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    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and concluding your topic, title updated.   Andy   .
    • So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  
    • Even on their map on their website, these parking rules encompass the whole pleasure park - there is no dedicated area for permits and another for free parking as stated. royal leisure park praking area map.pdf
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Provident loans help


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Hi I.m new here and need help .

 

 

Over the yrs me and the wife have had provident loans

we have defaulted 3 times on them for thousands over the yrs.

They still lent to us mind.

Over last few yrs we have never missed a payment but got our self in debt with them.

 

To the point we paying £200 a wk in repayments over long term.

We kept renewing loans for more to keep money in our pockets it would last us a fee wks until next renewal to the point that we are at the limit.

 

We did pay it off once to lower payments and renewed straight away then to get more money back but this is how we got to the limit .

We paid off with our Christmas no ey borrowed 2 wks later to get our money back but borrowed even more .

 

My wife as aspergers and she hates not paying it especially as we know the agent as live locally.

We on benefits which as been stopped at moment due to change over from was to income support not had money for nearly 3wks andooking at another fee wks before it's sorted.

 

We missed last wks payment they been fine with it and going to try and help but can't afford to pay it back at all.

My son and daughter been helping is out for so long even my son's boss giving is money to lend .

 

CAB just told us to contact them to make arrangement to lower payment but we been told it looks like we been irresponsible lending and between defaults and constantly renewing for more shows we couldn't really afford them they never looked at our money coming in and cause we needed the money for Christmas we lied what we had coming in I know it's wrong but was desperate.

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Ive added spacing to your post...

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def irresponsible lending

 

 

get that complaint running.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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read the pdf in post 2?.........

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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read the pdf in post 2?.........

 

Update I emailed the directors yesterday evening

I sent it to every one listed as the ceo

 

 

got returned out of all the names on the ceo webpage.

Only 1 allowed it .

 

 

I then had a look on the other provident pages and found another director and it was sent there aswell.

Got a reply today to say they are looking into our complaints.

 

I have all our books going back yrs and boy I am shocked myself what we.ve had and how they allowed it

at the time u don't see it but every few months, some every wk.

 

Will keep u posted how it goes

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go nail 'em!!

 

 

little dicky bird tells me that the FCA are FERY interested in Provident at present

they've had 100's of complaints from people getting letters from lowells on debts going back to the early 2000's some beyond

that lowells are now chasing and many they are trying to litigate on too.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Are they really

I keep getting chased by them aswell

but thry statuary bard as they are over 6yrs old

I believe around 8/9 yrs

I just ignore them cause I know they can't do nothing

 

 

I also believe provident won't take to court cause of the interest rates.

 

 

From what I can see I have paid what I have borrowed prob 3 times over in the last 6yrs .

 

Only thing I.m unsure of is that I know we been lent irresponsible b

ut in terms of figures how do I break down what I want.

 

 

I have memory problems so what I read don't always make sense of

I can't absorb the info to make sense without someone telling me what it is I need to do so if anyone can help i.d be greatfull .

 

 

Just need to explain what it is I need to calculate so I can get someone to do this for me

 

 

cause without knowing I can't explain to the other person.

If that makes sense sorry for so many questions.

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didn't say provi take you to court

ofcourse they don't

I was relating to lowells

they will and do

 

 

they send out 1 or 2 letters to an old address

then if they get no response

they issue a speculative claimform.

 

 

matters not if its Statute Barred.

if the claim is not contested

no human looks at it

rubberstamped default judgement.

 

 

1st people know is a judgement for claimant magically arrives at their correct address

that's why its SO important to update debt owners of a change of address

 

 

750'000 claimforms are issued every year

more than 85% are never contested

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you I.m not sure what I.m suppose to be asking for in the reclaims.

 

 

I.ve for certainly been lent money irresponsibly.

Loan renewed as soon as possible.

 

Numerous loans a yr

some every other wk started at £100 raise to fee hundred then to the 1000 to 2000 .

 

 

No loans paid off all together always renewed .

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perfect complaint then

off you go read the guide

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Irresponsible lending - probably.

Irresponsible borrowing -certainly IMO

Wanted loans for Xmas etc - sounds like a tenant?

 

 

What would you have said/done if Provident had rightly turned you down for a later loan?

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With paying them so much every wk we had no money left for savings and what's wrong with being a tenant anyway we can't all own our own houses.

Plus isn't taking numerous payday loans out no different

 

 

so you saying people who keep talking pay day loans with numerous companies it's their fault for taking the loans out .

Even though your taking one out to allow u to live for the next few wks.

 

 

No need to judge us ,we already told provident we hold some responsibility in the emails.

But perhaps you should be on this forum if you can judge anyone so quickly

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  • 9 months later...

If we have helped you win please consider a donation

Off to the fos then

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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