consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Utilities - Gas, Electricity, Water


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 30th July 2008, 17:41   #1 (permalink)
Gregg500
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2008
Posts: 26
Gregg500 Novitiate
Default Cut off

I've had a few probs over the last 12 months (understatment) well, one of the things that got dropped down the list was gas bill.

It got to about £700 but i paid £300 thinking/hoping I'd get a bit of breathing space.

Bottom line, got home one day about a month ago and....no gas. Clearly, there has been a court hearing that passed me by.

Anyway, i have been putting a brave face and dealing with it. Told everyone, inc kids at weekend that boiler is broken. The letter stated i would need to pay about £1k to get back on which is just not feesible at moment.

Does anyone know if i could get a card meter at this stage or are they liable to play hardball.

Any advice apprecieted
Gregg500 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 31st July 2008, 00:20   #2 (permalink)
blue4ever
Gold Account Customer
 
blue4ever's Avatar
Default Re: Cut off

bump
blue4ever is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 31st July 2008, 01:13   #3 (permalink)
robinalexander
Basic Account Customer
 
robinalexander's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jul 2008
Posts: 89
robinalexander Novitiate
Default Re: Cut off

Easiest thing to do is just phone them and ask if you can have a Prepayment meter installed. If they do, they'll probably just add the debt to that and recover £x per week.
robinalexander is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 31st July 2008, 19:30   #4 (permalink)
Dollydoo
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2007
Posts: 87
Dollydoo Novitiate
Default Re: Cut off

I'm no expert & this is only my opinion, I would contact energywatch immediately, surely they shouldn't cut you off if you have kids
Dollydoo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 31st July 2008, 19:33   #5 (permalink)
Dollydoo
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2007
Posts: 87
Dollydoo Novitiate
Default Re: Cut off

energywatch: Home Page
Dollydoo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 31st July 2008, 21:43   #6 (permalink)
noggsy
Basic Account Customer
Default Re: Cut off

Hey Gregg,
talk to the supplier immediately, as once they are aware there are kids in the house they should put a PPM in. They do have the right to disconnect Gas supplies until October - during the Winter months they are not allowed to for obvious reasons. Yes, there should have been a Court Hearing to allow you to respond, which you should have been notified about. The rules between Gas and Electric are slightly different, as with Electric if there is an outside meter they will just fit a PPM. With Gas, as the Warrant of Entry only covers accessing the meter, if the meter is outside and no-one is at home they cannot install a PPM without "purging" the supply i.e. checking the appliances are working correctly inside the house - which the Warrant does not cover, hence the decision is normally made to disconnect.
noggsy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 1st August 2008, 10:30   #7 (permalink)
ATD
Basic Account Customer
 
ATD's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 93
ATD Novitiate
Default Re: Cut off

Quote:
Originally Posted by Dollydoo View Post
I'm no expert & this is only my opinion, I would contact energywatch immediately, surely they shouldn't cut you off if you have kids
I'm not saying that it's the right way to do things, but they are still allowed to cut you off even if you have children

Quote:
Originally Posted by noggsy View Post
Hey Gregg,
talk to the supplier immediately, as once they are aware there are kids in the house they should put a PPM in. They do have the right to disconnect Gas supplies until October - during the Winter months they are not allowed to for obvious reasons.
Unfortunately the Winter Moratorium only applies under certain conditions:
  • From 1st October to 31st March if everyone in the home is of pensionable age.
  • From 1st October to 31st March if someone in the home is chronically sick or has a disability


As advised above, you really need to contact the supplier to find out why they have actually disconnected as opposed to fitting an ETM, which is standard practise.
ATD is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th August 2008, 21:54   #8 (permalink)
emmaf01
Platinum Account Customer
Default Re: Cut off

Gregg500, did you not receive any information from them at all?

It's just a bit unusual- and believe me I've been there.

A PPM can be avoided, depending on your situation.
emmaf01 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
BT phone cut off summer30 Broadband and other Internet issues 14 29th April 2008 00:02
BT Debt - now cut off! need some help please rl123 Telecoms - mobile or fixed 3 16th July 2007 16:16
Should I cut my losses? jujayhan Welcome to the Consumer Forums 6 26th August 2006 12:18
Why not just cut to the chase? kevin bennett Lloyds Bank 2 12th March 2006 15:11




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.