Hi all! Thanks for your reply Andy. Not sure why my Google searches didn't find that page. I have spent the last 6 days making 6 hours of phone calls to the British Gas helpline. I never managed to get though until waiting for over an hour. 4 phone calls later they have refused to replace my token meter insisting that my credit score is not good enough. It's 562, which i agree is not brilliant, but it's only a bit below the UK average. They refused to acknowledge what is clearly stated on the Citizen's Advice website namely: They keep saying that it's against their policy. I even raised an official complaint and was still refused. I finished paying my debt to British Gas over 5 years ago. I am prepared/happy to change supplier but not sure if this is possible when I have a token meter installed. Can anyone suggest what to do next? Thanks

I have been on a gas token meter with British Gas for at least 6 years now. My financial position has improved along with my credit rating. Although it's still not amazing it's now slightly below average. The other day I rand British Gas with a view to getting the token meter replaced with a normal monthly DD meter. But, they did a credit check, and refused. Can anyone suggest the best method to get rid of this token meter and hopefully take advantage of the low gas price offers available at the moment? Thanks

oh! that's interesting. So, if I am reading that right. The property agent has no responsibility for removing the tree?

No. there was no real damage done. It's a big tree and is filling about 1/3 of my garden so I can't use my washing line... but that's all.

Hello, I hope I have got the right forum for this question 6 days ago, in strong winds, a conifer tree from my neighbours garden fell into my garden. I immediately brought it to the attention of my neighbour and she said that she would notify the rental agent. As she is renting the property. I spoke to her this morning and she says that although they had promised on numerous occasions that they had spoken to someone to come and remove it, nothing has happened. If I had to take action, as is more than likely, as I know the property agent is extremely unreliable, who do I take action against? What would be your advice. I guess that I should just keep reminding the tenant? Any help would be greatly appreciated!

More good news.... Had a letter from Lowell Financial Limited this morning... "Your account has been returned to us from out litigation partner. Having reviewed all the circumstances, we have decided, without any admission of Liability, to close your account." and this is the important bit to me.... "If the account is being reported at the credit reference agencies we will arrange for this information to be removed from your credit file. Please note that the credit file update may take up to 50 days." Brilliant news!

I guess I just don't understand the disconnect between them being able to on my credit file they consider I owe them money and the fact they are not willing to prove it in front of a judge. Many thanks for your help guys. I follow CAG on twitter and read pretty much every thread and I see how many people you have helped. You do an amazing "job" Respect!

I know I have asked this before... But I am still not sure I understand... Lowell have put a default on my credit file regarding this claim/money... But have decided they are unable/unwilling to defend their position in court... How are they allowed to put a default on if they cannot/won't prove it?

I have been paying £5 a month via Paypal for a couple of years now

Hi All, Sorry for late reply. I cannot find the document I wrote and submitted as my defence! But, it was as shown in my message 28 above... with a few tweaks Very naughty of me... guess what just dropped through my letterbox?? A letter from BW Legal with a Notice Of Discontinuance! - Discontinuing all of this claim. It appears they don't want to go to the trouble of fighting these claims...! Good luck to anyone else in my predicament. And thanks for your help once again!

I decided to try my rather weak defence. On the 10/1/2017 I received a notification from HM Courts & Tribunal Services saying they acknowledged my defence and that the claimant had 28 days to contact the court. I have heard nothing from either the claimant or the court. The letter says.... "After that period has elapsed, the claim will be stayed. The only action the claimant can then take will be to apply to a judge for an order lifting this stay". So it looks like they have decided not to defend... I think this is good news...?

Ok - option B. If I just ring up the court and pay the order - will it stop it showing as a CCJ?

Ok - this is how it looks? Particulars of Claim 1.The Claimant's Claim is for the Sum of £XXX.XX being monies due from the Defendant to the Claimant under a Telecommunications agreement regulated by the consumer credit Act 1974 between the Defendant and BT Plc under the account reference XXXXX 2.And assigned to the claimant on 24/03/2016 notice of which has been given to the Defendant. 3.The Defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with. The claim also includes statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8.00% per annum ( a daily rate of £0.04 from the date of assignment of the agreement to 07/12/2016 being an amount of £10.36 1. Paragraph 1 is denied with regards to the defendant entering into an agreement referred to in the Particulars of Claim (‘the Agreement’) the Claimant has yet to disclose any such agreement. 2. Paragraph 1 is denied with regards to the Defendant owing any monies to the Claimant the claimant has failed to provide any evidence of assignment/balance/breach as requested by CPR 31. 14 and the Claimant is put to strict proof to: (a) show how the Claimant has entered into an agreement with the Claimant; and (b) show how the Claimant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim; 3. As per Civil Procedureicon Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 4. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer crediticon Act 1974. 5. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Hi DX... I have looked at your example and it looks spot on to me... I cannot see anything to change. I will submit the defence no on MCOL. Many thanks for your help.

ignore the above please... something is going wrong with my posts