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    • Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week. I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.   Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.   Thank you for your email.   I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.   Can you please confirm how you make up the deficit each month?   When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.   Rent/ Mortgage has increased by £1,162.00   Housekeeping has increased by £580.00   Household Bills has increased by £507.40   Car/ Travel has increased by £123.80   Social has increased by £150.00.   Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.   Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.   LINK REMOVED.   I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.   They have now issued a default notice.   Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.  
    • Click on the SAR link. They will send you everything, that they have on you, screen shot's , emails, etc.  You will be looking for, and will easily find the date that a default notice was sent out, and sold to Cabot. If the default date is before your last payment date then it will be statute barred in 3 months.   Providing the DCA has your current address I really don't think you have anything to worry about. 
    • Is it possible to see my defaults from over 5 years ago anywhere. Not showing on my credit file. I downloaded the whole thing from experian. 
    • Do I just try to say I haven't received there correspondence and ask them to send it recorded delivery and hang it out until 2021?
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A Shade Greener – ASG boilers – Everlasting Boilers

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I unfortunately signed up with this company back in 2013.  

On signing up I felt that I was bull rushed into signing the paperwork and when asking questions the male who came out was really obtuse.    


At the time I had been made redundant and felt I had no choice.

No body explained to me about the charging order put on my property either.  


Last year I phoned and asked how much to settle the account as I am selling the property.  

The person on the phone laughed stating I had another four years.


I asked for a copy of the contract as I was not told it would be for ten years.

 However on reading the small print it is actually 14 years.

the company have been rude and unpleasant and not at all helpful.

 I had been struggling with debt and the sale of the property is part of my solution.  


however the company do not care and just want their money.  

I also discovered in the small print that there is a charging order on the property and they wouldn’t remove until I paid thousands. 

I spoke to ASG again and explained I didn’t have thousands but would in a position to then start paying if I could reduce my debt by selling the house but cannot because of the charging order. 

I was told to ask my solicitor by shade greener  regards to an undertaking in respect of my situation with a promise to pay and they would put a hold on my account whilst waiting for the solicitor to set this up.


However in the meantime they have now sent me court papers.  

I was given a settlement figure and I believed was negotiating payment.


They have also denied they said about an undertaking and want all the money.  

I’ve asked them why they sent me papers and they stated they had sent a default notice.


 However I had phoned them several times regarding this and they said they put a hold on my account.   

I have also asked for a breakdown of how they came to the figure as it changes all the time.  


Made a formal complaint by email weeks ago saying I had to phone them in the first instance.  

So did this to be told I have to put it in writing.  

I feel like I’m going in circles


im at a loss what to do.  

I’ve had to borrow £2400 to pay them and now have to pay the £150 on top which they won’t negotiate on.  

I feel they have done nothing to help me and not even willing to open into discussions.   I will continue down a formal complaint path so I can take this to the ombudsman.   The company miss sold to me and failed to be upfront with the details of the contract.   

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I hope my above post is in the correct place ?

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I have created your own topic please continue to post here .


You state you have received court papers...do you mean a court claim ?



We could do with some help from you.



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


If you want advice on your thread please PM me a link to your thread

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charging order put on the property when you took the loan out for a boiler?

doubt it, someone is lying to you ....?


if there  was a charging (secured  loan) order

they'd be no need for them get northant bulk court to issue you with a claimform...?





please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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Yes they can......Conditional Sale Agreement......its in their T&Cs....

We could do with some help from you.



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


If you want advice on your thread please PM me a link to your thread

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