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Stoosh

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  1. My partner hasn't, unfortunately which is far from ideal, I know. She was insistent on going prepayment and repeatedly tried to get the prepayment meter installed to both pay for what we use and clear debt which is what was agreed multiple times. Every time they came out, they either never had the part or access to our downstairs neighbour to change things over to prepayment which they seemingly need. I'm guessing the non-payment severely limits what we can do?
  2. My partner moved into our current property in 2012, I moved in a year after. Long story short is that my partner requested when moving in w/ Scottish Power that we pay by pre-payment meter for electricity which we did and continue to do for our Gas. The toing and froing over this dragged out all the way into 2017, threatening letters and threats at the door from Face 2 Face as by this time the debt was starting to build up. I have demonstrable proof that in 2017, myself and my partner made ourselves available for an engineer visit to install a prepayment electric meter and every time they claimed not to have the part. Sometimes they would call in advance to tell us this, other times they’d show up and tell us. We live in an upper maisonette and apparently the electric is linked with the property below. Face 2 Face have nearly burst our door open during lockdown (was lying in bed waiting on COVID results in November 2020, they were banging so loud they never heard me saying I was ill) and since then, my partner has made a further 3 appointments which they didn’t even show up for at all but again, last week, we get the threatening letters. I have a rough idea of how I’m going to tackle this, as far as I’m concerned failure of service from SP has prevented us paying via our preferred method and they’ve wasted time missing appointments which I believe is something they would charge us for. In short, should I write to SP/Face 2 Face and give them one-more chance before going to the ombudsman? My name isn’t yet on the account but they do refer to me as the occupier on the letters sent to my partner. Really wary of them defaulting me or adding this to my credit file when it isn’t my doing.
  3. Hi All, I'm in the process of trying to clear up my credit file. I went through a very tough 3 years or so from 2016-2019 with payday lending. Thankfully, I cleared most/all of it, but I've reached out to 2 of the lenders who are essentially refusing to take any further payment from me without calls to their office. I don't want to engage with them in any capacity beyond email, I've asked repeatedly for bank details to set up a standing order etc but they don't seem to be moving at all. I'm in Scotland - any advice on how to handle this? None have had a payment for over a year, didn't think I'd get the pushback I've received on arrangements.
  4. Hi All, My partner has had a letter through today confirming a decree has been granted against her on a simple procedure raised by Nolans over an HBOS debt she believed to be proscribed. She sent a subject access request, got a response and the next letter we've had is from the Registry confirming the decree. No court hearing, no further letters from Nolans.....nothing. I actually won a similar case against Nolans a few years back, there was no court date though in the papers my partner received - has there been a change in the process at all due to COVID? I'm based in Scotland btw - any advice appreciated.
  5. TBH i was hoping it wouldn't have gone this far -was hoping to move on & had assumed they'd settled & was happy to leave it at that. I'm relatively familiar with the process, had to do it for a summary cause I Was cited for last year, hopefully they come back to me today but I don't see how I can trust them anymore to resolve this.
  6. Unfortunately not. But I've asked them to retrieve all texts they've ever sent - yeah I did mean 2017 sorry. The settlement figure increased between when they sent me it & when my funds cleared to settle the account -they text once saying I still owed them £6-£8 and another time a few hours later saying the loan was settled in full. They've repeatedly referred to a settlement form I had to sign & didn't - checked every email I've had from them and I've never received it. One email I have from December claiming to have said attachment contains a random HTML with details of how to complain to the ombudsman..
  7. They have pal, yeah. Disappointed that it's come to this not to mention the damage to my credit file. They never actually sent me the settlement form, asked them at the end of January for another copy & they never sent it
  8. Hello All, I’ve a feeling that I’ll need to go to the Ombudsman but would be grateful for any assistance.: Long Story short, I approached PayDay UK/MEM Capital last July 2017 and requested a settlement figure as I released equity in a property I own to clear my feet. I was given the figure and when the funds cleared acouple of weeks later, I received 2 text messages (16/8/18) 1st text said I was £8 short due to accruing interest since the initial settlement figure was issued, and literally acouple of hours later I received another text saying my loan was settled in full. As a result, I received zero correspondence from the lender until December 17 when they started requesting a payment of £180 which was pure interest – I contacted them, they said that because I never completed a settlement form, they didn’t action this so I requested another copy of said form as I hadn’t received it - this was on 29/1/18 and today, no response to the email I sent saying I didn’t have the settlement form but I did get confirmation that they’ve issued a default! I’m in the middle of trying to clear my credit file up and have been slwly imporving my credit score –any advice on how to approach this? Last email (copied in a company director too) has requested confirmation they’ve removed this default before close of play or I’ll escalate to the Ombudsman. Absolutely fuming with this. :-x:-x
  9. Good luck Michael. Neither Nolans or Cabot will go anywhere near a courtroom up here, so don't worry. As long as you are more informed than the local agent the judge will eventually tire of it & launch it out Nolans took me to court for the same thing earlier this year, no showed & lefty the local agent looking daft every time. They failed to produce any proof of how & when I last paid their client & when it came to the proof part (3rd time in court) they tried to circumvent court procedure by asking for more time. Not entirely sure how they are allowed to waste so many people's time but there we are.
  10. Got myself in a tizzy over nothing tbh. They haven't represented themselves once, failed to submit an IA reducing the amount after writing to me telling me they had - they left the local agent high & dry - the rest of the agents & courtroom absolutely destroyed them..
  11. Decree absolved granted!! They asked for a dismissal, judge said it was an attempt to circumvent court process as this would let them raise action again in future... Delighted ...thanks to all who responded and assisted me. Decree absolvitor sorry*
  12. Had a lot going on this month between this & been rather ill - so any other action I should take about this letter? I actually checked my bank statements - nothing went in or out my account between November 2011 & February 2012 so there's literally nothing on the statements - theres a specific reason for it too
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