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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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Welcome Finance PPI Claim....wont payout


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I have been trying for some considerable time to get a PPI miss selling claim paid by Welcome Finance.

 

The problem is that I have now reached the conclusion that the process being used by Welcome Finance

and being endorsed by the FSCS is not correct to avoid the correct processing of PPI miss selling.

 

My original claim was rejected by Welcome ....reason given that I did not make a claim to their insurance company .

 

The fact is, that I was never made aware of the insurance company.

I was self employed when I took out the loan and when I broke my shoulder and could not do my work,

I contacted Welcome and was told that I was not covered by their PPI policy.

 

I made a complaint regarding their decision to reject my PPI claim and was paased on to a manager at FSCS.

He has now agreed with Welcome that I must make a claim to their Insurance company ( Direct Group, Doncaster)

 

I have received forms from this company.

These forms make it almost impossible to conply with their terms.

I have found that the NHS hospital who treated me seven years ago for a broken shoulder will not supply me with the details athat they require.

 

I have since made a complaint to the FSCS, that this insurance situation is just a smokescreen to avoid paying out on PPI claims.

I maintained that any claim has nothing to do with the matter of being misssold the PPI.

 

I have now received confirmation from the FSCS that the insurance issue must be dealt with first before the miss selling can be delat with.

I belive that this is proof that this is a ruse

 

Has anyone else had a similar problem and any success with this company.

 

Regards

 

Alastair

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why don't you put in a proper misspelling claim

using the FOS questionnaire

and a spreadsheet as per link 1 below.

 

 

it would be worth far more to you that claiming on the PPI.

 

 

have you got all the statement etc etc

if not sar time.

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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I wouldn't have thought you could have made a claim 7 years after the incident, anyway ?

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The only way to claim against Welcome Finance is through the FSCS,

because they have become involved due to the fact that Welcome is bust.

 

 

However, I feel that the process is deliberately being made as complicated as possible to put claimants off. I

 

 

agree that a claim should not be possible after this time ...however this insurance company have told me that it is possible.

 

The fact remains that Welcome did not give details of any insurance company on their documentation as they were required to do

and to insist now that they had an insurance company is a con.

 

I firmly believe that this situation should be brought to the attention of the regulator ..the FCA.

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so you have done an FOS CQ etc and put that in?

 

 

dx

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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  • 2 months later...

Hi, I'm in the same situation only i became ill and was on incapacity benefit for 8 years; your GP may hold the information you need, they had mine from birth; sometimes they charge a fee; hope that helps

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