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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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Can anyone provide the most up to date address for CCA & SAR for HALIFAX CREDIT CARD

 

Not sure if the addresses i`ve found are up to date

 

 

Many thanks in advance

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address sticky in this forum

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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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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why are you sending these?

 

 

whats the enquiry by you all about?

 

 

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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Have previously posted a few months ago, I have a number of debts to resolve

 

This relates to a Halifax cc whereby the min amount is being repaid since 2011

 

outstanding balance is largely charges and interest

 

looking to reclaim and then pay off

 

appreciate any help you can give with these and other debts posts to follow

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and its still in the hands of Halifax

or has it been sold to a DCA?

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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Still in the hands of Halifax for now.....this may change i fear when i pursue

 

Have previously contacted them to stop interest and charges and also for settlement figure but were ignored on both counts

 

is the address the same for both letters?

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cant see the point in a cca request to the original creditor

unless you are hoping the card is years old

and they will not have the signed copy [if pre APR 2007]

 

 

address is ok eitherway

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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ok DX so no CCA to them then just SAR to give me leverage with charges to bring the balance down

 

Thanks for all your help more posts to follow with other creditors :shock:

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  • 1 month later...

Have now had response to SAR...........we will have all your personal information ready by 14th June

 

Swiftly followed by.......

we note you are requesting ALL data held

this can encompass call recordings AND emails.

 

 

If you require this data than you return the attached form

and if this is required then our 40 day deadline will change

as your full requirements were not known when we started your original DSAR!!!

We will advise you of the revised deadline when we acknowledge receipt of the form

 

I thought the SAR clearly stated ALL INFORMATION held and fear they are playing for time with a view to selling the debt

- I have already received a letter requesting the outstanding arrears of £60 or they will lodge a default

-i have been paying a nominal amount each month

but this is the first threat of such.

 

Do i pursue the request but state that they have to adhere to the original deadline?

dont think i have any emails from them but there are a few phone calls again not sure how needed.

 

Need statements to calculate charges

 

os bal approx £750 largeley charges and interest are they likely to sell this on ??

 

How should i pursue SAR please?

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well it wont make any odds if they do sell it now really

the balance is in dispute

and it will probably strengthen your case against paying a DCA anything.

 

 

and ofcourse then the CCA request will come into play I expect

 

 

ok so theres not already a default yet on your credit file for this?

and if there was to be one

will that hurt you as it will kill credit for 6yrs probably?

 

 

as for the SAR.

yes the letter is clear enough

I would reply simply saying I wish the info as request in my org sar please.

 

 

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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Have just checked credit file and no default.....

 

interestingly file history isnt accurate at all really making a mockery of the whole system

 

will request sar as req and calculate charges

 

then go for FULL settlement

 

thanks DX

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