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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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PRA Judge & Priestley Claim Form MBNA


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Why?

They've had a CCA

If they can't put up

They need to stop issuing speculative claim

Hoping for a non contested rubberstamped default judgement

 

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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So surely there must be a form or letter we can send to the courts to show they have not complied with my request so we don't have to go to court and waste there time as I have not had a look at there defence .. ?

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you've already mentioned it in yr defence?

so, as above, prob best wait till disclosure. see what they rely on.

you could consider a formal application yourself at fee (unless exempt). but, that may be risky atm re costs against imo.

IMO

:-):rant:

 

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Its the only way...if you do not submit your DQ (N181) in time your defence will be struck out.

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having a bit of trouble with the n181 up loaded up my form please can someone help me with the bits i have left out and filled in

many thanks

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Address showing,,,unapproved.

 

Just type which letter mahul you need assistance with.

 

Andy

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mahul

you could consider a proposed draft direction in the DQ re forcing earlier disclosure. but again, it may end up in a hearing. poss costs risk.

IMO

:-):rant:

 

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Hi im stuck on .the following questions I have used the above link But it doesn't fully match up ..

Question a2

C

D2, d3

D4 im very confused the link Says to attach a separate draft . Have no clue about this .

Ef we leave blank ?

H leave blank as im representing myself

I not sure

Many thanks again

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A1 and A2 Yes

 

C No..... reason..... not applicable you are the defendant

 

D2 ignore

 

D3 Ignore Multi Track only

 

D4 Is your draft directions on how disclosure will happen...so in the box type see attached and then attach a draft direction

 

E leave blank (there is no E4)

 

F is you 1 witness

 

I ignore you are the defendant ..no fee

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We could do with some help from you.

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Hi Andy .. Been looking around but the attachment in your link with the example of draft direction does not appear to be working?

 

 

Try this one Mahul.

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there are dates which I need to fill in the pdf as I have not been given any court dates .. also it says that disclosure must be given latest by three days before the case is that standard or can I request earlier date so I can prepare my defence.

surley the other side solictors will give me least time as possible .

do I send the directions only or the whole form to the solicitor ..

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I have uploaded a far simpler version...disregard the Court Directions upload.

 

Edit the dating out...state to be confirmed by the court or as advised by the court.Disclosure 14 days pre hearing same for witness statements.

We could do with some help from you.

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Hi many thanks for your help so far .. but I am unable to find the link you posted as just a link on how to upload a document comes up ... do u have a link ?

Many thanks Andy

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Great thanks .. I fill out my form and send to the court Do I send to the other side solicitors a copy of the whole form n181 or just the direction. ?

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Both ...it states on the N181

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IN THE COUNTY COURT BULK CENTRE CLAIM NUMBER: XXXXXXXXX

BETWEEN

PRA GROUP (CLIMANT)

AND

######### (DEFENDANT)

 

---------------------------------------------

DARFT DIRECTIONS

-----------------------------------------------

 

 

1. The claim be allocated to the fast track

2. Each party must by serve to the other party standard disclosure 14 days pre hearing.list inspection seven days there after

3. Each must by 14 days pre hearing serve on every other party the signed statement of all witness of the fact on whom they intend to rely.

4. Pre trail checklist to be filed no later than 14 days pre hearing

5. The matter be listed for a trial the date to be confirmed by the court with a time estimated 4 hours

6. Costs in the case

 

 

 

THIS IS MY DRAFT PLEASE SEE AND COMMENT ON ANY IMPROVEMENTS .. THANKS

Edited by Andyorch
Amended
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Just a few amendments mahul04

We could do with some help from you.

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  • 5 weeks later...

]ust got a reply from JP regarding the cpr3114

 

i have posted it up .. should i prepare my defence as it looks like they mean business . be greatful for any help

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That isn't a compliant agreement. I'd start reading up on improperly/properly executed credit agreements if I were you. Try to gain a good understanding of this area and it will stand you in good stead ahead of future stages in the claim.

 

My guess is that they'll apply for summary judgement on the strength of having the signed 'application form' plus some account statements, default notice, etc. and just hope you aren't savvy enough to bat them off.

 

Did you receive anything from your CCA request in 2009?

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T&c's please

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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