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    • Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

A&L come to Daddy! **SETTLED IN FULL**


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Hi All,

 

I've been lurking on this site for a while now picking up the "tricks of the trade". I finally lost my rag with A&L when they charged me £34.00 for a failed standing order for £10.00, and then proceeded to charge me for an unauthorised overdraft. Luckily i have another account so i have refused to pay anything in to A&L. The charges just keep amassing and i am looking forawrd to recieving a cheque from A&L in the near future.

 

I phoned to complain and was treated like i had the itellect of a goat...."well its you fault", "manage your account better", that sort of thing. When i asked the pleb on the end of the phone to justify how they could charge £34.00 for a failed £10.00 standing order, she could only say that it was the terms and conditions of the account and could offer no explaination at all.

 

So while i have been lurking i have sent my approach for repayment letter and charges summary (currently standing at £371.38 and rising). I have recieved the standard reply letters from A&L, as others have described.

Today i have sent my LBA.

 

I must admit i am now feeling a bit nervous about the whole situation - but i can't wait to reslove this. I am fed up of large companies taking advantage of their customers.

 

Just a few questions:

 

How long does it take for A&L to pay up once i have completed the moneyclaim form? (I have registered online, but need to do a bit more reading before i complete it)

 

Should i prepare my claim before the 14 days are up, or should i complete it on day 15?

 

Has A&L ever gone to court? i don't think they have, but the thought still makes me a bit twitchy (although i am more than prepared to stand and fight my case).

 

Is there anything i should do that i have forgotten?

 

I hope all this makes sense, and i am sure i've asked some silly questions. Just looking for a bit of reassurance i think.

Thanks for all of the advise that i have been quietly looking through over the past month. This is a brilliant forum.

 

Will keep you all posted on any developments.

 

Cheers,

 

Mike

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I would wait until day 15 so that you are being reasonable and giving them the full time that you have given them. A&L have never gone to court, and their spokeswoman stated on the radio (Moneybox on BBC Radio 4) that they would never go to court, although they would not admit they were in the wrong. She also said that anyone claiming would have their account closed, so have a parachute account ready. You will find a thread somewhere about the radio programme and there is also something on BBC website.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Luckily i have another account so i have refused to pay anything in to A&L.

 

Am slightly concerned about this aspect dude, are you leaving yourself open to them defaulting you?

Maybe I'm being a worry-wort and other posters will shoot me down in flames over this one, but I'd rather that happened to me than you be in trouble regards your credit history. O.K. if they defaulted, you could fight it, but that takes a whole load of extra time and effort.

Anyway, best of luck with the claim dude. :cool:

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That's a good point. To be honest my credit history isn't exactly spotless, however i don't want to make it any worse. I think i might pay in a little bit of money to show willing.

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  • 3 weeks later...

Ok. Recieved a "Notice of Acknowledgement" from the court. On it it says that A&L "intend to defend all of this claim".

Now i am sure that i have read somewhere previously, that this is standard proceedure. Can anyone advise?

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Well done and congratulations. I am really pleased for you. I will change your thread title to spread the news.:p

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Wow! Thats exactly one week from when you filed your moneyclaim. Is this a record?!? I filed mine on the 27th and still no cheque just a letter from their solicitor telling me that the have acknowledged the claim. I shall be waiting eagerly for the postman in the morning though! Congratulations.

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I must admit that i was a bit shocked how quickly they paid up. So pleased i have done it now. Best of luck with your claim Lesley. Hopefully it won't be to long before the postman brings you something nice to brighten up your day.

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CONGRATULATIONS!!

Im 4 days away from filing my money claim and your news is really encouraging.

Any tips on how best to complete the claim?? I ve read others on site but the more the merrier!!

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Hi wombat. The best thing to do is follow the instructions on this site. Stick to your deadlines and don't accept anything other than payment in full. That would be my advise. If you are unsure about anything, or just after a bit of support, ask and people will help.

That's all i have done, and now i am waiting for the cheque to clear!!

Best of luck with your claim. It shouldn't be long until you have a cheque in your hands now. Let us know how you get on.

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Congratulations on getting your money.

 

I sent my second letter today claiming £888. Fingers crossed I get my cheque.

 

Carol

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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Well done you !

 

I have just had an interesting conversation with them re: my account, they have charged me over £1000 in one year, what a joke!

 

I sent my prelim last week and now counting down to when I can send moneyclaim! Congrats to you!

 

heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Wow £1000 in one year! They must love you. It's just a matter of time before you have that back. What a nice feeling. Good luck, and stick to your gun's. Keep us posted on your progress.

I have just sent another prelim letter for some further charges since my last claim. I phoned them and asked for them back -the easy way. But no, they wanted to go the hard way. Not long now and i will be filling another moneyclaim, then taking the money from them and closing my account. I can't believe i haven't done all this sooner!

Anyway, best of luck

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