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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Alfy
      Ovo Energy Bill is way too high - faulty smart meter

      By Alfy · Posted

      Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Johnny1 leg
      2010 Loan Debt from Dubai bank last paid 2009 and IDR letters by Email

      By Johnny1 leg · Posted

      Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • AndyOrch
      Licensed breeder Puppy farm & genetically sick pups.***Settled***

      By AndyOrch · Posted

      Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and concluding your topic, title updated.   Andy   .
    • AndyOrch
      Licensed breeder Puppy farm & genetically sick pups.***Settled***

      By AndyOrch · Posted

      So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  
    • Hamz909
      PCM PCN - Royale Leisure Park - W3 (London)

      By Hamz909 · Posted

      Even on their map on their website, these parking rules encompass the whole pleasure park - there is no dedicated area for permits and another for free parking as stated. royal leisure park praking area map.pdf

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Credit check by letting agents?!

Guest Alison82

By Guest Alison82
in Residential and Commercial lettings/Freehold issues

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Guest Alison82

Guest Alison82

Posted
Posted

Can a letting Agent (sole agent) do a credit check? Are they able to go into your file and see whats what or do they look at you score?

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bongobaz

bongobaz

Posted
Posted

i have just had mine done through a leeting agent called lets xl!!

they have charged my g/f and i £50 each for a £2 credit check!!!

Halifax

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Cap One

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Citi Card

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Guest Alison82

Guest Alison82

Posted
Posted

Do they get to see everthing, it's just thst I have 2 defaults that I am currently in the process or arging and I don't want these to ruin my chances, will these be a major problem?

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bongobaz

bongobaz

Posted
Posted

they will use either experian, equifax or call credit!

and yes they will see everything on your report!

i have a ccj showing that was settled last year and i got turned down by lets xl so had to get a guarntor to sign with me!

if you tell them you have bad credit before they do the checks they will be ok about it!

just you might need a gurantor!!

 

hope this helps and keep us informed!!

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Jhawc24

Jhawc24

Posted
Posted

Does the guarantor have to agree to a credit check?

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

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Donation made 14/11

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bongobaz

bongobaz

Posted
Posted
Does the guarantor have to agree to a credit check?

 

mine didnt through lets xl.

they just had to be on electrol role and earn three and a half times the rent!

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Guest Alison82

Guest Alison82

Posted
Posted

Just soke to the letting guy, expalianed the situation, he said it was ok, it was just ccj and court orders they were worried about, a default is nothing for them to worry about; which has put my mind at rest

 

thanks

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Rich44

Rich44

Posted
Posted

Last time I had a problem and admitted to a CCJ I got turned down for the flat I wanted, when it came up again 6 months later I reapplied and declined to tell them about the CCJ I thought stuff em let a credit check spot it and I got the place they did do the credit check but still let me have the flat

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  • 2 weeks later...
martin2006

martin2006

Posted
Posted

it costs around £17.50 for an online credit check. the £2 check is the paper version u get sent to your home address.

ditto what everyone else says, just tell them first they are usually ok with it.

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Janet-M

Janet-M

Posted
Posted

No one can lodge a search of your credit file without you giving them permission as any searches stay on your file.If anyone has searched without you giving them permission then point it out to them straight away and demand they get the search removed.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Guest NATTIE

Guest NATTIE

Posted
Posted

My understanding of letting agents is that they write to the bank with your consent to ask whether you are creditworthy for a payment of x amount per week/month. I don't know their terminology but ours is status enquiry which costs £8.50.

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Janet-M

Janet-M

Posted
Posted

Maybe with consent , but a previous poster said it was done without consent

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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londinium

londinium

Posted
Posted

A Letting Agent can do both a status enquiry to your bank and a credit search as long as they have your permission to do so.

 

A bank will then charge you about £8-10 for the pleasure of a status enquiry.. The credit search normally costs the agent around £10.

 

The credit search can be a non registered search and thus does not effect any credit rating.

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  • 2 weeks later...
Guest Alison82

Guest Alison82

Posted
Posted

Quick question,

 

2 friends and I have just rented a flat, one of us wasn’t present when we were signing the contract last week and they haven’t arranged a time for her to sign her bit.

 

There are some things that need to be fixed in the flat such as a large pane of broken glass.

 

Is our contact valid if the 3 rd tenant hasn’t signed (it was rented as a 3 bedroom flat not room by room and she has signed a holding fee form about a month ago so that is proof that there is a 3rd tenant)

 

Any thoughts??

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Guest Alison82

Guest Alison82

Posted
Posted

Yes we have, there are lots of other little thinhg but they are putting it off, we wanted to see the place again before we moved in but they kept coming up with excuses like "the builder has the keys" for 2 weeks.

 

I just wanted to know, in case we had to consider saying that if he dosn't fix these things pronto then we will be leaving (but only if it turns out the contact is not valid until all 3 sign) we don't want to leave but he doesn't know that.

 

This glass is so dangerous if someone leans on it without realsing the will fall 5 floors!

 

Any thoughts?

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PKea

PKea

Posted
Posted

I would put it in writing to the Landlord, stating that it is unsafe and dangerous.

There is an authority to report to, Not sure who it is. They are like the HEalth & Safety Exec type of authority.

Try phoning Citizzens Advice, They will point you to the relevent authority

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m3shl

m3shl

Posted
Posted

The Landlords and Tenants Act 1985, Section 116(4) covers the landlords obligation to repairs. I would suggest that you write to the landlord and give him a reasonable deadline to have repairs carried out. Also state that if he fails to do this you will have the repair carried out by your own contractor and make payment from rental due to him and forward the invoice/receipt once received.

 

With regards to only 2 signatures on the agreement. I would suspect if you have an Assured Shorthold then you are "jointly and severally liable". You will still have a valid tenancy however the sticky point for you or the Landlord would be if he needed to take legal action against you. For example if your flatmate fails to pay rental and causes damage the Landlord will probably only proceed against the two who have signed - Basically it's you who is at risk of taking the brunt of any action caused by your flatmate who has not signed.

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Guest Alison82

Guest Alison82

Posted
Posted

With regards to only 2 signatures on the agreement. I would suspect if you have an Assured Shorthold then you are "jointly and severally liable". You will still have a valid tenancy however the sticky point for you or the Landlord would be if he needed to take legal action against you. For example if your flatmate fails to pay rental and causes damage the Landlord will probably only proceed against the two who have signed - Basically it's you who is at risk of taking the brunt of any action caused by your flatmate who has not signed.

 

 

Did think of it like that!! I better hurry the process along then!! It's not that he is not going to fix the glass he is just taking ages about it

 

Thanks

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