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    • Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and thank you for concluding your topic, title updated.   Andy   .
    • So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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AlphaGeeK Vs MBNA **WON**


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I have sent this to Carter and Arrow via email ([email protected] and Cc'd to [email protected], [email protected])

 

Friday, 18 July 2008

Claim Number: x

 

I am in receipt of a County Court claim form you have recently issued on behalf of Arrow Global LLC. The agreement number you quote in the Particulars of Claim is from an MBNA Credit Card account.

 

This account was subject to a reclamation of unlawfully levied charges claim by myself recently which MBNA settled in full before Court. They also paid me further compensation for passing the account to Arrow Global LLC when they had no lawful right to do so. MBNA also bought back the account from Arrow Global LLC.

 

Section 35 of the County Courts Act 1984 makes it unlawful to split one cause of action in to two separate cases as you are attempting to do. This is a clear abuse of process and I will shortly be filing a complaint against you with the Solicitors Regulation Authority in Redditch.

 

You have seven days to withdraw this claim and confirm in writing that you have done so.

 

If you do not withdraw this claim within seven days, I will file a Counterclaim against your client for compensation for harassment and damages caused to my credit worthiness due to breaches of the Data Protection Act [1988]. Once a Counterclaim is filed, it will be seen through to its conclusion.

 

Yours sincerely,

 

Alphageek

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Oh, I would so love to be a fly on the wall when they receive that :D

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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

1: How can BCOBS protect you from your Banks unfair treatment

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:D

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I just used MCOL to file an AOS just in case they think I don't know what I am doing :)

 

 

:-D

Have we helped you ...?         Please Donate button to the Consumer Action Group

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

1: How can BCOBS protect you from your Banks unfair treatment

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:D

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Well, would you believe it.

 

I received a Notice of Discontinuance this afternoon. It was dated the 18th so their email computer was working last week.

 

I'll check with MCOL in a day or so to make sure they forwarded a copy to the Court.

 

I didn't even have time to report them to the SRA. Very disappointing that I didn't get chance to file a Counterclaim against them.

 

Someone tell me they have lost the fee they paid to issue this claim and I'll be happy.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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  • 4 months later...
On to the 9th Oct 2007;

 

Another nasty pink slip (some of the Americans who run this bank should be getting their pink slip soon!)

 

This one has got to be illegal on the grounds of intimidation?

 

Page 1

 

Page 2

 

Has any legal eagle seen these pink slips and commented on them? They look like clear breaches of The Administration of Justice Act. Then again, financial institutions seem to get away with flouting the law.

 

Just look at these muppets that were featured on Panorama: [commercial link removed - sorry fbr, the link is against site rules]

 

The FAQ in particular is a clear breach of AoJA IMHO.

Edited by steven4064

I wonder if MBNA are the new Enron :roll:

 

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  • 2 weeks later...

Sorry to jump in but ive been following this. Ive got a dispute with mbna too and now Essex Trading sandards are saying that if mbna take me to court, the court could find in their favour even though mbna cannot supply a cca. Something to do with an "established debt" ??? Whats going on ??

Ioio, no work for me to go, I got the sack, cos the economy`s slack Ioio !!:-x

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Hello I-07!

 

Ive got a dispute with mbna too and now Essex Trading sandards are saying that if mbna take me to court, the court could find in their favour even though mbna cannot supply a cca. Something to do with an "established debt" ??? Whats going on ??

 

Trading Standards have a habit of talking straight out of their backsides, and this is another classic example.

 

Complain, and ask them to elevate the issue to someone who actually understands Consumer Law.

 

Cheers,

BRW

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Thanks BRW. I wouldnt mind but they have been solidly behind me until today. I have worked with 6 companys to whom I owe debts and have either worked out a plan or had them wipe the debt. The only 2 who want to play hard ball are mbna and intrum justitia. Both cannot supply cca `s and Intrum say they are collecting on behalf of someone called SV35AG but they cant give me any details about them and Im damned if ive ever heard of them.

 

Do I take it then that its no cca - no court action ?? sorry to be thick but me and the wife aready on medication and this has hit us for six !!

Edited by Ioio21/07

Ioio, no work for me to go, I got the sack, cos the economy`s slack Ioio !!:-x

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Hello I-07!

 

Do I take it then that its no cca - no court action ?? sorry to be thick but me and the wife aready on medication and this has hit us for six !!

 

I think it would be wise to start your own Thread in the MBNA Forum, outline where you are, and then people can give you specific advice to help you fight those unpleasant people at Chester Towers.

 

Here's the link to the CAG MBNA Forum:

 

MBNA

 

Cheers,

BRW

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  • 4 months later...

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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  • 2 months later...

hya alpha, subbed too, i can see that you have won and that court proceedings were commenced but can seem to find how you won? i had a letter from mbna last week with someone elses cca on it and blanked out, as they couldnt send me mine they sent me someone elses to see what IT SHOULD LOOK LIKE? Now that is odd surely if they had mine they would send it...

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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hya alpha, subbed too, i can see that you have won and that court proceedings were commenced but can seem to find how you won? i had a letter from mbna last week with someone elses cca on it and blanked out, as they couldnt send me mine they sent me someone elses to see what IT SHOULD LOOK LIKE? Now that is odd surely if they had mine they would send it...

Hi Muffintop!

How odd! What a strange thing for MBNA to do!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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