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    • And yes, they state their client is EON and that they can return the debt to EON who can either register a default or take me to court. 
    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
    • HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker.  Indeed, but if the Ombudsman is prepared to accept the complaint, it would be about the advice given by the broker and their paperwork, wouldn't it? You seem to be asserting that the problems you've had stem from their bad advice. HB
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If you refuse the new T&Cs, what if they demand repayment of the o/draft?


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Ok, so you have sent your letter:

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/226753-complaint-about-halifax-new.html#post2512552

 

and soon enough, HBOS are going to reply. You are worried they'll use their usual bully tactics and tell you that since you won't play ball,

they want you to repay your overdraft. Here's the catch: like so many of us, you can't.

 

Are you trapped?

 

Hell NO. :p

 

I wrote this a few years ago:

 

http://www.consumeractiongroup.co.uk/forum/getting-out-debt/73030-taking-back-control-your.html

 

and even though some of it has aged a bit, the advice is still relevant.

However, here for those of you who are just worried about the overdraft part, here's a guide to help you through this:

 

If the bank tells you to repay the overdraft in full, don't panic.

 

Go and open a parachute account. If your credit score is poor, you can still open a basic one, in which you can set up all your Standing Orders (and direct Debits if you must have them), get your benefits and wages etc all diverted there. BEWARE! Do not open an account with a bank which is part of the same group, you never know if they won't try to offset the debt.

 

Work out how much you can repay per week/month without leaving you in financial dire straits. Write to the bank telling them that you can not possibly repay the o/d in one go, and that you will pay back £xx per wk/mth/4 wks/whatever until o/d is cleared. Enclose 1st payment in letter. If they cash the cheque, it will be all the harder for them, in the case of future argument, to explain why, if they didn't accept the agreement, they cashed the cheque. You need to say in your letter that this is the best you can do, and if they are not happy with it, they can and should take you to court and ask a judge to decide what and how much you should repay. Oh, and demand that they freeze interest onto the debt until it is paid off, or at the very least that they keep you under the existing T&Cs and current interest rates.

 

Before you jump ship, change your contact details, phone nos especially so they can't hassle you. Ok, so it may not be particularly straight dealings, but then neither would it be them phoning you 30 times a day and harassing you, so think of it as getting your retaliation in first. ;-)

 

Once you are out of their clutches, what's the worst that can happen? They can add charge after charge, which you'll refuse to pay. Realistically, all they're doing is add numbers to something which is no longer dragging you down. Let them add!

 

They could pass it to a DCA. Oh NO! And? ... As long as you are paying off your o/draft at the rate you have offered, religiously and without fault, there is not a lot they can REALLY do. Think about it.

 

Please please please don't let the fear of the withdrawn overdraft frighten you. It is merely one more debt, and not -despite what they'd like you to believe- even an important one. In the great scheme of things to pay, it would be right at the bottom of the list. They know this. Now you do too. :-)

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Good post Bookie, stickied and closed.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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