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    • Hi caggers, OH got a vanquis card, defaulted and made a last payment in July 2015. Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that). They did send her a CCA and breakdown of spends. The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there. I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to claim for as she only had a £500 limit and the amount they want is near £900. So I fired off an AID letter stating the CCA was illegible and at the same time sent a SAR to them specifically asking for a copy of the DN, Breakdown of charges and Interest and anything else they hold. They come back acknowledging both letters but still asked what she her intentions are regarding the account with failure to do so possibly resulting in a claim form incurring costs. They also said they will not send any further copies of the CCA as they've already compiled with the original CCA request. Am I correct in thinking the CCA has to be legible and that this is grounds for the AID? I'm happy to come to an arrangement to clear the right amount owed but not some over inflated figure. Thanks PM
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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?
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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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Overdraft offer instead of a loan

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Last year I was changing jobs and moving away from London. As I would no longer be relying on public transport to get to work I needed a car. I've not had any credit for over 7 years and so only my bank account showed on my credit report so I had minimal credit history, although a very good one according to the 3 CRA's. Although I did have some debts over 6 years previous but these no longer showed on my credit file and were not with Lloyds. I therefore turned to my bank.


Their branch staff showed that their system would allow a loan way above my requirements and so I applied for a loan to meet my requirements and well under their limit.


The guy processed the application and it declined. I queried this and he contacted Lloyds' lending team who stated that something negative was on my file and that they would not offer a loan - even for a smaller amount.


I queried what the negative was as my account had been managed in very good order with the exception of one month where I went over my small £100 overdraft limit due to a DD hitting the account later than expected ( i thought it had been paid already).


They refused to give me the reasons, hiding behind the fact that the do not have to do so. I asked that they investigate the negative and assured them there must be some mistake as my credit file was good and that they could see over £2000 a month going into the account and that on the whole the account was managed well. They simply said that as I had gone over my limit recently they wouldn't even look into it further. I suspected this was an excuse that they didn't want to tell me.


They did however offer me an overdraft for the loan amount, at a far higher interest rate and a far more irresponsible way of lending.


I had no choice and took it.


Recently, I went over my o/d limit by a few quid and although they refunded the charges, I queried that had they given me the loan in the first place I wouldn't be in the situation where I had such a high o/d. I therefore raised a complaint.


Their complaints team still won't divulge why they wouldn't lend the money via a loan but only an overdraft and what is on my file with them or a 3rd party that is having such a negative effect on my credit score. I have checked Experian, Call credit and Equifax and my credit score is excellent with no negatives at all.


My question is how can I find out why they are scoring me in this way - even their system said I was ok? And, is their lending via o/d and not a loan covered by BCOB? They are clearly not treating me fairly and by managing my lending via an o/d rather than a loan, I can't be doing my score with them any good - in fact it's irresponsible to lend a long term debt in this manner.


Any thoughts on where to go with this?


I don't really want a loan as I'll clear the o/d in a couple of months anyway through my company bonus but do want to find out why they have me as blacklisted when the CRA's have me down as excellent.


I would move banks but am looking to get a mortgage in a month or so and don't want to damage my credit rating by moving banks.

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It could be that you may have been crediting your account with £2,000 per month, but it looks like you were also withdrawing that amount so no guarantee that payments would be met.


Also, knowing the attitude of banks, a loan is regulated, an overdraft isn't and they make a lot more money from an overdraft.


Have you done a check with all the credit ref agencies? The bank must tell you which agencies they use for checks.

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