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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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Storecard PPI - Creation Finance


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Oh and with regards to the CPP - they have also sent me the memo notes from my accounts and on 10/05/03 there is a note which reads 'CPP policy cancelled as per report from CPP'?? There is also a note dated 11/10/01 which reads 'double cover cancellation*C did not request'

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  • 2 weeks later...

Hi claireb1983,

 

Have you had any luck, have just had my response from the questionaire i got from MSE site........They have shut me down straight away, sent me unreadable forms saying i agreed to ppi etc and that a refund is unwarranted.......

 

Any luck?

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well ofcourse they will if you dont dos the fos cq a spreadsheet and covering letter

 

just following a site template they've seen 1000's times before

its obv you've not researched it.

 

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 excuse me dx!!!!!!

 

Only did what any normal person would do, most people i know (real life) have only had to make a few phone calls and have had money refunded, i guess i hoped with my letters and quetionaire's i may of had even more of a chance!

 

But thanks for your informative and friendly comments!

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show them you mean business

 

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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Hi sianb1979,

 

No I havent had any joy yet in relation to PPI, I also did a SAR and have all my statements but cant make any sense out of them at all. Whilst they have rejected my claim for PPI, they did refund all my charges and sent me a cheque for this.

 

I havent yet taken my PPI claim further as I believe that they werent under FOS juristriction at the time so not quite sure of the best approach and whether it may be more hassle than its worth.

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  • 2 weeks later...

i am having same problem with creation,they have rejected ppi claim as box ticked on original agreement {form filled by shop assitant},incorrectly spelt name on original agreement and was not in employment when form filled out{thisis part of their eligibilty requirements for cover},this is their final response but have said i can go to the FOS.

 

According to my sar they closed my account in 2008 but since then they have carried on putting charges ,3d insurance and interest onto account.

 

has anyone got any good ideas how to take this further?

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well tell them that then

 

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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  • 3 weeks later...

I have just received my SAR from Creation. Now I have the evidence to make my claim for mis-sell.

 

On the application form (filled in by the shop assistant) I have declined an additional card for my partner but yet they have ticked 'Yes' for Creation 3D protection, not for me but for my partner? :-x

 

Also the CPP section has been crossed through, yet still added same time each year :mad2:

 

So here we go, let's see them wriggle out of this one.

Good luck everyone

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  • 4 weeks later...

good news i have won ppi claim with creation with interest after sending them evidence that was mis sold due to being disabled before account opened no claim would have been paid.

on another point can they now reopen the account and add charges going forward {interest etc}.i have notice from them account closed in 2008 then reopened in 2009 with over £3k of more charges and interest added since 2009,now looking at my credit file it says account open now they have taken ppi off.

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can anyone tell me if they have broken any rules by closing the account in 2008 then reopening in 2009 closing it again in 2010 and now reopening again after removing the ppi and interest from balance,surely when the account was first closed this terminated the original agreement so how can they does this to suit themselves?

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closed is not terminated me thinks.

 

you'ed hve a termination letter .

 

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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not had termination letter but one saying account closed in 2009,they never charged interest from 2008 to 2009 then started again late in 2009 until late 2010 then nothing again and passed to dca,now after removing ppi account now saying on credit file account open surely if they have closed account they have ended the agreement

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Creation refused to pay me back any ppi money what so ever so I sent my complaint to FOS and they told me they could not help either but reccomended i try trading standards to try to leaver them into paying me.................Creation are the scummiest dirty basts even their switchboard staff are the lowest of the low

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