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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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Paye Underpaid Claim from HMRC


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Hi,

In 2007-08 i left my employer and started a new job. However i was never given a p46 on starting out.

Recently i recieved a demand letter from HMRC claiming i had underpaid tax and therefore needed to pay £835.09 next year. I appealed this and hmrc admits the employer should have provided me a p46,but it was also my responsibility to inform them of any changes that might affect my personal tax allowance.

 

Can anyone advice on how to go about this as i have appealed twice and hmrc have stuck to their guns.

Thanks

Edited by keyno
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but HMRC would have had a copy sent to them!

Try to cliam under ESCA A19 in that they had the information and failed or delayed the use of the information within a reasonable time.

Worked for me, but as yopu said took quite a few goes until they actually agreed to it.

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Tell HMRC that you had a reasonable belief that your tax affairs were in order on the grounds that you are an unrepresented tax payer (no accountant or tax agent acting on your behalf) and that it is your employers responsibility to provide you with form P46 and send it to HMRC

Gbarbm

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This is a letter i have drafted. Please let me know if it does the job.

 

 

 

 

 

Dear Sir /Madam

Application for consideration of a 72 a Direction due to Employer error

I have received your tax calculation which suggests that I have underpaid tax.

Not being an expert in tax matters and being an unrepresented tax payer, I had no reason to suspect that I might not be paying enough tax. I had thought that all the tax that I was due to pay was deducted under PAYE. I believe that the underpayment has arisen due to negligence on the part of my employer.

I am therefore requesting that, under the provisions of Direction 72a , my employer should be held liable for the tax. In this regard, in accordance with your guidance I understand that when considering my application for 72 a Direction you should first consider whether there has been any fault on the part of my employer and therefore whether you should instead recover the underpayment from them. My employer was negligent and careless as they breached the PAYE regulations by not providing me with a P46 as stipulated. At no point during my employment did my employer offer me a p46 to ensure i was on the proper tax code.

Please suspend any action to collect the underpayment – by way of my PAYE coding for a later year or directly – pending the outcome of your investigations.

 

Yours Sincerely,

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dont you get a P45 when you leave employment, to give to new employer!

Your new employer would of asked for, and would have put you on emergency tax code until sorted.

And yes it would have been up to you to sort out.

However they would have informed HMRC of you final tax though!

That is why suggested ESCA A19 route.

Good luck anyway.

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