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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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Cabot/Reston Claim Form - Cap1 Card 'debt' Please Help


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http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-Legal-Successes

 

Take a look in the above forum......I would think carefully before considering a counter claim.

 

Regards

 

Andy

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Had a read and was going to start writing the defense on the grounds of not having received a reply from the most recent CCA. Obviously enter it after the time limit to supply the documents has expired. If this is sufficient then I wont pursue a counterclaim.

 

Should I mention the other CCAs that I got no response from as well?

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yes and yes

 

 

but you have no real need to file it until the day its due.

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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I'll have it ready in plenty of time anyway and post on here for a review if that's okay.

 

If a CCA request gets sent back to the original creditor, (assuming the dca has no documentation that is). Wouldn't CapOne be in breach of something by selling it on after that?

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nope

 

 

most debts are sold on simply a phishing list database with minimal details

it gets popped into a PC and it churns the rubbish out they want to send

 

 

9/10 no human involvement other than to check the outstanding balance if its worth fleecing you

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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  • 2 weeks later...

So, got a reply from Restons re CPR request.

 

Surprise surprise they are asking for a signature before they can comply.

 

I have a letter to be used in the case of a CCA reply where they ask for a signature. Is it worth tweaking that or just leaving it to wait for the CCA?

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doesn't matter ignore them

 

 

you do not have to sign

plus reston don't do cpr anyway

 

 

ignore

 

 

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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I can't understand the obsession on CAG about not providing a signature. Do you think a firm like Restons would forge your signature onto a document ?

 

You're missing the point, but I'm pretty sure you know the reason why signatures are not required on certain requests for information?

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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Hows this for the defense, I'd like to get it in early as I've got a busy week ahead and any advice is appreciated:

 

Particulars of Claim

 

1 The Claimant claims payment of the overdue balance due from the Defendant under a contract between the defendant and Capital One dated on or about May 01 2007 and assigned to the Claimant.

 

Proposed Defence

 

1 The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies upon CPR r 16.5 (3) in relation to which a specific response has not been made.

 

2 The Defendant accepts that he has held an account with Capital One but the amount claimed is denied. Furthermore the claimant is in default of a request made under section 78 of the CCA 1974 made on xx/xx/xx, which has not been complied with and this agreement is disputed.

 

3 The Defendant requested copies of the documentation relied upon by way of a CPR 31.14 request dated xx/xx/xx, the claimant in their reply dated xx/xx/xx has failed to supply any supporting documentation.

 

4 The Defendant has two previous requests made under section 78 of the CCA 1974 dated xx/xx/xx and xx/xx/xx that have not been complied with.

 

5 It is therefore denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of contract, requested by CPR 31.14, therefore the Claimant is put to strict proof to:

 

A show how the Defendant has entered into an agreement with the Claimant; and

 

B show how the Defendant has reached the amount claimed for; and

 

C show how the Claimant has the legal right either under statute or equity to issue a claim.

 

6 As per the CPR Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

7 On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law and Property Act and Section 82A of the Consumer Credit Act 1974.

 

8 By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

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Your point 4 Piano.....

 

If they were made to previous DCA or OC then they are irrelevant...only refer to anything in connection to CAbot.

 

Andy

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Your point 2 could do with a little further explanation.....

 

2 The Defendant accepts that he has held an account with Capital One but the amount claimed is denied. Furthermore the claimant is in default of a request made under section 78 of the CCA 1974 made on xx/xx/xx, which has not been complied with and this agreement is disputed.

 

Why is it denied ?...the fact that the claimant remains in default of your request is a reason but should not be made the priority reason and basis of your pleading.

 

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

 

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2 The Defendant accepts that he has held an account with Capital One but the amount claimed is denied. It is unclear as to how the claimant arrived at the given figure.

 

I'm a little stuck as to a better way to put this, any ideas if this is not sufficient?

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2 The Defendant accepts that he has held an account with Capital One in the past. I cannot recall the precise details of the agreement or recall any alleged amounts outstanding.I have therefore sought clarity by way of a section 78 and a statement of account.The claimant has yet to comply and remains in default of said request.

We could do with some help from you.

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

 

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  • 4 weeks later...

usual crap from that rectums chef

ignore

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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Pestons running scared, just their way of trying to save face, before they throw in the towel.

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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  • 3 weeks later...
So the case has been Stayed, as they have not replied to the defense.

 

Can I apply to get the case thrown out or will this happen naturally if they don't reply back to the court?

 

Nothing to strike out as the claim is stayed...its only a prospective claim until its allocated.

 

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

 

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