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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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preparing a court bundle for small claims against bpf finance

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Can anyone help..... i have a small claims court date of 26th july 2013 against BPF, I have been through the FOS and they partly upheld my case. it was for a training course through HIT/PROPERTY PROFESSIONALS which went into administration in 2010. I cant afford legal representation and am seriously concerned about my ability to produce a satisfactory bundle. My claim is on the grounds of misrepresentation, section 75, and possibly " non- est factum. Could anyone help as the more i try and produce this bundle the harder it becomes


thanks in advance

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Hi Berti and welcome to CAG


Thread moved to Legal Issues forum where I hope you'll get the advice you seek.


I suggest you give a little more info re the circumstances that led to the claim, and what has happened with the claim to date. Include approximate amounts.



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Thanks slick,

the company went into administration whilst i was still training. BARCLAYS tried to remedy the breach by arranging a new supplier but it was not like for like...the fos partly upheld my case...the award was 800 as appossed to the £6800 i had paid. i therefore started a small claims against barclays... i have evidence of misrepresentation, and believe they are responsible under section 75.. the remedy of new provider took 5 months and was materially different. hope this helps

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Bundling sounds complicated but it is actually very simple. Don't overcomplicate it. The point of preparing bundles is so that everyone has easy access to the documents needed at trial. If you are in doubt whether you should include something, put it in... better to include stuff you don't need than be in a position where the document you want to show the judge is missing.


Off the top of my head, and without knowing anything at all about your case, I suggest the following steps:


- Put the following documents into a pile: Claim Form, Particulars of Claim, Defence, Reply (if any), any interim orders or directions issued by the court, witness statements, any documents which you want the judge to read or either side might want to refer to at the hearing (basically any important documents).

- Arrange all the court documents in date order. Put them at the front of the pile.

- Arrange all the other documents in date order and put them at the back of the pile.

- Take out any documents which are legally privileged. Basically, you cannot include settlement offers.

- Prepare an index of the documents in the file.

- Send the index to the other side and ask them if the index is agreed.

- If the other side wants to include any other documents in the bundle, then they should go in as long as they are not legally privileged. Arguing about bundles is foolish and pointless.

- Prepare copies of the bundle: one for the judge, one for you and one for the other side. Another copy for witnesses/experts, if any. Bundles should be printed single-sided.

- Paginate the bundles (i.e. write page numbers at the bottom right of each page).

- File a bundle at court as directed (generally 3-7 days before trial unless you are in small claims track).




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Thank you steampowered, that is the simplist explanation yet. it is small claims, i think i have been looking at it all wrong. if i can also ask when preparing my witness statement is there any do's and donts'.

thanks again

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