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    • 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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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
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Problems With Virgin


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Virgin Media.

 

Anyone had this problem ?.

Been with them for 20 yrs since they were NTL.

 

Was a good package for several years,

then each year the cost has risen and risen.

 

We all know they're giving the 'good' deals to their new customers and people like myself are paying more than double for the same services/packages.

 

last June 2017, I rang them to 'haggle ' and try to get a reduction on my monthly bills.

I was offered a deal of £6 per month off, for 12 months.

Better than nothing I thought.

 

They even sent me a new contract (shock, horror) stating how much it would be each month.

Don't think I've had a contract from them for about 15 yrs.

 

sure enough, in July and August the agreed £6 off was honoured.

Then end of Aug I received the generic type letter they send to everyone stating that my monthly bill would increase by £3.99 per month from November 2017. Hang on I thought, I'm supposed to have a fixed price agreement until July 2018 ?.

At that point I'd only had the agreed 'deal ' for 2 months (4 months by November).

 

I rang them.

Got a foreign gent and I explained the above to him.

He did a lot of woffling, some of which I couldn't understand and was saying he couldn't do anything about the price rise.

BUT I said, I have a contract in front of me from Virgin stating the fixed price I'd been offered.

Well then he had to put me on hold to 'consult' with 'someone '.

 

He then came back and said that I WOULD still get my fixed, agreed rate and it would show that on the November bill.

November comes and, you've guessed it, they'd increased my bill by £3.99 !.

 

To cut this short,

I rang them 3 more times about this over several weeks and had 3 different 'customer services ' (that's a laugh)

staff tell me initially in barely deciperable English, that they couldn't 'do anything about it' (no proper explanation why)

but then when I stated that they had sent me a contract and that if it was the other way around and I broke MY contract with THEM, they would be penalizing me, so were they going to honour this contract or not ?.

 

They each then had to put me on hold so that they could 'speak to someone ', then came back on the phone and told me that yes, they would honour the contract and that they would start giving me the £6 per month reduction starting again on the December bill (2017) up until July of 2018 (I'd already had July, Aug, Sept, Oct) so was due another 8 mths. Great I think, all sorted.

Nooo...not sorted, December bill had the £3.99 rise added and now so has the January bill.

 

How many times do I have to ring this company in order for their incompetent staff to get this right and sort it out !.

And I'm not the only one this sort of thing is happening to, judging by the Virgin Media Facebook page which I had a look at some days ago to discover that they are doing similar things to other customers all over the country.

 

There were SO many people posting on there, some were brand new customers who had been offered a package, price agreed on, had the equipment installed, (phone line, Tv box,Broadband) and then they were getting overcharged each month, ringing Virgin, getting incompetent staff saying they'd sort it out, it would be correct on the next bill plus a refund on charges and of course, the customers weren't getting these and were doing same as me, ringing Virgin over and over, but the billing never getting sorted out l.

 

BUT if you attempt to terminate your services with them, they start quoting the terms of the verbal 'contract' you have with them and saying they will charge you for breaking your contract !!! (that's the verbal contract you didn't know existed !)

They are unbelievable.

 

I love the Tivo box I have, the phone and broadband are satisfactory, but their 'customer service ' is the worst I've ever come across and I worked in this field and was a trainer some years ago.

 

You simply cannot get any sense out of the and they tell you the same thing over and over and never actually DO the thing you've contacted them for.

 

SO, does anyone know HOW I can get them to adhere to the contract I have with them, short of me contacting the Financial Ombudsman or reporting them to Trading Standards ??.

Any help much appreciated.

 

When I first joined Virgin Media (it was NTL then) many years ago, I'd agreed on a package and what it would cost each month.

 

I got the first bill-they'd overcharged me, it was NOT the price I had agreed on, so I rang them.

 

I spent ages on the phone whilst the Customer Service person 'sorted it out'.

She agreed the bill was incorrect and would be put right by the next bill and I'd get a refund for the money THEY owed ME.

That didn't happen.

 

To cut a long story short, this went on for 4 months, each month I was overcharged and each month I was ringing them to sort it out, felt like it was taking over my life !.

 

Finally on the 5th month it had been sorted, I'd obviously got someone by that time who knew why what they were doing.

But one of their staff told me at the time that they (Customer Service staff) don't have access at all to the billing side of things, so they have to email that dept.

 

Each time I had rang, the person who was 'sorting it out' had simply emailed the billing dept and the staff at the billing dept were the ones not sorting it, or not reading the emails !.

 

I don't know if this is still the case now as my problem with billing was several years ago.

 

If you read my current post about VM, you will see that I am having problems with them yet again regarding billing.

 

Their 'customer service ' is terrible, especially if you're trying to sort out a billing problem !.

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Their 'customer service ' is terrible, especially if you're trying to sort out a billing problem !. See my own post.

 

The only thing that works with VM is to phone to cancel and get through to their retentions staff to run through all of the issues you have had. The retentions staff have much more authority to deal with account issues. They can even write off amounts.

We could do with some help from you.

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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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