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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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barlcaycard/capquest account in dispute passed to AIC

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I have been dealing with crapquest re a barclaycard account.


I cca'd them on 22 july 2011, they sent the usual account on hold letter, after the required time i sent account in dispute letter,

they replied with letter stating it was with "quality control"??? heard no more (no they havent returned my £1).


today i recieved a letter from AIC for the same account.


Has something changed,

I thought they couldnt pass to another dca if it was in dispute.

I seem to recall there was a template to send to a dca that takes over an account in dispute but, cant find it.


Does anyone have the link for it?


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  • 3 weeks later...

ok have an update, sent letter to AIC and had letter from capquest stating that as no payments had been made Barclaycard have taken back the debt and they will refund my £1, I have now recieved another letter from AIC stating:-


"as your above account remains unpaid allied international credit (uk) Limited (AIC) are currently reviewing your file within our collection departmant to consider if further action is warranted.


the immediate options available to you are as follows.

* make a one off full and final settlement payment on your account, please call the number below to discuss the discount options. further to your submission of the agreed payment, neither we nor our client will pursue you further in regard to th above account.


* submit a down payment 0f £***.** (25% of the balance), then repay the remaining balance at £**.** per month (remaining balance paid over 48 months)


* repay the balance at an amount of £**.** per month (remaining balance paid over 36 months)


Please note any subsequent late payment or default on any of the above options may result in any aettlement or repayment offer being withdrawn.


Alternatively if you are anable to propose any of the above options please call to discuss your account.


Failure to contact us immediately on the teçephone number below to discus your account may result in a recommendation to our client that proceedings should be initiated against you.


okso any advice on what should be my next action, should I ignore them? send AIC a cca req (they have no chance of getting it its from approx 1979-81) or should i just refer them to my previous letter about it being in dispute with Capquest (tho they have now washed thier hands of it)


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You could ignore them, or continue playing the game of letter tennis.


They have nothing enforceable on you IMO, offering you discounts is indicative of this, you requested the CCA once, it failed to materialise there is no requirement to send another request, the account is disputed, so you can tell them of this, or just ignore them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Ahhh, I miss letter tennis with Crapquest :violin:


Probably send you an application form and outdated/incomplete T&C's from a different year to the debt.:roll:


After trying originally to make arrangements with original creditors, apart from First Direct who were great, I'm just ticking the days off to all my debt being SB'd next year! :whoo:


I'd just make sure you have sent the 'In Dispute' letter, for when they sell the debt.....well 'try' to as no DCA will touch them with a pooh stick:!:



Escaped the DCA nightmare, now helping others start businesses


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