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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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Fax vs Original Documents


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Are faxes/scanned emailed documents now as valid as an original copy ? I ask because I am currently working abroad and find most UK companies accept emails, scanned documents, faxes etc to process my requests.

 

One however is adamant that an original is needed. There was a time limit on the request so I scanned a document and emailed it. They are adamant that the original is needed but the scanned document is sufficient to satisfy the time limit.

 

Does anyone have any similar experiences around this area.

 

Thanks.

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It depends on what it is for, I suppose. A fax / scan of, e.g, a birth certificate can easily be doctored. The more official something is, then the more likely it is, I presume, that an original would be needed. Where it is just to convey something, e.g, a sample of your signature, than I see no difference in whether it should be a fax or original.

 

On saying that I have applied for a couple of jobs that require enhanced CRB checks and all of it has been done via email - not one piece of original documentation asked for (yet!).

 

I suppose it is one of those cases where reasonableness is shadowed by officialdom.

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Are faxes/scanned emailed documents now as valid as an original copy ? I ask because I am currently working abroad and find most UK companies accept emails, scanned documents, faxes etc to process my requests.

 

One however is adamant that an original is needed. There was a time limit on the request so I scanned a document and emailed it. They are adamant that the original is needed but the scanned document is sufficient to satisfy the time limit.

 

Does anyone have any similar experiences around this area.

 

Thanks.

 

I rarely agree to give my original documents. What I try to do is go to a Solicitor and get them to photocopy the original and mark it as a certified copy. They are obliged to accept this, as it as good as the original. As you are abroad they may insist on a Notary as the laws vary in different countries, but that's what I'd try and do.

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:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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Thanks for the replies. The document isn't a piece of identification, perhaps the use of the word document suggested otherwise.

 

It is just an instruction to a company I have a relationship with. They know my signature and the scanned form sent to them is sufficient to meet a time limit for a transaction but they want the original signed letter/form before actually completing the transaction.

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