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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.
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      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.
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      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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Barclaycard not closing account - gambling problem

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I have a compulsive gambling problem. I took out a 8k loan in Sept to pay off two credit cards MBNA and Barclaycard.


After I cleared these two cards off, I took what I felt was responsible actions to close both of these credit lines and to remove temptation.


I contacted both MBNA and Barclaycard through their online messaging consoles.


MBNA cancelled and closed my account within 24 hours of contact.


Thank you for your message Mr. ******. I have closed your account today. Please destroy your credit card and PIN. If you've given your card details under this account (ending 8115) to any organization to make regular payments to them, such as annual or monthly subscriptions for magazines, Satellite TV or Insurances, please note that these may not be paid once your account is closed. We would suggest that you contact those organizations direct to confirm cancellation of these payment authorities and arrange to pay them another way. You may receive promotional material until 30 December 2013 as this is already prepared, please destroy any such mail. Your account may take up to a month to register with credit reference agencies as closed. I can assure you your account is now closed. You will see interest on your statements until the month after you make your first full balance payment, as interest is charged one month in arrears. I can assure you your account is now closed and cannot be re-opened. You will receive confirmation of this by letter to ******* Many thanks.


Fromhead.gif You

Hi there


Can you please cancel and close my Barclaycard account.


On receipt of e-mail confirmation of account closure I will destroy and discard of credit card.


Many thanks





I received this response about 30 mins later


Dear Mr *******


Thanks for your message regarding the closure of your account.


Your request has been forwarded on to the relevant department who will contact you shortly.


Should you have any other queries, please do not hesitate to contact me.


Kind Regards,



Customer Service Advisor

Barclaycard Customer Services

However I never heard from Barclaycard as per my simple request to close down the account ASAP.


The account remained opened and about 12 days later I started to gamble using a card I had requested in writing to close.


I gambled about 4.6k on this card.


I take full responsablity for my compulsive problems/illness, however I feel that Barclaycard should have took action when I contacted them (like MBNA did), they were quick enough to respond, so why didn't they just close down the account? The balance was 0 is was an easy action surely.


If they looked at my previous statements they would see the problems I have.


I think I took reasonable steps to close the account, and would like an explanation as to why it was left open despite my request.


I have now lodged a complaint with them, because despite my admission to gambling problems, if the account had been closed on my instruction I would not have been in a position to **** away more funds.

Edited by gersnet
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These are/were continuous payment authorities on debit/credit cards to the gambling sites?

Did you inform the sites you were closing your accounts as well as the card issuers?


In my opinion you should demand that BC reverses all the payment (charge back) made after the date you told BC to cease payments.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Hi Gersnet,


Did you use the actual credit card to run up this credit of £4.6K.


If so, I do not see how anyone else is responsible. Surely the answer would have been to destroy the card yourself when BC said your request would be passed on to the relevant dep't.



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  • 1 month later...

Hi there gers, as you are probably aware the best course of action would be to close the bookmaker/gambling site account.


If you can't stop, is it worth cancelling your internet connection/smart phone so you can't gamble online? Have you tried GA at all?


To be honest, although the credit card company have been lacking, I don't think they can't be held responsible for your actions. Call them and tell them to put an immediate stop on your card so no further damage can be done.


I'm sorry I can't be more helpful, but wish you the best and hope you can recover from this.

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