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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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    • 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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How many times a day is a DCA allowed to call?


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Interesting phone call 5 minutes ago from Lowell

 

I stated everything in writing and stop harassing by phone.

 

Answer was they can legally phone up to 3 times a day until they get a resolution

 

Is this correct?

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once a day. Some judges even say more than once a week is bordering on harassment.

 

If you send them the telephone harassment letter, then they are not allowed to call AT ALL.

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

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Log all the calls, go through the malicious calls procedure with you phone provider and complain to Ofcom about the misuse of the communications network.

 

Once you have informed them you will only correspond in writing only, any further calls IMO would be harassment, which is a criminal offence.

 

Send them http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone send it 2nd class but obtain proof of posting, which is free from the PO counter.

 

Now what's the debt?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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What is the point of calling more than once a day, or even once a week.

 

"telephoning until they obtain a resolution is an admission of harrassment IMH" !!

 

In the case of Roberts v Bank of Scotland plc and another [2013] All ER (D) 88 (Jun) in the Court of Appeal.

 

The court concluded that:

 

(1) The existence of a debt did not give a lender the right to bombard the debtor with calls. It was for the debtor to decide whether they wanted to discuss the matter with the creditor.

 

(2) In respect of the harassment appeal, the claimant had made it perfectly clear that she had not wanted to speak to the bank, and she had been perfectly entitled to do so. Once the bank had phoned a few times, it had been clear that no progress was to be made. Further calls had been futile and should have been stopped. The judge had been right to characterise the calls as intimidation and they had been wholly unjustified.

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Send that letter asap. Give them a few days to act on it. if they call after theyve got it, then you can start harassment complaints.

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 actually got a "FFS do you seriously think that we are going to write every time we want to speak to you?" from a DCA when I insisted over the phone that everything be put in writing.

 

They never write, and whether they still phone or not I have no idea as all unknown numbers get screened out and don't even ring on my phone any more. The point is that I told them not to phone so it is up to them whether they want to waste time or not.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Its not my debt .......... I don't know who it is but I will do the letter and post tomorrow

 

Thanks everyone.

 

I keep getting calls on my mobile from a mobile, and they're different numbers but in very close proximity to each other some even the next numbers. I think it Lowell too because last year had a SB debt and got rid of them.

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The mobile numbers are a favourite trick too...and unknown landline numbers but with your local STD code to try and fool you.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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New-me, put any number you don't recognise onto this website, it will either flag it up as who it really is, or you can just enter it on there as a pest caller.

http://whocallsme.com/

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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