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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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      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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MadMax V Lloyds TSB Claissc Card - Need Help


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Need help please CAG.

Okay I have various claims going on but I’m trying to get my 6 years worth of statements for a very old Lloyds TSB Classic Credit card.

The account is long closed and settled but I remember having a large amount of charges on it as I was young and stupid.

I sent my SAR off to Lloyds Card Services and have had a letter back saying they have no record of my account.

As it was years ago I don’t have any paperwork, card number or anything relating to it so I’m a bit stuck.

The card was definitely active less than 6 years ago.

Any ideas as I don’t want the Blackhorse to get away with this one as there being buggers on my current account claim.

Many Thanks,

MadMaxCTR :cool:

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

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Any ideas then CAG.

 

Bit stuck and don't want them to weasle out since its was within 6 years.

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

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They should be able to locate the account with your full name and date of birth - also would help if you gave them an address that you were at at the time.

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Cheers for the imput.

 

I had already given my address (still the same as when i had the card) but to no avail.

 

I've re-sent the S.A.R - (Subject Access Request) with as such info as i could think of. I also have a LLoyds current account so i've given those details incase they can link it from that.

 

Oh, didn't think about the credit file thing. How could i get that info. Would i need to pay for a credit reference search with Experian or something?????

 

I knew i should have kept those old statements..... doh.

 

MadMaxCTR:cool:

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

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Hi

Check out this link for free copies of your credit files:

Your Credit Rating: How it works and how to improve it...

 

Good luck, let us know how you get on.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 2 months later...

the British Bankers Association is responsible for all dormant and lost accounts.

 

the banking code (which all most all banks sign to adhere to) deals with this issue;

 

"dormant and lost accounts, and unclaimed assets

9.16 if you have money in a dormant account, it will always be your property ... no matter how many years pass

9.17 if you ask us, we will tell you how to access these accounts either directly, or via the british bankers association

 

there website has the appropriate leaflets and claim forms.

I am not a legal expert and my words are my opinion only and do not constitute legal advice.

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  • 1 month later...

Finally received the statements out of the blue some 2-3 months late.

 

Anyway no late payment charges or over credit limit ones. :(

 

Oh well.

 

MadMaxCTR

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

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