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    • Well if you have DSAR to CIFAs and Hitachi and cant get anywhere then you can either go to the FSO and raise a complaint or CIFAS Consumer Affairs Team as outlined in the link I have provided.
    • Ok, so read BF's post #7 above with a view to drafting a letter to give the installer a final warning that the delays so far are not acceptable and time is now of the essence. Accordingly you require them to commence works within 7 days or you consider them to be in breach of your agreement and will seek a full refund under s.75 CCA 1974.   Post a draft here before sending, by which time I hope BF will have had a look back in on your case.   Do you have any idea of the likely time the installation was to take.
    • When you say bang. What do you mean? Have all the gearbox oil issues been sorted out. I'm on a telephone in a car so it's difficult for me to go through it all and also to refresh my memory  
    • It may be that the "£14.99 until 2021" means they guarantee no price rise for 12 months.   But, from the rest of the website content shown above, I think it's consistent with a rolling monthly agreement.   X4Less usually charge £9.99 for a 12 month agreement and £14.99 for a rolling monthly agreement.   In any event, find a thread with a draft to send to X4Less's Head Office, offering to pay the final month's fee for the notice period; offer valid for 14 days only, etc, etc.   Follow the advice about using a typed letter and free Certificate of Posting.   Letter us know what you've sent, then keep us posted.
    • It goes on and on, TJ. From what I read, they know we know but they don't care. 
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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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Car Leasing unable to make payments

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Does anyone know what happens if I am unable to make car lease payments? I have about 16 months left of a 3 year lease. Husband has left, financially struggling (to put it mildly). I cannot transfer the lease and the cost for early redemtion is about 3.5k. Any advice on any options much appreciated.

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You should write to them immediately and explain your situation. Ask what arrangement they are willing to accept. Send it by Recorded delivery.


Any chance of an overdraft, banks are easier to handle if you default, you don't have anything material they can come and get.

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Worse case scenario is of course them going to court for a ccj. That £3,500 you quote won't be the end of it. If you did pay that and return the car, you can bet your life there will be a big bill for damage to the car.


You really should get in first and tell them and see what they suggest.

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