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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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HFO Services/Turnbull Rutherford


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Thank you for your information / advice so far.

I have 2 CCJ's that have been with HFO Services / Turnbull Rutherford, which have been in force since Oct/Nov 2007. I pay £1 per month on each. As I stated earlier, they did try to say I had arrears and take me to Court on one of these CCJ's previously. This appears to be what they are trying to do again. The last time the case was transferred to Manchester - they didn't turn up and it was judged 'out of time' and it was thrown out. They are using one of the CCJ Claimant Refs on the letter that I have just received from them and are stating that I'm in arrears again, which I'm not. The Post Office returned my last payment to them, and the Post Office informed me that the 'addressee had gone away'. This was the first I heard that Turnbull Rutherford were no longer working from this address. Turnbull Rutherford didn't inform me of a change of address or anything else for that matter. They also have never sent me an annual statement or notified me of any interest.

I no longer have the help of Manchester Advice as because of cutbacks, that Department no longer exists as part of Manchester City Council. I was going to go to Citizens Advice to get some help but then I thought I should try the internet and then here first. To my surprise there's a whole host of information about the shenanigans of HFO/Turnbull Rutherford !

I would be grateful for any advice or information given.

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Yes, please keep this thread – the other thread was mine and a general one for HFO.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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The problem here is that you have CCJs. Can you give us a very full history of what has happened, from the day you took out the cards?

 

Did you not contest the claims?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Thank you for your replies.

Unfortunately as this was not handled by myself but Manchester Advice, I don't have all the paperwork, just the copies of the CCJ's themselves. Manchester Advice are no more so I'm unable to rectify this. Therefore I don't know whether Manchester Advice contested the claims on my behalf. The papers I do have are entitled Judgment For Claimant (after determination) - these were issued on 17 Oct 2007 and

9 Nov 2007 from Wandsworth County Court.

They tried to get another Court hearing regarding the latter of the CCJ's - they claimed that I was in arrears. Firstly this was to be held in Norwich and then was transferred to Guildford for some reason. At my and Manchester Advices request, it was transferred to Manchester - I do have some paperwork for this - at the end of this it states that 'The interim Charging Order lapsed on 9 April 2009. Incidentally, this is the same CCJ they're trying to say that I have arrears on now.

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can you post up the judgements, removing any personal info.you should also contact Wandsworth to obtain copies of the original claim form N1, the claim No wil be on the general form of judgement or order N24.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Do you own a property? Have they applied for a CO? More info on your circumstances and what happened about this previously needed.

 

Hi and Welcome by the way :-)

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