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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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HSBC sell Debt to Cabot


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I have a number of accounts that I am paying back on an agreed debtmanagement plan, one being a credit card with HSBC.

 

The dilema I am in is that all the other companies have changed the status of my account on experian to Special Instruction Indicator: Arrangement and I have been paying them upto date for over a year now. All this is showing a green symbol.

 

In trying to rebuild my credit rating and finances etc HSBC Credit Card have not changed this, yet they accept my payment of £x.xx per month and have frozen the interest (although it it with MCS) This still shows as a red symbol

 

Is there anyway I can get them to alter this to relfect I am on an agreement and that I have kept up with monthly payment?

 

The arguement they came back with before was that they wanted more than triple what I offered to and am currently paying and therefore did not accept the agreement?? Yet they have settled for a reduced amount and have done so for some time

 

Any thoughts please?

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The first step has to be asking again.

It sounds as if it's sometime since you have been paying regularly, so they might say yes.

Send a copy of your file showing all the other companies status - it might shame them into following suit.

 

If they say no, you've lost nothing more and to be honest I think you'd be struggling to challenge them by any more formal means.

 

 

Credit reference files are notoriously difficult to challenge.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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have you checked they have a valid agreement? by means of a ccaif they want to dirty your credit file then fight dirty and upset them some more

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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  • 2 months later...

Following advice from a forum member to another post I sent a CCA request to HSBC in December 2009.

I first got a letter back saying they were dealing with it.

22days after my original request I got a package delivered with loads of information.

 

The covering letter,

which I dont have a copy to hand,

starts by saying they dont have to provide a signed copy of my document or original terms and conditions under current law

but they attached updated copies of the CCA and random information all stamped and signed, poorly, on each page.

My original agreement was from 1996.

 

The letter goes on to say that the CCA is still enforceable even without a copy of the signature.

 

What would be my best move next?

I am trying to prove my current CCA is not viable and therefore stop them trying to take me to court every month even though I am on a debt management plan

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  • 7 years later...

I have today received a letter from HSBC saying that my credit card account debt has been sold to Cabot as of July 2017 and I should arrange to continue to pay them not HSBC and HSBC will not correspond with me anymore.

 

This relates to a credit card that defaulted in 2011 and I have been paying them back an agreed sum of money each month and always maintained payments.

 

Having had run ins before with other collection companies I wonder if anyone could help with my concerns?

 

- My payment agreement is with HSBC and now Cabot now seem to want way more than I can physically afford and say that I need to complete a financial assessment to make a new plan otherwise they will take action

- The sums of money Cabot seem to reference seems excessive compared to what I think I owe. Can I somehow check what the values are and if they include any fees etc

- In buying the debt how does this affect my credit file. HSBC has not been showing on my CRF since January 2017?

- Should have I been notified of the sale of my account beforehand?

 

The last time I had to deal with Marlin it really made me ill from worry and I do not want to go through this again

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send them a CCA request

if its dropped off because the default reached its 6th birthday

the fleecers cant put it back up

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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merged a few old threads on this here

shame you didn't stop paying 7yrs ago when they failed the CCA request before....

 

 

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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Yep. Sadly youve been fleeced for many years. The debt is wholly unenforceable. I can pretty much guarantee that, and youve been spoofed into paying when you didnt have to pay a single penny.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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