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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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Am I eligible for Community Care Grant/Loan


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Hi everyone, I am urgently looking for help/advice about whether or not I am eligible for a grant.

I am currently on contribution based ESA and living in an emergency housing hostel and have been for the past month. Previously, I have been sofa surfing since January due to splitting with my partner. I have managed to find a property, the cost of which is Local Housing Allowance + £10 per week from my benefit. The problem is that because the place is unfurnished I have no money to buy bed, cooker, decorating, etc. I plan to have my 2 year old son at weekends but obviously can't if I am unable to furnish and decorate the place. I called into the local job centre and was told I wasn't eligible for any help because I am not on income related benefit.

Any help/advice greatly appreciated.

Thanks.

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Have you tried to claim income based ESA? it can be claimed at the same time as contribution based ESA and is not time limited. It is means tested so if you have low income and savings you are likely to get it, they just pay the one amount but it gives underlying access to things like free dental treatment as well as, perhaps, helping with eligibility for community care grant.

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Have you tried to claim income based ESA? it can be claimed at the same time as contribution based ESA and is not time limited. It is means tested so if you have low income and savings you are likely to get it, they just pay the one amount but it gives underlying access to things like free dental treatment as well as, perhaps, helping with eligibility for community care grant.

 

I initially claimed JSA back in January and was told that it would be contribution based. I have a long history of depression and the split from my partner and son hit me hard. Subsequently, i slipped into a depressive mood and then in May this year my doctor signed me off sick and so I then had to claim ESA which is also contribution based. Would the benefits agency refuse a new claim for income based ESA because I have paid enough NI. Also, wouldn't I have to be on income based for a period of time before I am eligible for any community care grant?

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From what you said in your first post I thought it might be the case that your income, other than ESA, would be below the required amount.

 

They always award contribution based benefits first, if eligible. I know this from first hand experience with a relative who is now on BOTH contribution and income based ESA concurrently (not paid double just an underlying entitlement to income based is now recognised for him) as he applied as soon as he was told about contribution based being awarded. He has only DLA as additional income over and above the ESA and no savings so if it is your only income, and I gather you have little or no savings (othewise you would, presumably, be using them for the things you need in the new home?) then I believe you would qualify.

 

If you are eligible for an income based benefit then I do not see why Community Care grant would not be at least a consideration but also know they are very strict about how much is awarded and in what circumstances. I work on the principal "if you don't ask you won't get" with things that "should" be allowedand from what you say you do not have a lot of options.

 

Have you looked into Budgeting loans? The problem with them is they have to be repaid and are not, in my experience, for such large amounts but again worth trying.

 

Have you spoken to Welfare advisors or CAB about any grants that may be around?

 

What about trying things like Freecycle?

Edited by Slatted
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Thanks for the replies guys. Much appreciated.

 

Slatted; I was also told that the criteria for budgeting loans is the same as applying for communtiy care grant!!

 

Ridiculous is the system. I am not eligible because I have worked and paid into the system!!

 

Like you said Slatted, you don't ask, you don't get, so I've sent the form off anyhow.

I won't hold my breath though i will update my post no matter what the outcome.

 

Again, thanks guys.

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Some passported benefits require only underlying entitlement to a benefit. Some require the person to be in receipt of the benefit. To be eligible for the CCG or the BL, the person must be in receipt of an income related benefit payable by the DWP. Underlying entitlement does not cover eligibility. It is true that a person can be in receipt of both CB and IR ESA simultaneously (and CB or IB JSA) - however this is only the case where the contributory element of the claim is insufficient for the amount the law says a person needs to live on.

 

For example, if a couple were to claim JSA, him having sufficient contributions to qualify for CB JSA but his partner having no contributions, and no other income or capital, the contributory part of the claim would be £71 per week and the IB part of the claim would be £40.45 per week. They would be in receipt of IB JSA and thus eligible to claim a CCG. If however a person was claiming JSA as a single person and was receiving CB JSA at £71 per week with no other income/capital he would have underlying entitlement to IB JSA however he would not be in receipt of IB JSA thus would not be eligible for a CCG.

 

For a BL the person must have been receiving a qualifying benefit for 26 weeks or more. There is no such timescale for a CCG, a person can claim no matter how long they have been receiving a qualifying benefit and in the case of prisoners being released into the community, they do not need to be in receipt but likely to be in receipt within 6 weeks.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Which form did you send? I meant that you apply for income based ESA to be included in your claim....

 

And Erika, how does this effect the person I know who is awarded "both"? His is separated and has no savings....He was allowed to claim free dental treatment and is being told to go for CCG as may have to move out of temporary accommodation.

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