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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
    • She did try contacting EON in the early days of the debt but they refused to speak to her because she could not pass the security checks. She didn't know the answers on an account she hadn't opened?   I also saw this article recently which could be what has happended here: Debt collection agencies in the UK are using fair means or foul to link people to an address where an unpaid debt has been run up, sometimes years after they have moved out The Guardian Anna Tims Mon 22 Apr 2024 The letter from the debt collection agency arrived out of the blue, and it was intimidating. It informed Joshua Simpson* that he owed £2,212 to Octopus Energy, and accused him of ignoring previous requests to settle the bill. If he did not stump up within 14 days, he was told, further action would be taken to recover the money. Simpson checked his Octopus account – it was in credit. Then he noticed the address where the debt had been accrued between 2022 and 2023. It was his childhood home – which his family had sold 18 years previously. "Since I was only 16 when we left the property, I was astonished that they'd linked my name [to it]," he says. "The debt collection agency insisted I provide a tenancy agreement to prove how long I've lived at my current address. I couldn't, since we bought our home. "They are now actively pursuing me for this debt, causing me a huge amount of stress. We are about to remortgage, and if this debt prevents us switching to a better deal, we will face real financial hardship." Simpson had been sucked into the shadowy world of "identity tracing", whereby investigators recruited by creditors seek to locate individuals who have moved home without paying their bills. It is an unregulated sector where anyone can set up as an agent in a back room without a licence, or scrutiny, and use fair means or foul to identify debtors. Reputable companies join a trade association that operates a code of practice, but membership is not mandatory, and mistakes are common. Last year, a teenage boy was chased for a debt of more than £900 by debt collectors acting for the energy company Ovo. A "trace agent" had somehow linked him to the debt because his parents had previously rented the property in question. An investigation by the Observer established that the debt had been run up by a subsequent tenant. The consequences of mistaken identity can be catastrophic. Individuals who are erroneously linked to a debt face, at worst, court action, bailiffs and a ruined credit rating. At best, they can endure weeks of stress and paperwork in order to prove they are not the debtor. It is estimated that 20m identity traces are made in the UK every year, many on behalf of companies that are owed money. Personal data is often obtained from credit reference agencies, which record applications for credit, and details are supposed to be verified with several different sources before being used for debt enforcement. In practice, however, this does not always happen. Simpson's details had been passed along a chain of intermediaries before the demand was issued. Octopus had given the unpaid account to a debt collection agent, which had contracted a tracing service, GBG, to find the debtor................ Full Article: https://www.theguardian.com/money/2023/oct/04/a-cry-for-help-energy-providers-play-the-villain-in-dramas-to-chill-the-blood ..............The Financial Ombudsman Service, which investigates complaints about financial firms, states that debt collection agents have to produce convincing evidence to link an individual to a debt, rather than rely on names, addresses and birth dates. According to the trade association, the Institute of Professional Investigators, an unknown number of investigators and trace agents are operating below the radar. Many more are merely inept, as data protection compliance training is not mandatory. "We have been campaigning for many, many years to try to get all private investigators regulated," says secretary general Glyn Evans.
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      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.

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Problem with builder


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Hi,

I hired a builder to do some work in my flat. The final invoice he sent me was, by my calculations, way too high, so I sent him an email asking him for more details and could he please tie it back to the original quote, which he claimed is not possible. There were lots of emails exchanged, he sent me some revised figures, and the last invoice he sent me was closer to what I calculated I owe him. So I questioned him about that one final time (I mean, all he has to do was tie it back to the quote, I don't know why he can't do that), and he is now saying "Fine, pay what you think you owe me, and I'm going to issue you with another invoice for works that I didn't charge for."

Does he have the right to do that? If he has, is there some protection in the law that would stop him demanding, say, £1000 to put one shelf up? Can he charge me for the time spend in email exchanges regarding clarification about hist first invoice?

Is there a legal process that he has to follow to get me to pay?

Can I contest the invoice? Is there a legal process that I need to follow to contest it (I haven't received it yet).

Thanks in advance for any help.

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I assume that you obtained a quote and then added other jobs without agreeing a price.

Please confirm if this is correct.

Then, please list these extra jobs and how much he wants to charge, just to have an idea about how unreasonable the prices are.

Some jobs seem easy enough but carry a big price because of the equipment needed.

For example, drilling a 4 inch hole in a wall is easy enough and takes a few minutes, but the diamond core and clutched drill needed to do that are very expensive and builders need to get their money back overtime, so it's not unusual to charge up to £100 to fit a vent even though it only takes 15 minutes.

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No, that's not what happened. It's a bit more complicated than that. It literally is what I said. I could not make sense of his figures, I asked him for clarification, he was not willing or able to tie back his invoice to the quote (surely that's not an unreasonable thing to ask for????), there were lots of emails exchanges, he said I was being picky about the wording when I tried to quote some things he said, and he was trying - as a see it - to charge me for things that I shouldn't be charged for.

 

What I mean by that is this: I first got a quote that included a quoted amount to replace the kitchen floor with laminate or lino. I also asked him for a (separate) quote for putting down reclaimed wood flooring. This was sent to me with the words "I have added the cost of reclaimed flooring installation at the end", came in a document called something like "…including reclaimed floor installation", and clearly said ("kitchen: installation of reclaimed flooring"). So I thought that it was a quote for, you know, putting down reclaimed wood flooring.

 

Now in the end, I chose lino, and that's what got installed. So I thought that the quote for reclaimed wood would not be counted as part of the final cost, but he says that actually, he is counting it, because - he told me as part of the email exchange to clarify his figures - it's for lino flooring installation. This was quoted as (L) for the kitchen + (M) for the hallway and (N) for the bathroom, and L was a higher amount than the original amount quoted for lino. Since I thought this referred to reclaimed wood flooring, that made absolute sense to me. But apparently, no, it was for lino, and the higher cost for the kitchen is because it's a larger area, since it involves the hallway and the bathroom…which I would absolutely agree with if hallway and bathroom didn't carry their own cost. So, unless there's something blindingly obvious that I'm not seeing (which IS possible), that didn't make sense to me.

 

I can send you the long version if you'd like, it's not worth putting on line.

 

Anyway, we did agree in an amount, I've paid it, still have not received the additional invoice for works not charged for, and no idea what these will be.

 

I'm going to try and get legal advice tomorrow, just in case.

 

Anyway, thanks for replying. If/ when he does send the additional invoice, I'll update.

Edited by PamSa
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