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    • Thanks FTMDave, I like the cut of your jib - I'll go with that and obtain proof of postage. Encouraging that NPE have never followed through and seem to blowing hot air, let's see where they go after this   Regards
    • Please see my comments in orange within your post.
    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.   House or Flat? Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Again, points as above. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) Why serve a delapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease. I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to buy the freehold of the property. It's normal, whether it is a "normal" leaseholder or a repossession with a leasehold house, to claim this right of enfranchisement and sell the property with said rights attached and the purchase price of the freehold included in the final completion price. That's likely what the mortgage provider wished to do. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Redact and scan said evidence up for others to look at? Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. So this is dealt with then. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.  You wouldn't vary a lease through a lease extension. You'd need a Deed of Variation for that. This may be done at the same time but the lease has already been extended once and that's all they have a right to. The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved. The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there. Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
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EON chasing me for someone else's bill


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Sold house in December 2014, exchanged in early January 2015, spoke to EON, took meter reading and took photo of meter.

 

Weirdly we had no bills from EON since 2006.

 

Heard nothing.

 

Today get letter from EON demanding £109.57.

 

Turns out actual energy usage was £31.45.

 

But that relates to a bill from October 30th 2015 to December 30th 2015

 

So somone else's bill

 

They also claim that there's a £55 call out fee and a £10 extra fee.

 

But refuse to provide an actual bill, and are stalling when I ask for a breakdown of the £109.57.

 

Oddly the lack of bills from 2006 to 2010 is because we were in credit and 2 payments from the Government (??) - why would the government pay our electricity bill?

 

The story keeps changing.

 

Asked why no bills had ever been sent prior to this, despite asking for one.

 

Spent the whole day on phone trying to sort this out.

 

Despite having the photo of the meter and proof of sale, which EON wanted earlier in the day, they now don't want it and are not prepared to discuss the issue any further.

 

I assume a court date is next and my credit rating has been trashed?

 

Any ideas how to resolve what should have been an easy to resolve issue?

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they cant backbill outside of 12mts

you owe nowt

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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They are saying that they did not know that I'd sold the house, therefore I'm responsible for the next mans bills, and the £55 debt collector and £10 late payment charge.

 

I did say that I though they could not go back more that 12 months, so I think they're just after me for the last bill, which was someone else's bill.

 

They did ring a few times asking for the person I sold it to, but I just said they had the wrong number or that I'd call them back, but when you call the number they ring you on it's just a recorded message.

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late payment charges and DCA fees are unlawful anyway too

 

 

lets them willy wave

theres nowt they can do to you.

 

 

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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But they somehow tracked me down to my new address, presumably my credit rating will be trashed.

 

They say that I have no proof that I've not had the monthly bills dropping through the letter box for 8(!) years and no proof that I contacted them to say we'd sold up.

 

Bill before last was paid online and they say that I elected in 2005 to only be billed online, but they say I logged in on the 7th of March 2005 3 times and never again, but next and final bill was paid on 5th December 2006, so they must have been sending paper bills otherwise I'd not have known about it.

 

I offered to pay the actual bill, even though it's not mine if the dropped the £55 visit charge, but they refused.

 

Seems to be a shambles of a company, person from resolution team was livid that I was given the cost of units and units used by previous woman, I should not have been given that information apparently.

 

I can't get a straight answer out of them and now they refuse to deal with me.

 

Court next?

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because you are soo keen on beating yourself up over this they are taking advantage of you.

 

 

You owe them nothing so stop bothering them and ignore anything they say as you can see it is nonsense

 

They arent going to take you to court and you cant take them to court for being incompetent..

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  • 2 weeks later...
Sold house in December 2014, exchanged in early January 2015, spoke to EON, took meter reading and took photo of meter.

 

Weirdly we had no bills from EON since 2006.

 

Heard nothing.

 

Today get letter from EON demanding £109.57.

 

Turns out actual energy usage was £31.45.

 

But that relates to a bill from October 30th 2015 to December 30th 2015

 

So somone else's bill

 

They also claim that there's a £55 call out fee and a £10 extra fee.

 

But refuse to provide an actual bill, and are stalling when I ask for a breakdown of the £109.57.

 

Oddly the lack of bills from 2006 to 2010 is because we were in credit and 2 payments from the Government (??) - why would the government pay our electricity bill?

 

The story keeps changing.

 

Asked why no bills had ever been sent prior to this, despite asking for one.

 

Spent the whole day on phone trying to sort this out.

 

Despite having the photo of the meter and proof of sale, which EON wanted earlier in the day, they now don't want it and are not prepared to discuss the issue any further.

 

I assume a court date is next and my credit rating has been trashed?

 

Any ideas how to resolve what should have been an easy to resolve issue?

 

Good morning and thank for your post.

 

I'm not sure I can offer much advice due to the level the complaint has reached to be honest.

 

I think you need to have a look at the complaints handling procedure, it's on our website (I'm not allowed to post links)

 

Then I think you need to get back in contact with the complaints manager who is dealing with this for you.

 

To me it sounds more complicated maybe and without knowing the actual details, I wouldn't want to tell you the wrong thing.

 

I do hope it gets resolved quickly for you.

 

Helena

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you should be able to post links?

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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  • 7 months later...

We sold a house back in 2014, informed the various utilities/council.

 

Fast forward to 2017 and EON sent me a bill for £119.

 

Turns out the person we sold the house to sold it on again and didn't pay their electricity bill.

 

I asked for a breakdown of the bill, but was refused, told that account was null and void and no copies of bills could be provided.

 

Weirdly I'd not had an electricity bill since 2006, but when I called from time to time they said that was because the house was marked as empty - which it was.

 

So I complain to EON, woman at complaints finds against me (no surprise there) and laughed at me when I said I'd go to the ombudsman.

