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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?
       
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      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.
       
      • 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.
       
      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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Idrww - Left UAE 2013 with a loan-Claim Form Received


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Hi

 

Left UAE 2013 with a loan (lost job was advised to leave country by company, I’m back in the UK)

 

CWD made contact in 2014, and 2016,

I denied the debt and evidence that I was in contact with the bank. then nothing.

Then last week IDRWW text me (?) and letter saying they got my details from the banks portfolio and can I make contact.

 

Do I ignore?

I have evidence of my contact with the bank

- there is/was an ongoing complaint and they have not tried to resolve it either way.

 

I’m anxious about this now

 

Any actual outcomes?

I searched London gazette and only 1 person from CWD was made bankrupt that I can find and that was a while back.

I just bought a house less than 1 year ago and have no equity (help to buy)

 

Reassurance or actual outcomes are needed if anyone has any please?

Ta

Edited by dx100uk
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there are a couple of CWD/IDRWW SD threads running here.   as with all such threads , I would take anything you read with a word of caution, just remember we don't know who these people are.  

There is not one solicitor, judge, charity, individual that know about debt in Dubai being collected in the UK.   You should not pay anyone it’s pointless mate trust me and listen to the guy

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This was the reply from Stepchange debt help people....

 

As the debt is a non-UK debt and we are regulated by the Financial Conduct Authority to give advice on UK debts only, we can only advise here in an extremely limited capacity and would want to make it clear that our expertise only goes so far here.

 

To be on the safe side, I would advise you get in touch with both.

This way you know you have covered all bases.

The debt collection agency is being employed to collect the debt by the foreign company.

This means they probably haven’t yet taken court action.

 

We can't advise on the specific likelihood this foreign debt will lead to court action, but we can say, generally, that the bigger the debt is, the more likely a creditor is to consider court action to recover the debt. At the moment, it seems as though they are content in asking a debt collection agency to do their best to recover the debt and potentially come to some type of arrangement.

 

Usually, a creditor on foreign shores has to get a court order in the country of the debt's origin before they can start a claim in the UK courts.

Then, there is always a chance the UK courts may reject the claim on the grounds the claim is contrary to justice under UK law, but I wouldn’t count on this.

 

You can see that this process could be seen as relatively long and arduous for the creditor in question, so this is why they often try other methods such as employing a debt collection agency, whose powers are limited to asking for payment and potentially threatening court action.

If it did get as far as court action, we would advise seeking specialist legal advice with an entity or party able to advise on the legal system of the country in question.

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please have a read of the threads in this forum, you will see that no one has been taken to court in the UK for one of these UAE debts

 

I would reiterate it is best to totally ignore, they will try and frighten you but will not take this any further

 

a dca is not a bailiff and has no more powers that you or me

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I thought I had read on here someone served with statutory demand / then bankrupt papers? But can’t find the outcome. I can and will ignore but I’d rather it didn’t get to that point....

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there are a couple of CWD/IDRWW SD threads running here.

 

as with all such threads , I would take anything you read with a word of caution, just remember we don't know who these people are.

 

it has been known , as you have seen in your research, for patsy's to be used whom get paid a greater sum to allow SD/BK to happen just to frighten people that hear about them.

 

your research very much mirrors what we have said from day one here on cag...

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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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the recent thread about a SD will not go well for IDRWW in my opinion.

The poster seems to have a handle on things.

 

Now, anyone can sue anyone for any reason, it is only when it gets to court do the people concerned actually find out how good a claim is.

 

So, if you do get any court documents you must acknowledge and then challenge them.

that is usually enough as the company knows that it is abusing the system.

Until that point anything they send is just scrap paper.

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Wouldn't worry about their arbitrary time scales, ignore them, just keep us informed with their progress, have you checked your credit file?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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cant appear of credit files.

 

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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Just making sure you were awake DX...... :doh:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ignore ignore ignore.

I know one muppet that engaged them and paid

He is still barred from uae and debt is still outstanding.

 

If they come to your house say you’re not there.

If they send letters, return them as not at this address.

 

Do not ever engage them.

They are a bunch of crooks.

 

If an unknown number calls answer but don’t give your name, ask who is calling.

when they ask for you tell them wrong number. DO NOT ENGAGE!!!!!!

 

Sooner or later they give up.... as long as you ignore them

Edited by dx100uk
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  • 2 weeks later...

hi

 

another letter from CWD - Practice Direction on Pre-Action Conduct and Protocol - contained in the civil procedures rules (CPR) - its giving me 30 days to reply.

 

see attached what i have received, along with a copy of the application, and statements.

 

and this......

Letter of Claim.pdf

#RAK - DEBT PROTOCOL - ANNEXES.pdf

Edited by dx100uk
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bounce block return And ignore emails!!

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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Two threads merged

Posts from another thread moved here

 

Please keep to one thread

Please keep to your thread

 

It came by email

Follow post 16

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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You never respond to emails about debts ever!!

Block bounce return ..ignore

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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  • 2 weeks later...

Hey there; similar situation here. But what i have learnt from reliable sources is that they can only make an attempt to collect debts and according to UK laws. I have heard conflicting stories of the enforceability of debt purchases.The only issue comes by when the courts in UAE issue a sentence. Not that they can do much; but the banks can still request for an enforcement of the local courts judgement in the UK.

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no they cant.

 

your reliable sources are not reliable.

debt in UAE is a criminal sentence, in the UK it is only a civil offence.

 

if your reliable source is that certain website, they say that to gander customers to fleece on fees to supposedly defend you and negotiate payment on the debts..[and get a hefty backhander from the creditor]

 

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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Foreign debts can be enforced in UK Courts, but it is not that straightforward. The foreign creditor would have to employ UK Solicitors, who would charge them a lot. Then there is the process which would take months, with no certainty that they would recover the debt. If they ended up with a CCJ, but the debtor can only afford say £50 a month, what would be the point ?

 

If you owned UK assets such as a house, then it might be worth pursuing you. But again, it is the process, cost and issues they would face.

 

The Debt collectors who buy these debts try to fool you into paying them. You would think if they could enforce easily, they would issue say 2 letters and if no response, get a Solicitors to issue a court claim. It is obviously not that simple or cheap for them to do so. There are not many real cases reported of UAD debts being enforced in UK courts. Ask the question why ?

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