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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.
       
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      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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HELP! Bankruptcy and who will deal with my case?


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Hi there,

my husband and i will be making ourselvesf bankrupt,

but i need to ask who will deal with the bankruptcy after we have filed for it

(my debts total several hundred thousand pounds, repayment of directors loans for our previous LTD company, which we can never repay)

 

We have have no assets, no savings, on benefits and live in a private rented house , on housing benefit. my husband is on ESA due to mental health problems.

 

Will the official receiver oversee it or can the major creditor ,( who happens to be a nasty piece of work) apply to be the trustee?

 

I keep reading if there are no assets, then the OR will act as the trustee himeslf.

Edited by thesilverspoon
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I'm sorry I don't know but found this info for you

 

https://www.r3.org.uk/media/documents/.../Creditors_bankruptcy.pdf

 

Once a bankruptcy order is made, the court will usually appoint the

Official Receiver to administer a bankrupt’s estate. The Official

Receiver is a civil servant and an officer of the court.

 

The Official Receiver must then decide within twelve weeks of the bankruptcy

order whether to call a meeting of creditors to appoint a licensed

insolvency practitioner to act as trustee in bankruptcy (trustee).

 

In certain circumstances the Department of Trade & Industry (DTI) or

the court may make such an appointment.

 

This guide assumes that a licensed insolvency practitioner has

been appointed trustee.

 

So it may depend on what the OR decides and whether the other party is a licensed insolvency practitioner.

 

You would have nothing to lose by approaching the OR to ask about this and if the other party is an LIP, to ask that they are not appointed as trustee.

 

I'd have thought that it would be a conflict of interest for them to be appointed, but then again, I don't know how this works.

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It will be the OR who will deal with this for you.

 

Once this is done the "millstone" around your neck will be gone

It will show on your credit rating for 6 years then that will be clean.

 

I wish you the best of luck

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Hi

 

The OR is generally appointed at your Bankruptcy Hearing when the Bankruptcy Order is made.

 

What the OR may decide is to call a Creditors Meeting:

 

Creditors Meeting

The Official Receiver may request a meeting of creditors, and if so, you will be required to attend. At this meeting, the creditors may decide to appoint an insolvency practitioner as the trustee of your bankruptcy, who would be responsible for raising cash from your property (if relevant) and other assets.

 

Please note who they appoint is an Insolvency Practitioner as the Trustee who still has to follow the Bankruptcy Order to the letter the same as the OR would.

 

In short an Insolvency Practitioner (IP) is someone who is licensed and authorised to act in relation to an insolvent individual, partnership or company. Most IPs are accountants or insolvency specialists working in firms of accountants.

 

These links may be useful:

 

Insolvency Service

https://www.gov.uk/government/organisations/insolvency-service

 

Declaring bankruptcy or being made bankrupt

https://www.gov.uk/bankruptcy

 

Guidance for Potential or Current Bankrupts

https://www.gov.uk/government/publications/guide-to-bankruptcy

 

Bankruptcy what happens when you are interviewed by the official receiver?

https://www.gov.uk/government/publications/what-happens-when-you-are-interviewed-by-the-official-receiver

 

Bankruptcy restrictions orders

https://www.gov.uk/government/publications/bankruptcy-restrictions-orders

 

Law Centres Network

http://www.lawcentres.org.uk/

 

National Debtline

https://www.nationaldebtline.org/

 

Find your Credit Union

http://www.findyourcreditunion.co.uk/home

 

Citizens Advice

https://www.citizensadvice.org.uk/

 

Samaritans

http://www.samaritans.org/

Edited by stu007

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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