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    • this one where you've posted swift advances under mortgage companies forum
    • Hello,   what forum should I put it under? 
    • read our threads here please... its called playing all your cards early and not waiting to see IF they ever issue a letter of claim then a court claim.   now they know what you'll be arguing against they are well prepared...   dx  
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      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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CFO - Making me ill with worry and charges are nearly £1000

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I guess you haveheard it all before and for that i am sorry.


I borrowed last Sept/October from CFO £200,

this increased to £500 over a few months whilst paying it off.


things got bad and i am with Step Change who have been sending payments to CFO.


However, i keep getting letters, phonecalls, emails and texts which are threatening etc


.I keep telling them that step change are paying them,,

ive been giving them an extra £15 a month on top of step change payments via standing order

but they keep insisting that step change havent sent the correct documents.


I know they have because i have asked them twice now,

and im sure Stepchange know what they are doing.


i was shocked the other day when i got a letter stating i owe £1703.


It is a notice of i ntention to file a default


Alleged breach: Failed to make my contractual repayment of £1703.89,

and to tremedy i must pay £1467.89 by 13th Feb. Yeah right!!!


They breakdown the costs as:

Loan capital outstanding £1461.89 and

interest at £21.55I

have never borrowed this much,

they are just plucking figures ouot of thin air

and making it up.


IS this all charges?


Surely they cant add this much in charges


What do i say to them in a letter


There has been lots of emails back and forth,


me saying stop harassing me, please only email,

these charges are unlwaful etc etc

but they dont listen


PLease help, getting ill with worry

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refer them to step change that is what they are there for.


and stop that additional payment too.


they can do NOWT to you.


stay off the phone etc etc.



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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How much did you take out? How long has it been in 'default'. Sadly this is normal business for them. They dont exactly follow the law.

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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Thanks, been in default 2 months. Took out £500 after resolve before Xmas.I will call step change, and stop the extra paymentsIf it goes to court then sutrely the judge would say the charges are not reasonable

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The charges and interest are unlawful. Youll probably get an offer for something called cfo resolve. Don't fall for it. Theyll wipe out your bank account.

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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