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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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Supposed fraudulent overpayment of tax credits

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Hi, I am new to this and now at the end of my tether. I don't know where else to turn to for advice.


In 2002 after a brief period of unemployment, i was accepted to study as a student midwife. My then partner and father of my only child (who is now 15) wasn't happy as he worked away for long periods of time as a HGV driver and thought that my course would interfere with my spending quality time with our child, so we split.


As he was away for work for long periods of time, it was pointless moving him moving into a property and paying rent for a place that would remain empty, so he moved into the spare room. when he returned home, for a few days at a time, that was when I did my course work or shifts at the hospital.

He only contributed towards the mortgage and our childs maintenance. I recieved no other help from him, either financially or emotionally. Because of this, I applied for and got working and child tax credits, based on being a single parent (which I was!!) This continued until I qualified and got a job as a midwife in 2006 when this benefit ceased.


I casually saw a few people during this period and so did my ex partner. The first letter arrived in 2008 (if I recall), stating that I had fraudulently claimed benefits as a single parent, when in fact they knew that my ex partner had been living there. They were asking for approx £3,500 to be repaid for the year 2003-2004.

I spoke to someone on the phone, and they were made aware of the facts of our residence and that we were not in a relationship and at the time that seemed to make the DWP happy, they even turned up at the door unannounced and they were shown the living arrangements. We were still living by this arrangement as it suited the needs of our child, my ex still worked away from home and neither of us had met anyone serious enough to change these arrangements.

I heard nothing again until 2010, when the DWP now stated that I owed approx £12,000 for a different time period to the last one stated. This time I asked for proof of what they were claiming and A breakdown of the figure that they were requesting.


I heard nothing back. UNTIL February 2012 when I received another letter, this time requesting £21,000 for yet a another differnt time period. And this one threatening court action. I really cannot take any more of this harrassment. I am still paying student debts off, I dont live in a palace, my house is falling to bits as I never have any spare money to fix her up properly and I work full time hours in a very stressful job, so I could do without this stress at home as i know that it is starting to affect my judgement at work. Can somebody please offer some advice!!!!

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Hello and Welcome, samanthapops.


It's not something I can help you with but you should get some advice shortly.






Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Write to tax credits and at the top of the letter in underlined capitals put APPEAL AGAINST OVERPAYMENT

Send the letter by recorded signed for delivery.

In your letter use this phrase "we were maintaining separate households under the same roof"

Explain to them how you organised yourselves to avoid physical contact i.e separate bedrooms

Explain that your finances were separate i.e separate bank accounts

Explain your arrangements for paying bills, buying food etc

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