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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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CCJs paid in full - Pre Employment check


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Dear members, I received 3 x CCJs last year to do with Private parking firms but every time came across them well on time with help of my credit score agency and decided to pay up in full within 1 month of judgement date.

 

 

Just checked for any judgements for peace of mind by paying up for a report via https://www.rtlproduction.com/search.aspx and report says "Nothing Registered"

 

 

Question is - I've been offered a job which needs an external company to carry on pre employment checks and one of the questions on the form is

 

 

"Have you ever had civil proceedings taken against you by creditors e.g CCJ or IVA?, if yes please provide details."

 

 

What is the right thing to do? Should I say No based on report I just ran? Or should I say yes and put a note explaining why did I get it (all comms sent to wrong address and claimant won by default) and that its all paid up in full?

 

 

How do these agency check such record?

 

 

thanks

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If all paid up within the 28 dys, no judgment registered, so nothing for them to see.

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Just tell them no. Nothing will appear on any record because nothing is entered until 28 days after the CCJ is granted.

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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It is a shame you didn't challenge the CCJs rather than just pay them.

However whichever strategy you followed, strictly speaking civil proceedings have been taken against you. I don't know if there is a way to find out whether you have been taken to Court for a debt perhaps by checking Court records at the time of the hearing. The problem is that if you say no and it later transpires that records are found you could be in far more serious trouble than admitting what happened and how you resolved them.

I understand the predicament you are in and the fact that nothing is showing on the CCJ register. However by saying no, which is untrue, you could miss out on this job.

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Doesnt matter if proceeding were taken. Nothing is on the register so the CCJ doesnt exist. Payment within 28 days wipes it.

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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Not sure they understand what they are asking..

An iva is not civil proceedings.

 

Type out the question verbatum please

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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Not sure they understand what they are asking..

An iva is not civil proceedings.

 

Type out the question verbatum please

 

I copied and pasted the question from the form as is.

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It is a shame you didn't challenge the CCJs rather than just pay them.

However whichever strategy you followed, strictly speaking civil proceedings have been taken against you. I don't know if there is a way to find out whether you have been taken to Court for a debt perhaps by checking Court records at the time of the hearing. The problem is that if you say no and it later transpires that records are found you could be in far more serious trouble than admitting what happened and how you resolved them.

I understand the predicament you are in and the fact that nothing is showing on the CCJ register. However by saying no, which is untrue, you could miss out on this job.

 

No hearing or anything happened. All 3 were judgements by default because claims were sent to old address where vehicle was left registered unfortunately. I figured out each time via my credit file alerts.

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Pers id say no then

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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I appear to be in the minority here. If you are not going to admit it bear in mind a couple of things. Even though you say there was no hearing because you weren't there, each case was heard in Court as they didn't know you weren't going to be there. So there will be a record at that Court with the name of the parking company and your name on that date. Also in the future what would you do if in a position of authority you had to make a decision about an employee who had lied on their application.

 

You could try ringing one of these vetting type on companies and ask if they could trace someone who had paid off a ccj within a month .[You might have to make up some story that your company is looking for that kind of service as financial probity is very important in your profession and is that the sort of service that they could provide].

 

The other question I have is how did you not manage to prevent the second and third tickets from going to Court. A mail redirect would surely have nipped them in the bud.

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I appear to be in the minority here. If you are not going to admit it bear in mind a couple of things. Even though you say there was no hearing because you weren't there, each case was heard in Court as they didn't know you weren't going to be there. So there will be a record at that Court with the name of the parking company and your name on that date. Also in the future what would you do if in a position of authority you had to make a decision about an employee who had lied on their application.

 

I'll join you in that minority. The question the employer check asks isn't "Have you ever had a CCJ?" it's "Have you ever had civil proceedings taken against you by creditors?" A CCJ is just an example. So is the answer to the question they actually ask 'Yes' or 'No'?

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TBH they wont give a toss about a CCJ from a parking co when you moved house,

it is not about whether you can manage your finances or not which is what they are interested in.

 

If you say no then if they search the register will your name appear?

they cant do a search for names of people were sued whose cases were settled becuase no such list exists.

 

Again, what about if you were taken to court and the judge decided the claimant was an out and out rogue,

that wouldnt appear on the list of claim numbers and names so when they ask about this they are saying FOR EXAMPLE as their list isnt exhaustive and certainly isnt accurate when considering the question.

 

People who sue arent always creditors.

You could be sued for damages caused by your dog biting next doors cat

so a CCJ for that wouldnt need to be nentioned even though you hadnt paid the order

 

So whatever you say wont be wrong or right because it isnt a proper question.

Edited by dx100uk
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