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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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Lost my job due to Defaults on Credit Report - please advise!!!!


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Hope you can help me?I have been working in my new job (Investment Banking) as a contractor for a year now and got offered a permanent role. When then did a 'thorough' credit check they asked to see my Credit Exeprian report which has 6 defaults on there (from when I lost my job a few years ago and couldnt keep up with repayments and STUPIDLY buried my head in the sand). Because of these defaults they have decided to withdraw the offer of a permanent role AND end my contract.I have been making regular repayments without fail for 2-3 years now on all these defaults.My questions are:a. if i manage to come to an agreement to settle the account will the default STILL STAY on my report until the 6 years is up?b. if im making regular repayments can they change the default 'level' (its at 8)?c. is there any way to get these defaults removed?I fear this is going to affect every job I try to get now... in my day the credit checks werent so stringent but it seems now times have changed.Really appreciate any advise you can give me

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Hi, sorry to hear about your problem it highly

unlikely that the creditors can or will remove

or amend the credit files, the credit reference agencies are obliged to

show a true and accurate picture of how you manage yor

financial accounts, any amendment would that was not true

and accurate could see the CRA and the creditor in breach of

the Data Protection Act 1998.

What ever ''arrangement'' or payments you make will be up dated

on your files as usual and they will remain for the six year period and

then automatically drop off your files paid or not.

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Thank you... If this is the case though surely some people would choose not to pay the whole debt off as it seems to make no difference if you do and the default dissappears after 6 years anyway? Or is that not the case? (I am paying mine off by the way, I am just curious)

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That's the rule the default will be removed

after six years however as you have been

making payments it will not become statute

barred so the debt remains collectible .

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Brig, of course the creditors can remove data. But they choose not to. The whole system is flawed because it was never intended to be used by employers, landlords and their ilk.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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The problem DS is that as set up at present the

CRA and the creditors are reporting the conduct

of accounts under regulation and legislation unde

acts of Parliament such as the DPA it must be

true and accurate,to remove a default simply

because the data subject does not like it or

it's stopping them getting credit etc. is not an

accurate picture of the data subjects management

of their financial affairs.

They are by name and function Credit Reference Agencies

and there is very little IMHO that we can do about it.:mad2:

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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yes but the point i'm making is that employers and private lanlords are not offering credit. the industry grew out of mail order catalogues in the 1970s and isn't adequately regulated.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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I guess that the CRA's are now also looked upon

as references for ''general reliability'' of consumers

a landlord does not want a tenant with a record

of non payment and a financial business does not

want some one with perhaps CIFAS, GAIN or CCJ's

on their records.

As chair of a charity I'm checked regularly, it worries me not:madgrin:

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I'm sure they don't want that, but thats not the point.

 

the questionj is should they be able to utilise a credit referencing service, and which is notoriously inaccurate and difficult to get put right when errors are made.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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I 'm not a supporter of CRA's. but I use

them professionally most days and rarely

find any that are errors directly attributable to

the CRA, and few that are made by the creditors

entering information, many of the matters I am asked

to look into are for people who have misinterpreted

the information on the report and also those who

think a default entry is wrong or unfair this is rare

in my experience..

I've lost count of the times that I have dealt with

complaints that ''my creditor score is defamatory, libelous etc.

The fact is it cannot be either as it is seen only by the data

subject as a ''general'' guide to the management of their

credit accounts and not seen by potential lenders.

I agree that they are not perfect but what is today.

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

Please Consider making a donation to keep this site running!

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Agree with most you say Brig but the problem starts when creditors do put incorrect defaults on your file and refuse to amend/remove the incorrect data. This has happened to me twice and the creditors would not change/amend data I had to go through FOS to get one record removed when duplicated under a different department of the same creditor and another changed to reflect the true position of my credit account after removal of charges and PPI showed that I had not been in arrears as the creditor had reported.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Good can you imagine what a state

we would all be in if there was no

''protection'' to alert us of such problems

as you quote and only prospective lenders,

banks etc., were the only ones to have access

to the data.

Better drop this now already been told off by

Citizen B for going off topic:focus::focus::sorry::madgrin:

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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rarely

find any that are errors directly attributable to

the CRA, and few that are made by the creditors

entering information,.

 

Not my personal experience mate, nor of many others posting on here.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?279026-HSBC-Credit-File-Entries-Cost-Me-A-Job-Advice-Needed&highlight=hsbc+job+offer

 

I suggest you read this poor bloke's experience of loss of employment caused by data abuse and the sordid cover up that took place ^ ^ ^ ^

 

The link is very much ON TOPIC.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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