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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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Dubai Debt through UK Courts

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My last correspondence with IDRWW was in January of this year and after my last letter saying to them telling them to show me what you can do or indeed get Mr Coyle from CWD to get in touch then I will reply I have heard nothing again.


I want for the next round from them or the others from Dubai its a fun game (also all other debt collection agencies in Dubai which seemed to have backed off a little )


I am the same 11 years ago from Dubai now and 6 years ago someone from CWD (when they were getting excited and starting out) had the cheek to call me at work to which I took them to the cleaners !! for breaking every rule possible.


It was only when i seen an email then from IDRWW using there offices that I knew what he was trying to do 

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numerous posts moved to your own thread updating your story   by all means show support to all the o others here but please keep updates to your situation to this thread only  

I’m fighting IDRWW and CWD and I’m looking into taking CWD to court also for their 9 years of unprofessional abuse on the back of DCA in Dubai also.


Latest update is I received an email from IDRWW one Mr Letheren who was also with CWD who contacted me in 2014 so I’m guessing he’s moved over to IDRWW.


The email contained a document that you cannot open and have to request a pin !! 


Ive repeatedly told them I will not entertain anything until this debt has been bought with all 4 banks and they issue court summons then I shall file my defence with 9 years of evidence from the abuse received. 

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I think it maybe only a matte of time for me also although different circumstances 


on another note after 3 years the FO have finally acknowledged my complaint and the daily mail and the FO have written to Mr Coyle and indeed IDR.


It seems that now they are using solicitors as debt collectors without titles and without signing off emails very shady and very dodgy ! 


I will certainly update you once I get my feedback 

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Thanks for your note much appreciated but I can and will ignore as much as I can as I have done for many years until correct laws are followed.


If and when the time comes thanks Bankruptcy will help me a lot (you don't know my situation) but appreciated the link very helpful.


I will not see anybody in a court room for a foreign debt nor should anyone on here be entertaining sending paperwork, financial details etc to a firm that do not even own your debt ! and then on the backside the hammered by other collection agents etc for the same debt to be collected.


Once again I go with DX statement from a few years back that scaremongering is not the way.

Been on the journey since 2009 and riding well

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Thanks DX but believe me without you guys here and following in for the last years I would of gone into depression trust me.


Now it’s having confidence and again thanks to you and the team it’s helps but I also had to do a lot of research from 2011 and get smart. It was only in 2014 it started to get heavy but I was prepared. 


The only thing for me is waiting that is all just waiting either CWD or this new one Moriarty as I owe 4 banks total £90k ( with charges ) but by the law and correct. 


the funny thing is I have settlement offers from the banks themselves and the odd Ramadan email offer 75% off blah blah blah but unfortunately I don’t have that money otherwise of course I would. 

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numerous posts moved to your own thread updating your story


by all means show support to all the o others here

but please keep updates to your situation to this thread only




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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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