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rennai

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  1. I didn't even owe any Scottish Power debt. Scottish Power said debt was electric bill from 2013 to 2022. I wasn't living in that flat at period they said. Scottish Power put default on my CF for debt I didn't owe. I want to sue them for harassment and compensation
  2. About Feb 2023 I receive letter out of blue from Scottish Power that I owe £4,900 unpaid bill for a flat I once lived in Scotland. Now I live in England, whilst I lived in Scotland; for about 5 months in 2004, I shared the flat that SP alleged I owe electric bills and we never owed electric bill, as far as I know. I asked SP to prove the debt with documents as evidence, they didn't instead they're asking me to prove it with tenancy agreement that I wasn't the one owing. Please who should be the one to prove alleged debt? I did SAR, they responded by asking me to log in to account on their website to download the documents. I obviously could not because I never created an account with them. They don't believe me. They passed me details around to debt collection agents, so far they've engaged 3 DCAs. Each DCA sent threatening letters and emails, etc.. so much harassments for debt I didn't owe. I replied by requesting for proofs; the first 2 returned it to SP remaining LCS, the current threatening DCA. I complained through resolver still no proof. I contacted CAB, they checked and said SP wasn't the energy supplier whilst I was living in said flat. CAB adviser transferred me to speak with SP through her referral contact, upon answering the SP staff I spoke with said it was debt from 2013 to 2022 (they refused saying the exact date) I had maintained that I last lived there in 2004. In one of emails to me they lied that debt was from 2004 just to link me into it. I said to the staff based on the period of consumption I was certainly not the customer owing your company. The staff said he will investigate further. Strange. I simply check on my credit file should prove to SP where I lived from 2013 till 2022. SP also damaged my credit record with a default for this debt I am 100% certain that I never owed. Terrible energy company, I want to sue them for harassment, stress and for maliciously damaging my credit record preventing from getting credit facilities or at least a good credit facility. It is for SP to do due diligence before taking on new customer. If they did, they would know true identify of her potential customer. I shouldn't be made to suffer for their mistake or incompetence. I contacted FOS when they damaged my credit record, they said I should contact Energy Ombudsman; is there any point given that SP was never my supplier? Will court action address this because SP should pay compensation for this, as they are still refusing to remove default from my credit record. Please, any advise would be appreciated. Sorry for long explanation.
  3. it was Advantis but now passed on to ORBiT I owe and willing to set up payment plan they said no go to DCA I dispute the bill because it's based on accurate reading and it's very high.
  4. ORBiT is debt agent used by United Utilities orbitservices.co.uk I'm most concerned about the impact on my Credit Score. Is it a good idea to deal with DCA instead of original creditor?
  5. it's water bill not gas gas safety doesnt apply rang UU today offered to set up payment plan they said no, speak to Orbit. So that they'll be reporting to CRA as I
  6. that's the point bill is too high, they said it's correct that I may have a leak which its LL to fix not them. what do think about attachment: data UU shared with CRA? Doc Jan 15 2022 (1).pdf
  7. yes I did I ring UU again to see if they'll accept £70/month. They're damaging my credit score withs default note! I'll ask LL via the agent about meter, would prefer monthly bill so that I can keep an eye on the readings
  8. It says our client United utils. last letter dated 7/dec/21 said if no response they return debt to UU, but Advantis still send me emails till date And they are still your provider? yes tell us more about the debt: behind due to lack of job covid 19 as self employed....covers march 2020 to October 2021...now £2,544 and were you ever sent bills at the time? yes but not all bills. Or is this for added sums as you might not have 'then' paid enough? yes, it seems estimated bils, I don't know where meter is located. UU register default on 14/08/21 but default notice warning letter was dated sept 2021, they messed up my credit file by regular update of said amount owning. UU accept bill too high but said i check for leaks with my landlord . Doc Jan 15 2022.pdf
  9. UU registered default and passed on debt to Advantis. I offered to start paying what I could afford they said no it's has to be £150 min per month. Later they said speak to DCA they may accept lower repayment offer. If I start to deal with DCA what about future or ongoing bills? Please guys help with advise. Thanks
  10. Body work isn't too bad and mileage was 128,000 miles and I thought it's okay for diesel car of that age, and it's a 7 seater which I desperately needed. On gumtree the seller has a bit of history in selling cars. I might contact Gumtree but I'm unsure if they can give me more details about this trader given that dvla refused to provide further details but only said car was transferred to a trader, and then dvla guy said I can fill and submit particular form (V88 I think) if need further details. I checked mot history of car and all seems ok no note of previous engine fault, and on physical inspection no oil leak, etc. When I'm buying used am more particular about engine problem as i don't mind fixing other stuff. WhatsApp message from trader to me: "SK14 1QQ Burkitt Street Hyde pls let me know what time you'll be coming" I just got this address from Bowden Cars website: John Street, Hyde SK14 2HB So it's different, I sincerely thought said trader was a small scale car dealer who uses gumtree to sale cars, I didn't know he was dodgy. On the slip he filled in Bowden Cars Ltd but, on Bowden's website the seems to be alot of cars on display
  11. 26 Dec 2019 bought 2005 toyota corolla verso for £1600 from trader on gumtree. Two days after car broke down, smokes coming out exhaust, Oil change & EML came on. Since then I've had 6 breakdowns and AA reports said DPF, EGR Valve problems. Car can't go into regeneration. Rang trader on mobile posted on ad Gumtree (Bowden Cars Ltd based in Dukinfield) but no response, google bowden cars found the website and rang landline they said it wasn't them that someone must have used their business name without permission, I rang them back after couple of days saying I raise a court claim against them they then said it seems I dealt with a guy from Bangladesh who they have had complain in the past that he uses their company name to sell cars, I asked why is the guy not answering they said that the guy traveled to Bangladesh, They refused to provide further details of where he lives, etc I have spent over £350 on diagnostics from Toyota dealer, full service, fixing brakes, wheel alignment, but the car is still misfiring, sluggish to drive and too much smokes still coming out of exhaust. I saved screenshot of ad on gumtree where on trader described car as excellent condition. We exchange text msg via whatsapp so that's saved. However it is strange that when I test drive said car no smoke from exhaust, except scratches and dents due to age and spongy brakes and loose handbrakes which I don't mind fixing. I have receipt and small green slip (new keeper's), and transfer to trader was done online via dvla and I have got V5C. I don't know if I can raise a claim against company name, as I don't know the guys name and transaction wasn't done in a garage. He said he buys and sell cars via gumtree. Any help will be appreciated please.
  12. letting agency said obviously, for credit score, etc checks, right to rent check, previous proof of rent payment, etc
  13. Hi All I'd appreciate any advice on this please. I collected keys for rented house on 15 Nov 2019 and moved in on 18 Nov 2019. However the landlord accepted my application for rent on 8/11/19 but I had to wait for checks by tenant Data UK which was completed on 15/11/2019. The problem is that the housing agent told Council I started renting house on 8th Nov 2019 and Council issued me CT bill starting from 8th Nov 2019. I contacted Council to amend bill but they said no that if I don't pay I'll receive a summon soon. I pay rent every 15th monthly. Please guys is Council Tax Bill calculated from the date one moved into the property or not? Or at least from when tenant collected the keys?? Thank you.
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