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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.
       
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      • 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.
       
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      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
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Court Papers for VT'd car [Advantage finance]- help!


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Hello there. if you have been served with a default notice - and the 14 days given to remedy the breach of expired you will not be able to VT, sadly - you lose the right to do so.

The only possible chance you might have is if the defualt notice that's been sent to you is defective in any way.

 

best wishes,

 

Seq.

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tell us about the debt please

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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As Seq says, it depends on if you have been served a default notice under section 87 of the CCA, if so and the 14 days remedy period has passed no you cannot. If however there are just ongoing arrears on the account you can

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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  • 2 weeks later...

Thanks all for the reply :) Apologies for the delay

 

Its standard HP agreement. notice of default served and payments agreed to remedy default. once default is satisfied can you then VT or is that it all void? Nothing in my contract states that VT becomes void if default issued?

Thanks

Lesleydeacanjason

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As long as the agreement has not been terminated by the creditor due to your missing of payments you can terminate yourself, under the VT provisions of the CCA.

 

Once they have terminated the account you cannot. Did you received a termination notice after the default notice ?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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  • 6 months later...

HI All

 

Any chance you can just clarify for me.

 

I have had a court claim come through from a finance comapny, who i VT'd with.

 

I have disputed the amount owed. Defense has been filed.

 

I sent a SAR request and it was signed for on the 23rd December

No reply from them. whats the next step time scale wise please?

Thanks

Lesleydeacanjason

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can you tell us the full story please

 

and name names.

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 from advantage finance.

 

They are trying for charges, recovery of the vehicle and warranty.

 

I have asked numerous times for account info.

 

Nothing,

 

got court letter, s

 

o I acknowledged,

 

sent SAR and

 

hen filed defence including in my defense that I filed SAR.

 

So far nothing, letter signed for, and postal order sent.

 

What happens if they don't reply?

Thanks

Lesleydeacanjason

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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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do you have a copy of the agreement? if so could you post it up with pers details removed

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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It would also be useful if you could tell us the amounts that Advantage are claiming as these will often be inflated by huge numbers of spurious charges for arrears letters / text / arrears management fees etc. Can you also check the Credit Agreement for warranties / Gap Insurance and other add-ons which Advantage often try to add at eye-wateringly high prices

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I will get the agreement out and try and scan for you too read.

They seem to be charging for charges on the account, warranty, car recovery and then repairing the car. Which i argued with them that nothing they stated was on there and i had photographic proof, so that dissapeared. Total is £1900, but i have gone over the VT point where you can hand back without any charges.

Thanks

Lesleydeacanjason

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