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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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Complicated insurance question

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Hi, i'm looking for a little bit of advice. To try to sum up, I had two cars and two insurance policies. I sold one of the cars a few months back and never cancelled the insurance policy. I also had a third car which was off the road and being repaired and had no insurance. The repaired car was picked up by myself and being driven home when it was involved in a bump (My fault if I'm honest). No injuries but the police did attend and I was given a producer.


I spoke to my friend who is in the police and he said simply produce the insurance docket for your car which is insured which would cover you to be driving third party. That's all been done and the police are fine with that and don't seem to bothered that the actual car I was in was uninsured.


I then swopped the reg number on my second policy to that of the now damaged car so it is now 'insured' although it's looking pretty badly damaged at present.


I'm just looking for a little advice on how to process all this. I have reported the accident to the insurance company I used and presented to the police and they said they would call me back to process the third party claim, I have given them the police reference and my friend tells me they will basically get the details from the police and the insurance companies will settle it themselves.


My worry is that would they have some exclusion on me driving another car if that car doesn't have insurance and if so would they be able to find that detail out very easily?


Secondly, I now want to make a claim on the fully comp part of the other policy in the hope that they will repair the damaged car. Technically it wasn't insured at the time of the accident but if my claim is for general damage am I in a sticky place if I say I've driven into a wall or something?


I know what I've done is not strictly correct but to be fair I've had two policies fully paid for right through but I dont want to have either of the claims denied on technicalities.


Finally, if they reject the third parties claim could I be liable for their costs?


Sorry, it's a bit long winded!!

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No claim under comp, as the car was not insured for comp at the time.


As for third party cover on the current policy, it depends on what the certificate of insurance says.


Which certificate did you use ? The one coverlng the car that was sold or the car you had insured properly that you still have ?


You should never maintain Insurance on any vehicle you have sold, as according to the insurance database your insurers are still at risk under Road Traffic for that vehicle. If someone bought the car, did not insure and then had a serious accident, Insurers would no doubt seek recovery from you. There was a case where a policyholder never advised their insurers of the sale of their car. Months later it was involved in an accident, the new owner never insured it and the only current insurers of the car had a £30000 against them. They recovered this against the policyholder who breached contract by not advising they had sold the car.

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Can you clarify your post, the car that you was driving had no insurance policy at the time of the accident? I assume that if this is the case the vehicle was SORN'ed? If either of these questions are answered with a yes you have no grounds for a claim and you have bigger issues on the horizon

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I think you need to read the policy very carefully


Granted that I haven't checked for a long time, but it used to be the case that most fully comprehensive policies, whilst they gave third party only cover to drive another vehicle contained a clause along the lines of 'not owned by you and not leased by you under a hire purchase agreement' There was also the caveat in many policies that the vehicle in question also had to be independently insured by the RK of that vehicle. This was to deny the opportunity for individuals to have several vehicles and to drive them at will, but to insure only one of them


I agree with the post above - if the vehicle was not being driven under a FC policy at the time, there can be no claim for damage to your car - only to the third party, and then only subject to the specifics of the TP cover in force or otherwise at the time


Technically it wasn't insured at the time of the accident but if my claim is for general damage am I in a sticky place if I say I've driven into a wall or something?[/Quote]


Don't even go there!


Finally, if they reject the third parties claim could I be liable for their costs?[/Quote]


Yes, with the added possible complication of a charge of driving whilst uninsured


Hopefully it won't come to it but insurance companies do not tend to just roll over and accept liability for a claim if there is scope not to have to do so!

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