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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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worried being evicted on 30th january


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hi my situations bleak and have need help.

I have been suffereing domestic(mental) abuse at home and had no idea that we ere going to be eviticted until a field agent working for g.e money knocked on my door.

 

i received a bailiff eviction order on thursday and its due to go hed on 30th january. i went straight into my local council whom said they had a property for me but it wont be ready until until end of feb and the housing lady put this in writing and told me to fill in an n244 to ask for more time as i have a disabled son who wouldnt cope with moving twice I have three dependant children.

 

i have no idea how to fill in an n244 and feel i am running out of time...i have no where to store my belongings and am going to lose everything.

 

the g.p has put me on antidepressants and sleeping pills and has offered to write a letter supporting me but he says he has no idea what info he would need to put in it so wants me to supply some bullet points for him and i dont have a clue.

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Hi there, there are examples of how to fill in the N244 in this guide http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession and also how to construct a statement to go with Q.10 of the form. In the second post of that thread you can download and print the N244 form and also the budget sheet which should go with it.

 

Have a look at the guide and let us know if you need any further help.

 

You should aks your GP to write a letter addressed to the court stating your present state of health and medication you take. He should ask the court to grant you time so that you can move to the council property which will not be ready until the end of February as the tauma of being evicted would be detrimental to your current state of health.

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hi reallly sorry i have read the guides but am still unsure of how to write out the n244 to ask for more time, do i start it off with saying i needto ask for a delay of eviction or how it came to this mess in the first place and how i was unaware? really struggling

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I'll try and draft something later, but have family here today. Is the mortgage in joint names ?

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do you have a printer at home ?

 

can you be online this evening ?

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OK, I'll catch up with you then

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Hi, when do you think you could get the letter from your doctor ?

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Hi, looks like I posted just before you :)

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i have no family apart from my children, no where to stay or store belongings and my son needs familiar stuff round him, when he has been stressed in the past he has self harmed

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Hi just a couple more questions - has your husband left the property?

You say you didn't know about the arrears - is that because your husband took responsibility for paying the mortgage ?

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yes he took resposibiliy for paying mortgage, i only paid it when he told me he couldnt, he has now left the property but has done so in the past, i am in the process of trying to get legal aid to get an injunction to keep him out. have had legal advice on it but waiting for yet another doctors letter for the legal aid.

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Affixed is the statement for court – you need to fill in the information where there are XXX's at the top of the statement (remove the XXX's) - the information will be on the eviction warrant - read it through carefully to make sure all the info is correct and put your husband's name where there are XXX's. When you print it out the printer needs to be set for A4 paper (not Letter size) so it all fits on one page.

Take a photocopy of the housing authority letter and then write the Claim Number on the top left hand corner then on the top right hand corner write Appendix 1.

 

 

Now assemble as follows:

N244 signed

Statement – signed

Appendix 1 – Housing letter

 

This forms the pack to take to court. Make sure it is stapled securely together – take a copy of it all before stapling so you have a set to refer to in the hearing . When you hand it in you will need to pay a fee of £45 and it will have to be in cash (take the eviction warrant with you). Also ask them if they have any duty legal reps who will be there on the day of your hearing – if you approach them about your case when you get there on the day they can accompany you into the hearing and speak on your behalf.

 

These are the instructions for completing the N244

 

1.Your name

2. Tick Defendant

3. Cancellation of eviction

4. No

5. Tick at a hearing

6. 15 minutes

Agreed by all parties: No

7. Write - Not applicable

8. District

9. Both Parties

10. Tick box for attached witness statement

Cross out all options except The Applicant Believes

Sign and cross out all options except Applicant

11. Sign and cross out all options except Applicant. Enter your address and contact details.

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You're very welcome :) Any questions, just shout.

Don't forget to take a copy of the paperwork before you hand it in to the court and also remember to ask them if they have any duty legal advisors at court on the day of your hearing.

 

Once you have a hearing date post back on here - we can then run through the hearing process with you.

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You would only need to submit a budget sheet if you were offering payment towards the arrears in order to stay in the property.

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You put the details at the top of the statement and the N244 exactly as they are shown on the eviction notice - it should be the mortgage company's name.

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