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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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Cabot was Morgan Stanley then Goldfish

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I wonder if anyone could help with advice regarding the above debt my husband has.


Financial problems arose through genuine circumstances around 8 years ago.


There were a number of creditors, most of which were very helpful in agreeing minimal repayment programmes,

to which we have gradually increased payments as circumstances improved.


Total debt has reduced considerably but, at current levels, still a few years to go before being 'free'.


Recently, my husband unexpectedly came into a small sum, so he decided he would try to get one of the creditors to accept a reduced payment in full and final settlement,


so that it was one less to deal with.


This was a Morgan Stanley Card from around 2003 with agreed repayment programme that went to Cabot (received a few Goldfish letters in between).


Cabot declined what was a fair offer (with this they would have had in total over 80% of the original cabot debt figure repaid) which means that,

assuming we continue to pay at the current level there will still be over 4 years left.


As we know Cabot would have purchased the debt for such a small amount and we've already repaid that many times over, he was naturally a bit put out.


I did try some time ago (2009) to SAR Morgan Stanley but, after receiving responses from Barclaycard,

I only got old statement copies, nothing else,


then a letter saying the account was transferred by Morgan Stanley to another creditor prior to MS business being sold to Barclaycard so they hadn't owned it.


Would it be too late to query the debt now, as we've been paying for so long?


I've looked at old paperwork more thoroughly and, we received no written letter from OC to say Cabot were taking over the debt,

only the Cabot 'hello' letter (p1-3) with a page supposedly from Goldfish but clearly annotated down the side as p4

showing no card number or balance on this 'Cabot' NOA.


We just never queried it before.


Could we at this late stage withhold payments pending proof of legal right to chase the debt

and ask for the CCA agreement to show they have the right paperwork to claim on?


Do you think it would be worth the hassle?


Any thoughts on the SAR fiasco?....Can't get info from OC as they pass to Barclaycard, who don't want to know?


Any thoughts/suggestions apreciated.

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CCA cabot - yes.


ideally you should do this on all your debts


if a debt does not show on your CRA file

then, ultimately, theres little point in paying it off.

use the money to improve your currently showing debts.


old not showing debts are doing you no harm & cant comeback on the file either.


whom have you been paying all these years?


have they EVER sent you a statement better than once a year?



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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Thanks for your response.


We had an agreement with MS but, when they went to Goldfish, they defaulted us and sold to Cabot.


We've just been paying them ever since (they continued the existing agreement we'd had and we gradually increased payments).


Have't checked Credit file to see what's currently on there (this was originally defaulted in 2008 so I think may still be on there as agreed repayment programme?


Cabot haven't sent any statements at all.

..however, from the last letter we'd had April2013, the balance was what it should be (no interest ever added to date as we'd kept to repayments).

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if goldfish sold the account

then theres something wrong with it


could be PENALTY charges

could be PPI


quite honestly, it sounds to me like you are being cash cowed.


I hope none of your other debts are the same...blindly paying someone a small token payment for years without QUESTIONING the debt .



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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