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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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lloyds tsb


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hi all need a little bit of advice again on this above

 

received a letter supposed to be from lloyds bank saying they have passed this account on to Moorcroft

 

this was taken to court in sept 2009 which they won

 

i have been paying instalments ever since and asking for the full amount can they do this?

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nope ignore moorcrap totally

they don't own the debt

and are a powerless DCA.

 

 

lots of Lloyds customers in the same boat as you have had the same letter.

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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hi all need a little bit of advice again on this above

 

received a letter supposed to be from lloyds bank saying they have passed this account on to Moorcroft

 

this was taken to court in sept 2009 which they won

 

i have been paying instalments ever since and asking for the full amount can they do this?

 

I did not think they could sell a court debt. Though rules may have changed that they an do. They should have been made aware of the court order so don't bother to do anything carry on playing who the courts have ordered you to and how much you have been ordered to. Unless you receive a court order that says to pay Moorcroft then don't.

 

If they start harassing you tell them in no uncertain terms they are to go away as the courts have ordered you pay Lloyds at XXX a month and you will continue to follow the courts orders. If you do tell them they will deny any knowledge of the court order as Lloyds did not tell them. I no this might smell like BS but they will try anything if even once.

 

On and to ,ake you laugh the local Moorcroft agent came banging on my door for the dead ex resident and told me l would be arrested for obstructing him if l did not go get my dad. I laughed at him and treated him to a lesson in the law. I had been sending all letters back to the people who right to the ex resident

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I've had one of these also (see separate thread)

 

In terms of mine Lloyds do appear to have sold one debt that is subject to a court order but the Moorcroft one says transferred not sold whilst the other one does say sold - I think the point I'm getting to is it appears they can sell on debt that is subject to a CCJ but going off the other threads and my own it looks like Lloyds are sending a large number of older debts to Moorcroft.

 

Do you know thinking about this I may write to my MP and complain - after all the bank is part public owned (about 43% I think), surely it should be doing all it can to help us? Yeah right, and pigs might fly.

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ofcourse a creditor can sell a debt subject to a CCJ or a CO . GM

 

 

but until you get a notice of assignment you ignore the fleecing dca's.

 

 

as for the dead persons debt

I would have had more fun with that one...

 

 

get him to repeat that on film ... arrested my foot, !!

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I called the police l did not need the stress. They had been told enough but the police said they denied any knowledge of receiving the letters back. I told the police that l would want the person arrested for breech of the peace if he came here again.

 

When the police officer got back to me they seemed to no that they were a bunch of chancers as he was arrested at a neighbours round the corner who had moved in a week before me and the person had moved to a nursing home but been told. The guy has not been back since and Moorcroft has gone away.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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really little tike

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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well it as arrived letter from moorcroft telling me to get in touch cancell all standing orders the account will be managed by moorcroft and not lloyds they want a new payment plan :roll:

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well it as arrived letter from moorcroft telling me to get in touch cancell all standing orders the account will be managed by moorcroft and not lloyds they want a new payment plan :roll:

 

Shuddering...perish the thought :bored:

 

How are you Dora..long time no chat.

 

Andy

We could do with some help from you.

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Not if Moorcroft have got their hands on it :-D

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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well another letter arrives today from moocroft:-)

 

 

we acknowledge receipt of your recent payment against the above debt which we note was made direct to our client,

we would refer you to our recent letter which informed you that we are now responsible for the collection of your account and would therefore ask you to contactact us within 7days of the receipt of this letter with an offer of payment

 

 

it is inportant that all future payments are made directtly to us in order that we can ensure that your account is adminsterted correctly

this will assist in ensuring that no further collection activity will recommence

any payment must be attached to this letter and made payable to moorcroft ltd alternatively please contact deatails below

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nope off and bugger Moorcroft

you don't own the debt

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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well another letter arrives today from moocroft:-) we acknowledge receipt of your recent payment against the above debt which we note was made direct to our client, we would refer you to our recent letter which informed you that we are now responsible for the collection of your account and would therefore ask you to contactact us within 7days of the receipt of this letter with an offer of payment it is inportant that all future payments are made directtly to us in order that we can ensure that your account is adminsterted correctly this will assist in ensuring that no further collection activity will recommence any payment must be attached to this letter and made payable to moorcroft ltd alternatively please contact deatails below

 

Dear Moorcroft idiot.

 

 

Thank you for you letter dated xxxxx.

 

I DO NOT ACKNOWLEDGE ANY DEBT TO MOORCROFT.

 

As per the court order dated xxxxx l will continue to pay lloyds at the rate of xxx.

Please find enclosed a copy of the order

 

Should you send any more letters to me they will be return to u with a brick attached.

 

Regards

 

Dorabell

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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hope your well Dora. l would just tell them to foxtrot oscar but do what u think is best

 

Love GM

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 4 weeks later...

another letter :roll:

we do not appear to have received any contact from you in relation to our previous letter

we have now taken over the administration of the repayment account on behalf of lloyds bank plc

(they said that in the last letter ):roll:

 

 

we understand that you previously had a plan in place and we can confirm that we are happy to continue with this arrangement( yeah right) please contact us in the next 7days so we can confirm the repayment details and discuss your prefered method of payments

 

we must point out that we are committed to attempting to help you re-establish your previous arrangement or to agreeing an alternative arrangement that you can afford and maintain

 

 

How ever if you do not contact us you may leave us no option but to recommend to our cleints that they consider taking further debt recovery action against you ( they already have taken this to court ):roll:

 

 

which we will involve us making further attempts to contact you via letter and telephone calls please do not ignore this letter if you need assistance please contact us

 

are these letters for real :lol:

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taken over the administration of the repayment account on behalf of lloyds bank plc

so they still dont own it then....

as the guys, carry on paying as per the court inst order, to loyds?

IMO

:-):rant:

 

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Dorabell - did the SAR give you any useful information? I'm in a very similar situation to you with LTSB - see my thread. Just got another letter from Moorcrap this morning noting that I've paid their client direct and not them. Shame.

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not doing anything wrong in paying as per a court inst order.

until a 'third party' actually owns a judgment, then tough..not much that they can do without owning the matter.

IMO

:-):rant:

 

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