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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.
       
      • 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!
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Transaction Summary Statement - what a t*t!


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Hello guys:)

 

Just returned from a long stint overseas and walked into Santander to open a bank account on Wednesday. I stupidly forgot that my account was written off in late 2009 with 490.00 inside.

 

The clerk noticed a closed account and pulled me to one side to confirm the situation and advised it would be wiser not to try and reopen a new account and would be much better off going elsewhere (good of her to be open and honest)

 

Within two days of my visit I have received a Transaction Summary Statement. I've already researched what this letter is used for so issues there. They have also managed to date back the opening balance to last year? ( I haven't had any correspondance with this account since 09)

 

My worry is that the bad debt is now reopen for a Debt Collection agency to chase and has been readded to my credit file which I believe should have been cleared 5 years afterwards (2014 for Scotland)

 

Are the agencies still able to recover?

 

Any help would be greatly appreciated!

 

Cheers,

Nick

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Have you checked your credit files?

 

One an entry has dropped off your CRF then it can never reappear, not unless they want to pay you compo (4 figures!)

 

If you are 100% certain that the last payment was in 09, then it will be SB and nothing can unbar it.

Are you saying they still have £490. of your money, or the account was 490 in the red?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Nice one Bazooka! I owe them the 490 although it shows as CRD on the statement. I have an experian credit score of 951 from 2012 which bizarrely doesn't show Santander movements (quite possibly an equifax check?)

 

Let's say it is on my Equifax (which i haven't checked as yet) it surely has to be removed after the five years from 2009 right and all Debt agencies to stop proceedings against recovery?

 

Cheers for the quick response!

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Not quite, if it doesn't show on your Experian CRF then I doubt it will be anywhere else, Equi & Exper are pretty well up to date, but no harm checking the other if you want.

 

But entries stay on your credit file for 6 years regardless, it is only the limitation period which differs north of the border (lucky sods!)

 

Get a screen dump printed off of your CRF, so if it were to magically appear, then you can take satansbank to task.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Brilliant! I just reopened my credit score and its sitting at 951, the same as before and no notification from Santander.

 

The only query I now have is why Santander have changed the "opening balance" date on the summary to 2014 when I have not made any correspondence with them since 09.

 

Thanks for all your help Bazooka:)

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It could well be they have just updated the marker, so long as they haven't altered the default date then leave them be.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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