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we have known for a very very long time that 9/10 the OC never knows IRRWW are chasing debtors nor in some cases even taking money from them that the OC never ever see!! IDRWW pockets it - free money - lets all go on a staff holiday. there was an article some years back whereby that quoted some +£4M debtors had paid to IDRWW on UAE debts that when contacted the originating banks knew nothing about....😎
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let the ombudsman do their job. you'll win handsdown you dont obv owe OVO p'haps anything at all. dont worry about Past Due credit or any other DCA ( THEY ARE NOT BAILIFFS!) as for you being added to the debt, thats quite OK, you were a resident adult and equally liable under law. once you start getting things moving via the ombudsman dont forget to get your credit files cleansed of any negative data & seek compensation for distress etc, again the ombudsman should sort both out for you. as you are now NOT a customer of OVO, there is very very little they can do to you now.
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A question - did you use the supermarket or the restaurant? I see the restrictions are different. Sign.pdf
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DN is ok DCA NOA is ok, though not one from Newday saying they've sold it. agreement states esigned on a sunday at 11am?? really?? but no typed names or tick box nor any IP address used. if the date is correct then poss ok, it that your correct address for that time of take out? but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs. the agreement details separate T&C's in at least 8.4. a full set of T&C containing your correct address for the time MUST be included. failure renders the agreement unenforceable... have you the T&C's too? dx
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Npower and Scottish Power and others have always had regulations that require them to treat customers fairly - the threads here and my experiences demonstrate that those regs are little more than useless. Even Octopus recently spent month after month saying they needed to increase my monthly payments despite my credit balance slowly going up TWICE I had to reset it online back to prior payment as they unilaterally increased it unilaterally. Raised formal complaint and they than said i was paying too much and reduced the payment, again without my agreement, although that time at least they told me they were doing it. .. and Octopus has been one of the better ones.
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