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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.
       
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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. 
       
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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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Intrum/Tesco card CCA reply.


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Hi all.

 

I sent Intrum a CCA on 12/03 by royal mail signed for. Had a letter from Intrum today, dated 14/03. It says.

 

We are aware that you have raised a dispute/query on the above account.

 

What happens next

We will contact the original creditor in order to request any information they hold relating to a dispute in relation to this account. It may take several weeks for them to gather this information.

We will suspend collections activity on this account whilst we endeavor to obtain these documents.

 

What you can do

Please send us any information you have in relation to your dispute/query; this can include;

 

Details of what the dispute relates to

Copies of any letters from the original creditor relating to your dispute

Copies of any letters to the original creditor.

 

The letter gives the date they purchased the account from tesco as january this year.

 

I am still paying tesco £1 a month, and the CCA was the 1st contact i have made with Intrum. Can i safely now cancel the £1 a month payment to tesco, as Intrum are the new owners (according to them). I have recieved no correspondence from tesco.

If they do not comply with the CCA in the statutory time period, as looks very possible, what is my next move ?.

 

Thanks

 

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Thread moved to Debt Collection Agencies Forum...please continue to post here to your thread.

 

Andy

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I`m not sending them anything. I am still paying tesco. Next payment due middle of next month.

Yes i sent it to PO box in Reigate.

If you have had no response since 8/2, surely they are in breach of the time limit. I thought it was 12 days.

Thanks andyorch for moving it to the correct place.

Edited by dummyneedshelp
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You haven't got a dispute or a query...you have made a legal request using section 78 pursuant to the CCA1974 .....if they cant comply within 12+2 days they are in default and unable to do anything with the debt legally.... forget them.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Ok thanks andyorch. Is there a template letter to send them once they are in breach of the CCA ?.

Yes same here with letter. But they must have it because that's the only time I have contacted them. They have replied admitting a dispute so cannot deny receiving the letter.

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Noooo we dont do reminders...they are fully aware of their legal obligations and compliance  time frame.

 

Claire1979!! if you could start your own thread on this rather than complicate someone else's thread thanks.

 

Andy

 

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So why are you posting in the middle of dummyneedshelp Thread ?

We could do with some help from you.

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Thanks andyorch.

So if they dont give me the information by 12+2 days from the date of their letter of 14/03, i will in future just ignore them. They have not actually admitted receiving the CCA letter,  but sent me the letter with the text in my first post. So i presume thats good enough.

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No from the date of your request.....12th March 2018

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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  • 4 weeks later...

Well they can still remind you of the debt and everything would start up again if they found the contract. What they cannot do is take you to Court nor insist that you pay any more money. I presume you have stopped paying the one pound each month?

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I don't know if it makes any difference but this was defaulted in 2004. 

My situation has changed and soon I will not be contactable. No address, no forwarding address or mail redirection.

So if they send any letters I will not get them.

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21 minutes ago, dummyneedshelp said:

How can start up again ?. I thought if they did not respond within the time limit that was that.

Yes I stopped paying Tesco. I never paid intrum nothing.

If they are able to locate the missing documents then there is the right to continue pursuit including going to Court. However as the debt is going back as long as it has, it is pretty unlikely that Tesco will have kept the original. Intrum might decide to send you a reconstituted agreement and if so please come back to us.

It would be sensible to provide them with an address to prevent any chance of getting a CCJ though the backdoor.

 

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  • 1 month later...

scan the CCA return up to ONE multipage PDF

read upload

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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Even with their ''recon'' toilet paper, they'll need to furnish a court with the original for agreements pre 2007, so I'm guessing they have nothing and they know it, they're simply hoping you won't.

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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