to inform DWP.

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Good grief

It's probably going to be better to just leave the whole thing as it was. I don't think I can cope with the stress of explaining it all to the DSS. I think they will think I'm trying to fiddle them, which I'm not. I only started looking into this because my endowment is going to be about £15k short when the mortgage finishes in 9 yrs time, so I was looking to change the mortgage to a repayment one as there is no way I will be able to find the shortfall. As things stand we will need to sell the house and either live with our elderly parents or rent.

This has been quite a learning curve, thanks again for the advice, glad I didn't just go straight into it.

Edited by Westie1
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You have to be so careful :(

Example

You could buy a £20k car with HP

but if you borrowed it from a bank, and had access to money before you bought the car (say money was transferred into your account) then the £20k would be classed as capital.

Then buying the car could been seen as deprivation of capital.

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I only found it out on this site, something I wouldn't have thought about.

 

Another thing I leant, if someone's parents were helping a person out by putting £50 per month in their bank to help pay bills, this could be classed as income and benefits could be reduced.

 

Being on IS is a minefield (I'm on it myself), so I'm trying to learn the different rules so I don't fall foul of them, and also share what I have learnt.

 

EDIT

People with much more experience than me do read the threads, and all comment if they don't agree with me.

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I think you should discuss this with DWP and ask for their response in writing. This way, if someone says you have disposed of capital in order to get benefits, you can show them the letter.

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