Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder IhateBG Novitiate



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    Default Interest on money taken when no service was supplied

    Hi,

    I am thinking of making a small claimsicon court case against British Gas.

    After paying them as a residential customer for nine years I tried to transfer my account to Scottish Power. Eventually it transpired that my flat was shipperless (there was no supplier) and British Gas therefore refunded me ~£7,000 they had charged me over the years. They refused to tell me how this amount was calculated saying that the information was archived.

    I think they should pay me interest on the money they have refunded which would come to nearly £1000. Do you think the court would entertain this? I went to the Energy Ombudsmen and they agreed with British Gas that as I had got free gas for nine years no interest was payable.

    In my opinion this is a separate matter, another unknown gas company was supplying me and were too useless to charge me and have now lost the right to do so. Lucky me! That doesn’t make it OK for British Gas to take my money for a service they did not supply without compensation for inflation over the years. BG took my money they had no right to and would have earned interest while it was sitting in their bank account.

    Any thoughts?

    Thanks
    M


  2. #2
    Royalties Account Holder citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB's Avatar



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    Default Re: Interest on money taken when no service was supplied

    Are you able to look at your bank statements to see how much your Direct Debits were to ensure you have been refunded the full amount?


    I am not sure about interest though - whilst you are correct - they would have earned interest on the money you have parted with - however, you have had free gas for that period of time.


    It will be interesting to see what other caggers think

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  3. #3
    Royalties Account Holder citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB's Avatar



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    Default Re: Interest on money taken when no service was supplied

    Have you considered sending a Subject access requesticon to British Gas? They would then have to get any statements out of their archives to comply !
    It will cost you £10.00 and they have 40 calendar days in which to comply.

    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)

    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library
    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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