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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
    • She did try contacting EON in the early days of the debt but they refused to speak to her because she could not pass the security checks. She didn't know the answers on an account she hadn't opened?   I also saw this article recently which could be what has happended here: Debt collection agencies in the UK are using fair means or foul to link people to an address where an unpaid debt has been run up, sometimes years after they have moved out The Guardian Anna Tims Mon 22 Apr 2024 The letter from the debt collection agency arrived out of the blue, and it was intimidating. It informed Joshua Simpson* that he owed £2,212 to Octopus Energy, and accused him of ignoring previous requests to settle the bill. If he did not stump up within 14 days, he was told, further action would be taken to recover the money. Simpson checked his Octopus account – it was in credit. Then he noticed the address where the debt had been accrued between 2022 and 2023. It was his childhood home – which his family had sold 18 years previously. "Since I was only 16 when we left the property, I was astonished that they'd linked my name [to it]," he says. "The debt collection agency insisted I provide a tenancy agreement to prove how long I've lived at my current address. I couldn't, since we bought our home. "They are now actively pursuing me for this debt, causing me a huge amount of stress. We are about to remortgage, and if this debt prevents us switching to a better deal, we will face real financial hardship." Simpson had been sucked into the shadowy world of "identity tracing", whereby investigators recruited by creditors seek to locate individuals who have moved home without paying their bills. It is an unregulated sector where anyone can set up as an agent in a back room without a licence, or scrutiny, and use fair means or foul to identify debtors. Reputable companies join a trade association that operates a code of practice, but membership is not mandatory, and mistakes are common. Last year, a teenage boy was chased for a debt of more than £900 by debt collectors acting for the energy company Ovo. A "trace agent" had somehow linked him to the debt because his parents had previously rented the property in question. An investigation by the Observer established that the debt had been run up by a subsequent tenant. The consequences of mistaken identity can be catastrophic. Individuals who are erroneously linked to a debt face, at worst, court action, bailiffs and a ruined credit rating. At best, they can endure weeks of stress and paperwork in order to prove they are not the debtor. It is estimated that 20m identity traces are made in the UK every year, many on behalf of companies that are owed money. Personal data is often obtained from credit reference agencies, which record applications for credit, and details are supposed to be verified with several different sources before being used for debt enforcement. In practice, however, this does not always happen. Simpson's details had been passed along a chain of intermediaries before the demand was issued. Octopus had given the unpaid account to a debt collection agent, which had contracted a tracing service, GBG, to find the debtor................ Full Article: https://www.theguardian.com/money/2023/oct/04/a-cry-for-help-energy-providers-play-the-villain-in-dramas-to-chill-the-blood ..............The Financial Ombudsman Service, which investigates complaints about financial firms, states that debt collection agents have to produce convincing evidence to link an individual to a debt, rather than rely on names, addresses and birth dates. According to the trade association, the Institute of Professional Investigators, an unknown number of investigators and trace agents are operating below the radar. Many more are merely inept, as data protection compliance training is not mandatory. "We have been campaigning for many, many years to try to get all private investigators regulated," says secretary general Glyn Evans.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Candy Washing Machine


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Hi,

 

We bought a washing machine at Comet via a charity Family Fund voucher in May 2012,

it went faulty 11 months after which The Warranty Group repaired

and have been doing every couple of months.

 

They've now said they are going to replace the washing machine for a new one (different make)

but they will not honor the remaining 3 years warranty,

it says nothing in the T&Cs.

 

Can they do this?

 

The payment of £169.00 was made for the extended warranty, which was a requirement of the Family Fund voucher.

 

Should the Warranty Group honor the remaining 3 years or part refund the Family Fund?

 

Ian

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so effectively you got stung for £169 when therewas no need to

under SOGA goods are covered for free.

 

if you've still got the documents that state you MUST take out that warranty

 

i'd be putting in a reclaim for the sum + interest @ 8%.

 

if the warranty group are supplying a new machine

 

then that to is covered free under SOGA, and they cant get out of it.

 

as they become its retailer

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for the reply.

 

It was a condition of the charity that provides the Family Fund voucher not Comet.

 

Family Fund issue a voucher (store card) for a washing machine which is £500

but must include a 5year warranty (eg. washing machine £299.00 + £169.00 warranty, you don't get the change)

 

Another condition of the Family Fund voucher is that you have a disabled child - I'm not blaming Comet for this :jaw:

 

Just a bit annoyed at the Warranty Group saying they're not going to honor the remaining 3years

(I know now about the SOGA so its shouldn't be a problem).

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have a word with that charity about this

 

don't like the idea they/you are being 'short changed'

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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If the charity has made it a condition of their help that you had to purchase the warranty - then there is nothing you can do about it - although DX is right - it is very unfair.

 

Now I understand that you are being supplied with a new machine under the warranty but the warranty supplier says that this is as far as their liability goes. Is that right?

 

That also seems very unfair but I suppose that you will have to look at the terms of the warranty to see if they covered for a three year period regardless of problems - or whether the warranty is event-based and that they provide for a single replacement machine.

Have a look and let us know.

 

Whatever, you must accept the new machine - it would be crazy not to - and if you already have certain rights, then accepting a new machine will not void those rights.

Of course the whole thing is unfair. You were covered by SOGA but of course Comet went out of business - no surprises there. They were shocking.

Even if the warranty is event based and you are no longer covered, you are still entitled to protection under SOGA and if the new machine is being provided by the warranty supplier - then they will carry the responsibility - whether they like it or not.

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