Offer to pay debt balance

[dori2o]

Originally Posted by StoneLaughter

Remind them that the account is IN DISPUTE and that THEY MAY NOT TAKE ENFORCEMENT ACTION (including but not limited to referral to a DCA).

Make a payment of £15. Do so again next month. Don't do it in a way which requires you to contact them, use the paying in slip on your bill, or pay at a post office or whatever. Have you made a £15 payment yet, as advised above? Why not? As long as you are paying, and you have disputed the account formally as I said above, they cannot do any more.

If a DCA write to you, reply very firmly that you have no contract with them, that you will not enter into any further correspondence with them, and that you are dealing with Powergen. All the time, keep making those payments to powergen, and DO NOT under any circumstances pay any DCA.

Regarding CRA's, write to them that this account is in dispute and that they are not under any circumstances to register a default - explain that you are making regular payments and that the balance is reducing.

Would the end of this month be too late to start making the payments. I would have made payment when I got paid at the end of December, but I had other things to pay off, i.e. Xmas.

Or

Would you advise to try and pay something before then.

I have the bank account and sort code details as I was paying them by standing order, so I'll just re-set this again to pay £15 on the 1st of every month.

[Movingon]

The longer you leave it the worse it will be. If you can, make a payment; and then set up your standing order for the first of each month.

[SHERLOCK]

It would be ideal for you to pay as advised a set amount to the powergen account, bypassing the DCA.

When I changed I had a balance of around £90.00 and I pay them £1.00 per month .

The other option is to get it back with powergen and get one of those card meters fitted and agree a set amount to come off the card every week. (If you stay with BG, they cannot do this obviously, but the gas/electric can get a court order to have the token meters fitted as a way of guaranteeing getting their money.)


SHERLOCK

[dori2o]

Logged onto my online powergen account tonight,(initially trying to work out annual gas/elec consumption for price comparison), and Powergen have amended all bills from Jan 2003 and reduced the outstanding amount by £300.

This is the last letter I sent to them on 15/01. The newest statement on my account is dated 19/01.

I have received your letter dated 8 january and express my dissapointment of the fact that you have failed to help resolve this matter.

As this account remains in dispute, I am advising you that I will not be majking any payments until such a time that this matter is resolved. must also make you fully aware tat you must refrain from any further action until this dispute is resolved.

In your latest letter, you advise that I am solely responsible for the balance of the account. However your statements, at the time, included a comment which suggested that the payments that I was aking, the same amount that had been paid monthly since November 2002, of £60 were sufficient, and therefore did not need to change anything. Due to this I feel that you are at east partly liable for a proportion of the current balance.

I base this on the fact that you are responsible for the content and information held on the statement, and as is the case that your statements advised that I was paying monthly payments via DD and that I needed to do nothing to change this situation, then i would accept this advice as it had been issued by you, who is in control of the account.

Also on this particular matter, lets not forget that the payment arrangement of £60 per month was inplace from the start of the agreement in November 2002, untilMarch 205, when you wrote to me advising you were increasing th direct debit to over £150 per month. This is a period of 24 moths before you decided to take action.

My second point is that this current situation would not have arisen had you not approved the transfer to British Gas.

I had an agreement with you t pay of th balance by paying a higher monthl amunt, in excess of my monthly useage, and I had succeded in reducing this balance which was just over £1000 in March 2005 down to £433 that is currently outstanding. This would have continued however I have been erroneously ransferred to British gas.

I say erroneousy transferred as I contacted you in Sept/ct 2006 to advise that I did not want to be transferred, I had been forced into signing the documents by the saesman as it was the only way to get him off my doorstep. i contacted British Gas also, who informed me the transfer would not be allowed by you if I had not settled the account. This was also the same advice I gt from your customer service rep, when I said I did not want to transfer.

The next correspondance I received was from yourselves, advising that yu did not want to lose me as a valued customer, so I caled the number on the letter and advised that i did not want to transfer, again I explained that it was due to te fact I could not afford to pay the balance, and was told not to worry, and that I wuld not be transferred. Nex thing I know, British Gas contact me to confirm that the transfer is complete.

You allowed the transfer despite my objections, and your promises, therefore causing the problem I find myself in, just as you contributed to the origional problem. However, from your reply to my origional letter, I assume you again will deny all iability to what has happened.

I take this oportunity to advise again that I will not be making any payments until this dispute is settled. And once a resolution has been met I will be able to make monthly contributions to you of a maximum of £15 per month.

Please note that I will only correspond with you (Powergen) and I refuse to deal with any other organisation regarding this matter. All correspondence must be made in writing, I will not be contacted by telephone, or by visiting my property. Any attempt to do so will be met with legal action.

I expect to hear from you again with a more acceptable reply.

Yours,