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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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How am I supposed to Improve my Financial Position


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Hi there, this is my first post here so please be patient :)

 

 

I have a Barclaycard with limit of £4000 (I actively reduced this from 6K) of which I currently owe just over 3K.

I am only able to pay £100 a month so the debt is only being reduced by about £60 a month.

Now Barclaycard are increasing their APR my monthly payment will reduce even slower than now.

 

I tried to apply for a 0% balance transfer card but was unsuccessful.

My husband has only managed to open a Lloyds Platinum card with a 1K limit so we can transfer £950 onto that

and make regular payments no problem.

 

It is only recently that I realised that I am paying PPI on my Barclaycard,

however, I finished work in August 2013 due to back trouble.

 

 

I have been in receipt of ESA until very recently following a Health Assessment which deemed me fit to work (!!!) My benefit stopped.

 

My husband works in forestry and is on a low income but we are not eligible for any other benefit.

 

So I'm thinking that I should have claimed on the B/card PPI - but is it too late now.

If any claim was rejected could I reclaim the PPI payments made on the account.

 

Can I write and ask B/Card to freeze the account and interest as I am only interested in paying the debt off and will not be using it to make purchases etc.

 

I find it SO frustrating to read about all these long term 0% cards and then find we are not eligible to receive them.

How am I supposed to improve my Credit rating when I am finding it SO difficult to keep afloat?

Sorry for the long post - just wanted to make sure that had given as much information as possible.

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If you were noticed about the APR within the last 24 days you have the right to refuse the apr rate rise and that will mean the cancellation of any borrowing facilities. You will still need to make the minimum payments etc at the current interest rate.

 

Write to them, rejecting the apr rise and send recorded delivery etc

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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id reclaim the PPI if the card is years old.

 

 

taking out 0% cards doesn't improve your credit rating at all.

but simply reduces the outlay on running interest.

 

 

but poss a letter to BCC might cure that under hardship or something.

 

 

once yu have defaults and leaye markers on your creditfile

its shot for 6yrs.

 

 

ever thought of reclaiming too?

 

 

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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id reclaim the PPI if the card is years old.

 

 

taking out 0% cards doesn't improve your credit rating at all.

but simply reduces the outlay on running interest.

 

 

but poss a letter to BCC might cure that under hardship or something.

 

 

once yu have defaults and leaye markers on your creditfile

its shot for 6yrs.

 

 

ever thought of reclaiming too?

 

 

dx

 

I did do the whole unfair bank charge thing some years ago - I haven't had much in the way of ppi at all. I ealise that the 0% cards don't improve the credit rating - it was more a case of making what available money I have go further and reduce my debt quicker.

I am fairly resigned to having a low rating for 6 years but will keep an eye via sites like noddle etc.

Thanks for the replies :)

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Hi CK and welcome to CAG

 

I would certainly try back-dating a PPI claim from Aug 2013, stating that you didn't realise you had PPI cover which should have helped you.

 

If they refuse on the basis of the claim being made too late, seek a refund of all PPI if you were unaware of it, or you think it was inappropriate for your circumstances.

 

:-)

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Many thanks guys - you have certainly put things into perspective for me and I shall definitely be doing the following:

1. applying for ppi back to august 2013

2. if rejected I will reclaim the ppi paid

3. refuse the apr hike effectively turning the balance into a loan

 

My aim is to be totally debt free by the end of next year :-D

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Hi CK,

 

Let us know how you get on with this.

 

I hope you achieve your goal by this time next year.

 

:-)

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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