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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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Removal of default notices on credit record?


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I know this is quite an old thread but i have been reading through in interest.

 

I sent the first letter found here (which has been used effectively by others on the site) - Remove Default Notices on a Credit File - We show you how | LearnMoney.co.uk to try to get a default removed.

 

Egg ignored this so i sent this follow up letter -

 

"I wrote to you on the 11th December 2008 asking for some relevant information. I enclose a copy of the letter which was sent via recorded delivery with a £1 postal order enclosed.

I have received no response from you.

As 28 days has now passed from the date of the letter you are now in breach of your duties under Section 78 of the Consumer Credit Act. If you do not answer my original questions and reply within 7 days I will have no choice but to escalate the matter to the relevant authorities including the Banking Ombudsman, Office of Fair Trading and the Information Commissioner's Office."

 

yet again no response! now im at a loss as to what to do next! the website above only gives letter templates for when they actually respond to you not if they ignore you completely. i assume i should carry out my threats but not sure which organisation is most likely to be able to help with my complaint...

 

i also sent it to BOS who sent me a letter back asking me to supply the customers credit card number (was not a credit card debt & i am clearly the customer) - how thick are they!?!?!?

Did anything come of this?:confused:

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Hi highlander

 

1. start a new thread, you'll get more replies that way. link to it on this thread so people can fid their way there. :)

2. best to start two threads, one for each account, this avoids confusion and maintains focus.

3. re the first DN, paste it up, and if you paid it off IMMEDIATELY then surely the breach will have been remedied = no default? more details required.

 

regards, avatari

To err is human: to completely mess up is my peculiar gift.

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I have Default on my file issued by Orange. When I asked them to remove it because it is not a Consumer Credit Regualted agreement they say it is not a 'Default Notice' but a notice that I have defaulted as per the terms and conditions that came with my phone. It is definitely down as a default notice on my credit file. The FSA refuse to look at my complaint. Where do I go and what else can I do?

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Hi - I settled my 2004 debt in full in 2008 but had been issued with a default notice on 3rd March 2006, meaning that for 2 more years it will show up on my credit record. The default notice was not signed so my question is - is it valid? If it is valid can I negotiate with Link Financial (was Asset Link) to have the default notice removed. Unfortunately, I didn't think to have the default notice removed when I settled the outstanding sum.:confused:

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To get a default removed it took me 3 years of arguing.My case was similar I complained to ICO who ruled in my favour that the defaults were unfair.I had paid a debt through CCCS since 2000-2006 then the debt was sold from MBNA to HFOS.Both had added defaults,so i complained and it was stated by ICO that 2 defaults couldnt be added for same debt plus the default should have been added when the account first defaulted in 2000 to add it later would have messed up my credit file from 2000 6yrs than another 6yrs to 2012 which was wrong.Hard work but good luck!!:|

MBNA £250 bank charges refunded.:lol:

MBNA claimed £2700 in PPI:lol:

MBNA default removed.

WESCOT balance written off no cca.

WESCOT default removed.

TIME RETAIL.default removed.

LLOYDS TSB.£150 charges refunded

MINT £220 charges refunded.

currently 4 in dispute unenforcible agreements.

HFOS ordered to remove default

YORKSHIRE paid token £200 PPI going now for full £600

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Hi - I settled my 2004 debt in full in 2008 but had been issued with a default notice on 3rd March 2006, meaning that for 2 more years it will show up on my credit record. The default notice was not signed so my question is - is it valid? If it is valid can I negotiate with Link Financial (was Asset Link) to have the default notice removed. Unfortunately, I didn't think to have the default notice removed when I settled the outstanding sum.:confused:

 

If you defaulted in 2004 and settled years later they are entitled to default you a default notice doesnt have to be signed . You can only get it removed if they have done something wrong or dont have correct paperwork etc or default notice value wrong etc regards Gaz

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As I said if you owed on a debt from 2004 originally,than the default occurs when you miss payments.If you missed payments in 2006 than you would be defaulted from then and not a lot you can do about i,m afraid

MBNA £250 bank charges refunded.:lol:

MBNA claimed £2700 in PPI:lol:

MBNA default removed.

WESCOT balance written off no cca.

WESCOT default removed.

TIME RETAIL.default removed.

LLOYDS TSB.£150 charges refunded

MINT £220 charges refunded.

currently 4 in dispute unenforcible agreements.

HFOS ordered to remove default

YORKSHIRE paid token £200 PPI going now for full £600

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  • 4 weeks later...
Hello, below is a copy of the letter that I sent.

 

Best regards

 

20th June 2006

 

Dear Sir/Madam

Account number – 5434 XXXXXXXXXX

 

After recently obtaining a copy of my credit file from Equifax I was concerned to note that your company has placed a "Default" notice against an account in my name.

Further to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 cheque in payment of the statutory fee, Cheque number 100171.

2. You must supply me with a signed true and certified copy of the original default notice

I would request that this data is provided to me within the next 14 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated.

 

Yours faithfully

 

 

 

David

 

Hope this helps.

Hi :Boy: This is indeed good news. I will be attempting to get my default notice removed from Barclays bank asap. Excuse my ignorance in this matter but did you have to pay off your debt with Abbey before sending the grievance letter out to Abbey? I owe the bank £1'000 (a mix of overdraft limit (£500) and £500 of charges) I'm wondering wether to pay it off before attempting to get the default notice removed.

 

If anyone else can advise in this matter please feel free to reply to my post.

 

Many thanks in advance

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Look al the creditor will do will send you a regurgiatated copy of an agreement if he cant find the original and a made up copy of the default notice if he cant find it what u going to do then ? Regards Gaz

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I know :Boy: posted that thread some time ago and things might have changed since. What are the odds of getting my default notice removed? I have only received a warning letter but no 'notice' or written confirmation stipulating that the default would be applied indefinitely therefor the question remains - is the bank is in breach?

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I know :Boy: posted that thread some time ago and things might have changed since. What are the odds of getting my default notice removed? I have only received a warning letter but no 'notice' or written confirmation stipulating that the default would be applied indefinitely therefor the question remains - is the bank is in breach?

 

the default is for 6 years once its on not sure what your reasons why they should remove explain gaz

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the default is for 6 years once its on not sure what your reasons why they should remove explain gaz

That is what I'm trying to find out - if its possible to get the default removed what is required to make it so...

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That is what I'm trying to find out - if its possible to get the default removed what is required to make it so...

 

no debt never behind with payments not your debt no default notice never an agreement

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Unless you can find fault on how it was applied it would be very difficult

MBNA £250 bank charges refunded.:lol:

MBNA claimed £2700 in PPI:lol:

MBNA default removed.

WESCOT balance written off no cca.

WESCOT default removed.

TIME RETAIL.default removed.

LLOYDS TSB.£150 charges refunded

MINT £220 charges refunded.

currently 4 in dispute unenforcible agreements.

HFOS ordered to remove default

YORKSHIRE paid token £200 PPI going now for full £600

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  • 1 month later...

Please note that this topic has not had any new posts for the last 1642 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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