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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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When does insurance company legally become the owner of a vehicle?


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My stationary car was hit in the aftermath of an accident between two other vehicles.

Made a claim via my broker/insurance company and the car has been uplifted by them to access damage/repair etc.

 

It is probably touch and go as to it being a write-off, so just interested to know at what point the insurance company becomes the legal owners of my vehicle? Is it when they make an offer and I accept, or before then?

 

Thanks.

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when you accept the offer and they then instruct you regarding the DVLA notification. If it was before then all it would take for someone to force you to sell them something at a price they set would be for them to make that offer. Case law goes back about a century and a half so you dont have to accept the first figure they come up with

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Insurers can become legal owner when the accepted claims payment is cashed in by you. But the Insurers may register ownership, as soon as you confirm acceptance. Either could be the case.

 

Some Insurers for example seem to send out a settlement cheque saying this is the amount they are willing to pay. If you cash the cheque you are really accepting the settlement.

 

You don't have to accept the write off, but the Insurers don't have to repair the car, if they feel it should be written off simply because the work required is too much, there could be unseen problems, costs could exceed write off value etc.

 

Some people opt to take their cars back to sort out minor repairs, if a write off does not work out for them. The problem you have is the settlement would be the cars market value, less the excess, less the salvage value and possibly less any Insurance premium left to pay, if you pay monthly. It won't leave you with much.

 

If you had a responsible third party and their Insurers will accept liability, it can be easier to resolve that way. Then you have no excess deducted, no remaining premium deducted. Claiming on your own Insurance and then trying to claim back afterwards from a third party can take a long time. You end up suffering through no fault of your own making.

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  • 2 weeks later...

Thanks for the replies, appreciated. As I expected, they have written off as a Cat C. Currently in negotiations regarding their final settlement value.

 

They are very quick to send out cheques etc. and ask for V5C documents before you have even agreed to a settlement! Reasonably confident I can squeeze a little more out of them than they were offering in the first place, but we shall see... :)

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one problem is getting like for like. If you had a low mileage good conditioned car that was quite old it will cost you a damned sight more to replace then what they offer you for your car which will be the bottom end of the trade in value for a banger of the same marque. Ask them to go out and find you the same car for waht they are offering as a cash settlement.

I had that with a clai for a watch. They offered £500 for a £1000 watch so i asked them if they would pay for an identical watch if I could find one. They foolishly said yes I found one in Canada and surprise surprise they wouldnt buy it for me but did increase their cash offer to £800. Persistence pays

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