 

Having gone to the ombudsman I now know why she laughed at me, case handler was beyond useless, could not grasp the situation, refused to see proof of sale, and then found against me for not providing proof of sale, refused to accept that the house had been sold.

 

So I refused to accept the decision, and asked to make a formal complaint against the ombudsman (which turns out to be some ltd company) - no luck there, no ombudsman for ombudsman.

 

But useless case handler did get copies of the missing bills, which show the account was in credit by £44.

 

I did take photos of the meters on moving day, but EON aren't interested.

 

My credit file shows a default now, previously spotless, and EON sill owe me £44.

 

But now I have daily recorded phone calls from Wescott.

 

Any ideas how to solve this?

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How about letter before claim to EON head office legal department, threatening to issue a county court claim for the £44 and to have the default they added in error removed. Give them 14 days to pay the £44 and remove the default or you will issue the court claim against them. If they don't respond, issue the court claim.

 

When you send the letter before claim, include details of when house sold and how the £44 has been calculated.

We could do with some help from you.

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Seems like a plan, should I write to Wescot (who charged me £5 for the letter they sent me)?

 

Wescot say that if I cough up promptly:

 

"Could reduce the negative impact on future tariffs you might be offered from other energy providers"

 

Is there some black list for utilities? Seems unfair that falling out with one utility would lead me to have to overpay for energy and thus be cheated out of money by others?

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Wescot can't charge you anything.

 

This debt has no effect on tariffs available.

 

There is no blacklist. Obviously when you apply to a new company, they contact previous supplier, but that is mostly about issues that might stop the transfer e.g debt over £500, fraud/metering issues.

 

Get the letter sent off to EON threatening the court claim. Just make sure you are certain about your facts i.e £44 owed and that you did not leave a debt behind.

We could do with some help from you.

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I'll send them a letter, have to say they could not have been more unhelpful, the woman from collections was livid because some other call handler had told me what the price per unit was, said that was not information customers should have...

 

Imagine how many people just roll over and pay up, yet nobody from these utilities ever goes to prison.

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  • 1 month later...

Morning Ken Gunnel,

 

Sounds like you’ve been having a tough time trying to get this sorted.

 

I need to ask a few questions to get a better understanding-hope that’s ok.

 

When you moved in to the property did you give us your start readings?

 

When you sold the property, did you let us know and did you give us a set of final readings?

 

Did we send you a final bill and did you pay it?

 

The bill we recently sent you, are the dates correct, are the readings right and is the bill in your name?

 

If the bill is in your name, when you contact us we should have been able to discuss the account with you.

 

Once it goes to the Ombudsman it’s then out of our hands and we won’t be able to discuss the complaint.

 

Again sorry for all the questions!

 

Amy

 

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The bill is dead and buried, EON are forgetting the back billing rule and hoping you won't be informed.

 

A letter before action is the way to go IMHO, the entry on your CRF could be seen as defamatory and that is what you would sue them for, defamation.

 

Keep everything in writing, have you written to their CEO regarding this?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 year later...

In January 2015 we sold a house, the electricity supplier was EON.

 

I had telephoned them some months before completion to find out what the procedure was for closing the account, they wanted a photo of the meter, but could not do anything until it had actually sold.

 

Sale came and went, utilities dealt with, or at least so I thought.

 

Out of the blue in March 2017 EON wrote to say I owed them £109, and demanded payment.

 

Now the weird thing is I had not had an electricity bill since March 2005, so I asked for a breakdown of the amount.

 

They refused to provide it, I got the energy ombudsman involved who proved to be useless, but the one thing they managed to do is provide the bills.

 

Turns out we were £41 in credit when we moved and the £109 bill was covered the period up to November 2016, so somebody elses bill.

 

EON refused point blank to accept we had sold the house, despite me telling them at the time.

 

Today I've had a letter telling me Lowell Portfolio have bought the "debt" and its now £190.

 

I spoke to EON and they said my only way out is to take them to court (??)

 

Thing is who do I sue, EON or Lowell.

 

I spoke to Lowell and they just want me to pay the other mans bill, and claim not to be responsible for the money owed to me.

 

They won't accept any proof that we sold the house and it's not our debt.

 

 

Ideas?

 

 

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ignore stop phoning people!!

 

old and new threads merged for history

 

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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Ken, you were told to take EON to Court 2 years ago.

 

Lowell are quite likely to issue a Court claim against you at some point.

 

Is this debt still on your credit record ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Debt not showing on record.

 

I did imagine that Lowell would take me to court.

 

But now the account belongs to them surely I can take them to court to get back what's owed?

 

Or, is it statute bared anyway?

 

I've not made any payments to it since 2005, taking someone to court for £40 is a whole load of grief...

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Do you mean 2005 or 2015 ?

 

You moved in 2015, so presumably that is when you last made a payment ?

 

If so, the debt won't be statute barred. It may not be showing on your credit record, as it was removed by EON and Lowell have not added it back on yet ?

 

Do you have proof of advising EON you sold the house and that you paid their last bil ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Last payment was in March 2006, after that they just stopped sending bills.

 

The account was overpaid and stayed in credit all those years.

 

House was empty.

 

When we knew it was sold I rung them and was told to get a photo of the meter and ring them after we had compleated.

 

So I did, but it the person I spoke to could not help and I was promised a call back, which didn't happen.

 

I presume Lowell have added a load of fees to get it from £109 to £190?

 

I'll call Lowell in a while and offer to prove its not my bill and ask for a breakdown.

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dca's cant add charges

AFAIK no dca has ever taken an old utils bill to court?

too many bills/acts of Par'l get in the way. inc back billng etc.

 

don't ring write! using royal mail.

that will also ensure, legally, that they have you correct address.

 

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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