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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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Asking a DCA for clarification


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Hello

helping another friend with their problem.

 

They have received letters from Robinson Way stating that they have had no

response to their letters asking for payment relating to two debts that they had

purchased and if she does not respond in 14 days they will take legal action.

 

Now this is the first letter they have received regarding this and all tho she does/did

have some debts some 5/6 years ago these letters do not state which debts these are.

 

I will refrain from ringing them to ask relevant questions but was looking to write

to them asking for the following:

 

Previous Owner, Account Number, Total Amount, Date of Default, Last Payment Date,

Amount of Last Payment, Who Was the Payment made Too, How Was This Payment Made and Where was this Payment Made.

 

Do these questions sound ok?, obviously I will format the letter with correctly but just

spaced as such to save over posting.

 

Regards

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why?

 

 

read the letters properly

it does NOT say WILL take legal action in 14 days

 

 

it say something else.

 

 

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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Yes dx I am aware of the wording but

I would like to get the answers as she wants to put it to rest especially after I helped check her CRA and nothing shows so may be statued barred.

 

Regards

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If this is the 1st letter it's scaremongering. Wait until they provide proof the debt exists.

 

It's not your job to provide proof you owe the alleged debt. Wait until other begging letters arrive.

 

No point in helping the DCA do their job is there? Wait is what I suggest...

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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if the debts are statute barred

even better

 

pers i'd not send anything

it simply invites letter tennis

 

if the debts are confirmed SB'd

then let them issue claims

the SB defence will kill the claims dead.

and cost them money.

 

in E&W even if a debt is statute barred

as long as court is not threatened once confirmed SB

they are allowed to ask for payment

a debtor is equally entitled to ask them to go away.

 

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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As a last resort engaging in letter tennis can delay action & might give something that you can complain about,

then escalate to the FoS (after just less than 6 months).

 

 

By the time the FoS decide anything, the 6 year mark might have passed

- they aren't supposed to take any action after you have made a complaint that you can take to the FoS,

while it is being considered or while you are considering their decision!

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urm..complaining to anyone does not stop legal action.

theres nothing that states any supposed creditor or debt buyer

HAS to delay anything.

 

 

SB is your trump card

don't ever play it too early.

 

 

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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