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    • Hi All Could really do with some advice whislt return from a stressful hospital visit to my mother i was caught speeding doing 46 in a 40 mph limit, i should have known better i knew the camera was there but visit was very stressful and i switched off, totally my fault the date of the speeding was 13/11/2023 so by the time i received the letter i accepted my indescetion and filled in all the required details on the 20/11/2023 having a clean license hoping  to the speed awareness course. With all still ongoing with my mothers ongoing illness i left it at that and waited on reply but i did not receive anything until 01/05/2024 when i received a return to sender letter with the NIP opened inside and ta sticker with a tick on refused, on 02/05/2024 i then received a Single notice procedure in the post for the speeding and failure to provide information i need to reply asap now because with everything going on i not sent back i have 21 days and can plead online but my question is what do i do /fill in on the form i have not had this before and it's very stressfull on top of everything else going on. i really do not feel as if i have done anything wrong (i have checked everything on form and the address and sent well within timescale) but now i face filling a form in of which i have no idea and do not now what to please either, i will have to fill in the online form soon or will pass deadline so any advice would be greatly appreciated
    • I guess I just have to wait and keep my fingers crossed then that the judge sees them for what they are and strikes it out!  It’s really unfair that these solicitors are allowed to miss deadlines and still get permission to proceed. Like I said, they did exactly the same trick on the set aside hearing! 
    • urban myth sadly. it is only written off on their books and as they say, a balance still, legally, does exist. you most probably didnt owe the whole balance anyway as unlawful penalty fees and the the interest they accrue typically inflate a debt to a much greater level. your saving grace here is this was to the original creditor and the fact you've had a default notice sometime vack? so regardless to whatever happens, the debt will vanish from your credit file on the DN's 6th B'day. though that doesnt mean a debt is still not owed and that it wont be sold on. just keep that letter from BC safe. dx  
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Unlawful Direct Debit?


KeefS
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Mmmm, interesting.

I looked at my bank account today and found the following direct debit had gone out.

 

Payee name HOMESERV UTD UTILS

Payee reference HSS 350683070

Amount £1.00

 

Strange seeing as I had never even heard of them.

 

I have cancelled the DD and contacted Homeserve and United Utilities via email (discovered after their phone lines had closed for the night).

 

How did these people get my account details?

Why did they take my money? (I know it's only £1, it's more about the principal)

Why did my bank pay it without my authorisation?

 

Any further advice on how to proceed would be greatly appreciated.

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Hi KeefS - thanks for starting your own thread.

 

Looks to me like an admin error by Homeserve or the bank.

 

I suggest you write to the bank and ask them to explain why this DD was made without your authorisation.

 

:)

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Homeserve is the company that does extra cover for house electrics, drainage etc. We have it and I feel sure that when I first took it out they give you a trial period discounted - hence the £1 - unless you cancel it they will keep taking it.

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  • 4 years later...

HomeServe fined £30 million for widespread failings

 

The Financial Conduct Authority (FCA) has issued its largest ever retail fine of £30,647,400 to HomeServe Membership Limited (HomeServe). The FCA found that HomeServe had serious, systemic and long running failings, extending across many key aspects of its business. In particular, during the period January 2005 to October 2011 it mis-sold insurance policies, failed to investigate complaints adequately, its Board was insufficiently engaged with compliance matters and its senior management were reluctant to address risks to customers if there was a cost implication involved....

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Hi Yasmin and welcome to CAG

 

You have resurrected a 4 year old thread so it may be that those who posted here before may not respond now.

 

If you have a current issue to discuss, please feel free to start your own new thread.

 

:-)

We could do with some help from you

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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