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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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Moneybarn VS repo/CCJ - been told by FCA they should have VT'd - CCJ Balance reduced!!


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I purchased a car 2 years ago via Moneybarn, but got behind with payments due to reduction in wage

 

. After failing one month on a suggested payment plan, they sent me a default notice followed by a letter of termination. The leaflet enclosed with it said I had 3 options:

1: Pay off in full

2, pay arrears, they MAY let me keep car

3: hand car back

 

I called them on the phone and offered to pay arrears in full but the rude gent said their hands were now tied and termination could not be stopped, and it had gone to "asset management"

 

To cut an even longer story short the agents turned up and took the car whilst I was there and said it would be auctioned.

 

today I got a letter saying I may owe £5k as the car would probably only fetch £2800. This is slightly worrying as trade values show the car should be worth nearer £4500, a big difference even it is auctioned. The debt includes 5 missed payment "fines" of £25

 

Firstly, I didn't realise you got no interest rebate if the car was repossessed, and secondly I would have preferred to keep the car longer as I had offered to pay arrears in full, I did NOT realise that they may have to have a court order to take the car, I naively assumed I only had the above 3 options. I would have been very happy to tell a judge I could pay the arrears.

 

To make things hopefully clearer,

TOTAL COST OF FINANCE £12000

PAYMENTS MADE £4700

 

Anyone shed any light on whether moneybarn are fleecing me even more

 

thanks

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It is a shame you handed the car over as they would of needed a court order if you have paid oner a 3rd

 

Those late payment fees are unlawful

Do you have all the statements

May be worth sending a SAR

 

Something not right if this has happend after 1 month if arrears

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Oh dear you allowed them to vs? I take it

What form did you sign?

 

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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Sadly the problem is that you allowed the agents to take the car

 

Did you sign anything?

 

You had clearly paid more than one third but if you agreed to the repo and handed over the keys and docs willingly

 

they have the car and will auction for whatever it fetches leaving you to pay the remainder of the agreement

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 4 years later...

To summarise ,

i had a car with Moneybarn, got behind with payments and not knowing about VT at the time, agreed when they said they were taking the car even though i had paid over 50%. They issued me with an outstanding full balance of £4500 in October 2017.  

 

I then read about VT, and I went to the financial ombudsman to dispute this saying i should have been told i had VT options.

The balance was unpaid whilst this went on for about 3 months.

During this i moved house.

 

Fast forward another month, the ombudsman did not uphold my claim and said i was liable.

So when Moneybarn contacted me i agreed a payment plan of £80 per month which i have been paying.

 

In January this year i looked at my credit file, which i hadn't done for a while and there was a CCJ for the original £4500.

Apparently the ccj was taken out without my appearance, and all documents had been sent to my old address, so i never knew.

 

A further twist in the tale came 3 months ago in April when i got a letter from Moneybarn.

In short it said they had been working with the FCA and they had concluded they hadn't done a good enough job of communicating to me my options when the car went back.

 

I quote "to put this right, we have reduced your outstanding balance from £4500 to £700". (the balance is at the level it should have been if i had been given the correct option on termination). I have read the FCA had been investigating Moneybarn and Provident for the treatment of customers who had got behind, so maybe this letter was a result of that

 

My question is,

do i have a chance of getting the judgement set aside , firstly because it was sent to my wrong address, and secondly because Moneybarn have admitted they were at fault with the exiting process and the exiting balance should have only been £700, not the £4500 the judgement is for. 

 

thanks 

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Yes you do...

And in fact they should cancel the judgement. 

 

Theoretically as the balance is incorrect - The CCJ is then made what I would consider invalid...

Maybe its time to email the CEO? :)

The FCA Contact is bill.scotney@moneybarn.com

Also drop in this one for good measure - Malcolm.lemay@providentfinancial.com

 

This is MB are part of Provi...

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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" firstly because it was sent to my wrong address, ...Did you inform them you had moved ? and secondly because Moneybarn have admitted they were at fault with the exiting process and the exiting balance should have only been £700, not the £4500 the judgement is for. Have they amended it on your credit files to £700 ?

 

IF your response is no you didn't inform them then you wont get a set a side.

If they have amended it to reflect the new judgment figure...then again that is okay.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Thread moved to the appropriate forum..please continue to post here to your thread.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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I moved during the couple of months it was with the Ombudsman , the ccj seems to have been actioned during that period.

It was a few months later that i told them i had moved, so no, i didn't tell them before i moved.

 

The credit report shows current balance of £670 but the CCJ entry on the credit file shows a balance of £4500

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Well you can only have one balance for a debt/judgment.....obviously the credit files are incorrect...have you checked them all ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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I have only checked the free ones, Totallymoney and Noddle, under current accounts they both show "Moneybarn" balance £670, but under "rulings"  or "public information" where the CCJS are shown it gives the case number plus the amount (£4500)

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The Registry Trust will need to be updated before the CRAs are amended......

 

Check here..

https://www.trustonline.org.uk/help-topics/

 

If the entry is for the greater amount raise a complaint using the letter from Moneybarn as evidence.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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old and new threads merged for full history..

 

WOW moneybarn correcting the age old issue of not telling a customer about VT...urm this is interesting.

wonder if its a one off or has wider implications......numerous examples of them doing this on CAG.

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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  • dx100uk changed the title to Moneybarn VS repo/CCJ - been told by FCA they should have VT'd - CCJ Balance reduced!!

As i said the FCA have been investigating Provident and Moneybarn for months now, specifically not helping people in arrears and not giving clear termination guidance, apparently its due to close soon.

 

My letter from them is from what looks like a senior person at Moneybarn, and reply email addresses are ones i haven't seen before and refer to a specialist department (redress), the telephone number is also new.

The letter is unreservedly apologetic, and that is an understatement. 

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wow.

if it doesn't say confidential etc 

is it possible you could scan it up to PDF?

 

read upload

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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thank you that is VERY useful

 

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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funny they don't mention the ccj?

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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