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    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
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Legislate against banks defaulting disputed accounts


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Please sign this petition to strengthen the law and prevent banks from defaulting disputed accounts. http://www.gopetition.com/petition/43459.html

 

 

The story so far:

HFC Bank process a credit agreement in 1998 for a PC World sale that didn't exist and ask me for payments that I don't owe.

 

In 1999 HFC default me despite me asking them not to and explaining clearly that they're at fault.

 

HFC refuse to remove the default which subsequently prevents me from buying a house .

 

In 2004 I have no choice but to turn to the courts to "force" HFC to remove the default.

 

By 2006 the default expires naturally, but the legal action is still going on and the house price has doubled! The credit I can now get goes directly to the lawyers.

 

In 2008 the lower court agrees that HFC owe me reparation yet only awarded 40% of what is required.

 

See the judgement here:

http://www.scotcourts.gov.uk/opinions/A187_04.html

 

The judgement is appealed by both sides and eventually heard in 2010, by which time the recession has forced me into a job paying half and I am no longer able to service the debt on £200K of legal fees so far. Defaults issued. Appeal court rules that HFC were entitled to default me!

 

See the appeal judgement here:

 

http://www.scotcourts.gov.uk/opinions/2010CSIH49.html

 

Luckily, through Law Works Charity and the Free Legal Srvices Unit an appeal to the UK Supreme Court is being prepared with "significant" prospects of success. The difference will be that the UK Supreme Court does consider the facts and the evidence and will rule in the interest of justice.

 

My local MP, upon reading the opinion of counsel, finally accepts that the legislation needs stregthening. He undertakes to persuade the government to do so, but he is one man and not the fastest operator. This petition may help move things along quicker.

 

HFC still don't accept responsibilty for their actions. Mervyn King says that banks have lost their morals. Well, I'm living proof that these were lost at least 13 years ago!

 

I'm in an action to the UK Supreme Court, the first of it's kind that will set up case law for others to follow if necessary.

 

 

Please sign this petition to strengthen the law and prevent banks from defaulting disputed accounts.

 

 

 

http://www.gopetition.com/petition/43459.html

Edited by citizenB
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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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http://www.guardian.co.uk/money/2011/mar/12/pc-world-laptop-paul-durkin?commentpage=last

 

xx

The PC World laptop with the £250,000 price tag

 

PC World customer Paul Durkin has been battling for 13 years over a hotly disputed credit agreement

 

Read more....

 

 

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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