Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
        • Thanks
      • 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.
      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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 1980 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I hope I am posting in this correct area. I will be as brief as possible (Fail). My Fiancee and I are looking to move her and her two kids to the US. Each kid has a different Father. One Father is in agreement with his son relocating, the other is not. So, we have submitted to the court to get approved to move to the US.


My issue concerns this Court Bundle. So, I think I understand it for the most part, but where I am confused is that our case really is dependent on proving how her son will have a better life in the US then he currently has in the UK....The bundle seems to emphasize "chronology", but how do I put in chronological order events which have not yet happened. Yes, there are some events which have already happened (her x was abusive, so we have support showing what happened in this regards)...


I want to support my case fully, and I have prepared documents showing how I will be able to financially support her son, information about my family, information about the area I live, insurance I get through work which will cover his health, dental, and vision, and many other things (character letters from my family). The way I had it organized before I came across these court bundles, was simply by section...So I had one section for financial support, and I put together a summary, and then included items which would support the position I am taking that I can financially care for my new family.


Basically it is confusing to me because I want to organize the bundle properly, but based on what I am trying to use as "evidence" and support for my position in this case, it almost seems impossible to adhere to the requirements of the Bundle Preparation.


I am also having trouble with how much support to include. When I read other sites, I see some which say to try and be brief because the judge has only so much time, but then I see others which say to be comprehensive. So, for example, in trying to show that the schools where I am are great, I have included course curriculums and lesson plan examples, so the judge can get an idea of what topics will be covered by our education system. The total amount of pages for this section was 90. I don't know whether to try and just summarize everything in my own words, or to include everything. Or do I include just a few examples.


I then wanted to also submit proof showing how much I made, including the amounts posting to my bank (as evidence), but it seems like you are not allowed to include this type of stuff in the bundle. I don't want to have an underwhelming case by trying to be too succint, but I also don't want to waste the court's time and resources.


Any advice on these court bundles, or examples of them, or guidance that goes beyond what I am finding when I try and search for help on the internet, would be greatly appreciated.

Link to post
Share on other sites

I will try and find someone who can help.

Have we helped you ...?         Please Donate button to the Consumer Action Group


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





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.



Link to post
Share on other sites

Hi and welcome to CAG


You should refer to https://www.justice.gov.uk/courts/procedure-rules/family/rules_pd_menu, specifically Practice Direction 27A. It is important to refer to the actual rules that the judge will have in front of him, rather than summaries found on google which may or may not be accurate.


When preparing bundles would normally have a date for each document, assemble them in date order and prepare a clear index. The index would not too be too detailed - just along the lines of "1. Claim form dated xxxx. 2. Defence dated xxx" and so on.


On the contents of the bundle, if you read paragraph 4.1 closely it is not a total prohibition on including financial statements. The point being made is that you should only include financial statements if they are necessary for the court to read or if they will actually be referred to in the hearing. So, if you are referring to specific financial statements in your witness statement to make a specific point, then include them - but carefully select the ones which are actually relevant. If you are just including pages and pages of stuff that isn't directly relevant to the case, then don't include.


Paragraph 4.2 does allow for you to create new sections. But I would be a bit careful - one or two extra sections might be appropriate if this genuinely helps, but I would not create too many. The standard practice is absolutely to do things in chronological order using the standard sections, and you are likely to annoy the judge if you deviate significantly from that.


Do note that the bundle is supposed to be agreed by all sides. See paragraph 3.2. You would normally prepare an index listing the documents you plan to include the bundle and would send that to the other side, asking if they are in agreement. If the contents of the bundle are not agreed by the other side (which tends to happen if the other side is not legally represented), then just go ahead and prepare anyway noting the requirement to provide an index a certain number of days before the hearing.


The bundle should be comprehensive. It should have everything that will be referred to in the hearing - if in doubt, include it. It is the witness statement that needs to be a bit more concise, setting out the facts and cross-referring to the relevant pages in the bundle where it refers to a particular document. But for a case like this involving children I think the witness statement should still be quite detailed. I would definitely err on the side of being comprehensive for this.


Personally I'd use a solicitor for a case as important as this, but I guess the decision is ultimately up to you.




Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...