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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.
       
      • 3 replies
    • 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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Carter/lowells - court claim for old Aqua card debt


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Hi I had a credit card with aqua which went to Lowell Financial Limited.

 

This then went to a company called Fredricksons.

 

I had a letter from BRYAN CARTER SOLS on 19 jul saying i needed to contact Fredricksons within 14 days (which I didnt)

 

now received letter dated 9th august which says

" we have been instructed by fredrickson international limited on behalf of lowell financial ltd to issue court proceedings on 23 august 2013

if payment of this debt is not received by us by that date"

 

Question is what do I do??

I have never written or spoken to any of these companies.

 

thanks in advance for any help

 

***Forget to say on letter dated 19th jul.. it says our client lowells, then asked by fredricksons to contact and on bryan carter headed paper ??? very confused..

Edited by hohohoxmas
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Hi I had a credit card with aqua which went to Lowell Financial Limited. This then went to a company called Fredricksons.

I had a letter from BRYAN CARTER SOLS on 19 jul saying i needed to contact Fredricksons within 14 days (which I didnt)

 

now received letter dated 9th august which says " we have been instructed by fredrickson international limited on behalf of lowell financial ltd to issue court proceedings on 23 august 2013 if payment of this debt is not received by us by that date"

 

Question is what do I do??

I have never written or spoken to any of these companies.

 

thanks in advance for any help

 

***Forget to say on letter dated 19th jul.. it says our client lowells, then asked by fredricksons to contact and on bryan carter headed paper ??? very confused..

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bryan acts on behalf of others. As soon as a defence is filed ( he doesnt care what the claim is for), he runs off and leaves the creditor to pick up the pieces.

 

You say it is for a credit card. When did you last make a payment to the debt, and acknowledge it in writing?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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i last made a payment on this about 4 years ago. It may be even 5 years ago but I would have to back track and check. used to have it on a dd but cancelled when they wouldn't stop my ppi and were overcharging me even though i had a dd in place.

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  • 3 weeks later...

so did you get court papers?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • 1 month later...

Well had court papers from bryan carter.

Issued 17/oct

+ 5 days = 22nd Oct + 14 days = 5th November to respond.

 

1) am I better to respond now? or leave to closer to the 5th Nov

 

2) also if I do the AOS would it then be that I have a further 14 days from 5th nov??

 

never had any default notice

 

not sure where to go from here ?

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You have 33 days in total, 5 for service, 14 to Aos and another 14 to submit defence if that is what you intend to do.

 

Can you type up what they state in the POC?

 

Give us more history of the debt and what action you have taken in the past, it will help other to assist.

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can we have the EXact text of the Particulars of the Claim.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Its probably carters standard one. THey use the same one for pretty much every single debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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