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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.
       
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      • 3 replies
    • 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.
       
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Insuarance voided? after house fire for not divulging history?


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My house caught fire via my neighbour who has admitted responsibility,

the insurance have made suggestions they may void Claim due to previous history not being divulged .

 

If this happens (not confirmed yet ) what steps would you suggest next ?

 

Suing my neighbour ?

 

Please could someone advise my next steps and who to contact please

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Sorry, but you will need to advise us exactly what previous history was not divulged.

 

Insurers under FCA ICOBS rules applying to Insurers cannot use minor non disclosures to avoid paying a claim. If the non disclosure was significant to Insurers in deciding whether they could provide Insurance, then they may be justified.

 

How did the fire start in your neighbours house ?

 

How was your neighbour responsible ?

 

Is this house owned by you ? Do you have a current mortgage ?

We could do with some help from you.

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ICOBS document link. Section 8 claims handling.

 

https://www.handbook.fca.org.uk/handbook/ICOBS.pdf

 

It is written in a way that is not easy to understand, which is why we need more information. It is a case of looking at the non disclosure and working out whether Insurers would be justified in voiding the Insurance, therefore not paying a claim.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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So theyve said previous history but not said what? Usually theyd be direct and not just state "previous history"

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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So theyve said previous history but not said what? Usually theyd be direct and not just state "previous history"

Hi I will get more info in a weeks time. Will give more

Then. Thanks

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What was their exact reply to you?

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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