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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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Schedule of Inhibition (nationwide building society)

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Is there a way of stopping or challenging this from being renewed at the end of its 5 years (before the actual debt is cleared)?


Original debt: Nationwide Overdraft back in 2004 of £3500


Nationwide refused to deal with Christians Against Poverty who were sorting out a repayment schedule at the time

and as soon as they were involved took me to court.



They had been phoning me in the evenings to try and get me to repay the overdraft and had offered if I could pay the overdraft of £2000

- they would waive the £1500 over that but I was pregnant at the time and about to come off on maternity leave soon

and did not have that amount of money available to me then.



The guy I was speaking said that in that case they would take me to court and take my house away from me.



Decree was granted in April 2005 and Order of inhibition on any property I own after that.

Was renewed on expiry in 2010 and due again to expire in May.



Have £1900 left of balance.



Have not received any statement of the account since the decree in 2005,

so have no idea of interest and charges that have occurred

or how much I have actually paid back.



First was passed to Morton Fraser solicitors and now with Aberdein Considine.


I have tried to put in a claim for unfair fees and charges that were added to the account

- the overdraft was £2000 and the fees and charges the rest.



Morton Fraser said I was not allowed to contact Nationwide Building Society to do this.

Never got a reason why they would not look at the fees and charges

- on the one hand Nationwide were saying to contact Morton Fraser with a settlement offer

and they would consider it through them but Morton Fraser said they received no such instruction from Nationwide

- so just kept going round in circles.



This was a few years ago and I had too many other things going on in my life to fight with them about who said what so just left it.



However, I want this inhibition removed so I can move on with my life.

I could possibly just about manage to settle the debt before May,

but it would be a struggle (we are a family of 7 so every penny counts).

I do still have some other outstanding debts that I still am paying that defaulted at the same time.


Any advice on how to go about this one?

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you should have been receiving at least one statement of account per year.


I think you should be asking first for a statement of account to confirm the balance.

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I have sent of a CCA request (to Aberdein Considine) asking for a full breakdown of the account and also put in a complaint via the Nationwide website so far just had an automated response that they will get back to me within 8 days.

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Received in post a letter from Nationwide and an income and expenditure form to fill in and also want further information on how I am in financial difficulty so they can consider request to waive fees and charges. Says that once returned they should have a reply by 13th April.

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Are you happy to provide the info.


Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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  • 1 month later...

Update - managed to get full payment details of payments made after the court order and that balance is now suddenly over £400 less than it was in the first letter. Aberdein Considine have said that their client is not obliged to send the copy of the signed credit agreement for the overdraft as the overdraft facility is not covered by the Consumer Credit Act 1974.

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thats correct about overdraft not being covered

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