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    • Post #9 suggested some options to avoid or put off having a smart meter. Post #12 a simple solution to your complaint about the ay they handle fixed monthly DD. It's not really clear why you posted if you're going get irate when members "jump in" with suggestions. You can see what I'm referring to on "gasracker.uk" to allay your suspicion that I was lying in Post #16 which was made to correct ther misinformation shown in your Post #15
    • Back to octopus from the smart meter/tariff salesperson. Octopus have now said just ignore the letter - I dont have to have one despite there letter implying (at least) it was required, but that i will HAVE to have a smart meter if current meters stop working as 'their suppliers dont supply non smart meters any more'. They also say they do not/will not disable any smart functionality when they fit a smart meter I am of course going to challenge that. Thats their choice of meter fitter/supplier problem not mine
    • Point taken that we should inform new Caggers that the £20 option is there in wrong registration cases.  Well, supposedly there, who knows what the PPCs would do in practice.  Anyway, the option is allegedly there with both the BPA as you say, but also the IPC (I've just checked). However, there's a danger here of baby, bathwater. The two easiest types of cases to win are (a) residential - due to Supremacy of Contract and (b) wrong registration - due to "de minimis".  Indeed until recently we has been boasting that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing. We simply can do nothing about a terrible judge.  The judge seems - I say seems because we haven't had all the details - to have ignored "de minimis",. got fixated on a sign and awarded unreasonable behaviour costs.  A totally bizarre judgement.
    • You mean your witness statement 
    • That may be your personal claimed experience I said i didn't want smart meters - you jumped in to recommend smart meters I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest paying what I owe every month I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest a variable tariff - even if its one that only varies on a daily basis rather than half/hourly - with prices higher in winter when you need it and lowest in summer when you need it least   politeness ends with: - I'm NOT interested in any smart tariff I see, You are pushing your smart meter + variable tariffs in the wrong place - try pushing them somewhere 'nearer to home'  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Door step lenders


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Hi all,

 

Please forgive me if this post is in the wrong place:

 

Having used a number of doorstep loan companies over the past 10 - 15 years mainly KDS Finance & Provident Personal Credit to name a few I wondered if they had been fair with both myself & my partner.

 

The first question I have is if I took out a new loan that re-payed an existing loan should I/we have received any interest back due to paying the first loan off early?

 

My 2nd question is at the time I thought that they were helping us out by offering the loans to us as they never checked our finances correctly for affordability they just picked figures out of the air to ensure that the loan would be approved.

We inevitably ended up with more debt than we could afford and had numerous occasions of ignoring the collector when they knocked or arguing with them as they were very angry that we could not pay the full amounts on the loan agreements and we would end up arguing with them when they came to collect.

 

I remember one company though there name evades me who did start to send a repayment of interest to us when we renewed a loan early though the amounts were very small in comparison to the amounts that were being payed off.

 

I am now thankfully free from all of these lenders but I would love to be able to submit a claim for unfair treatment along with a claim for interest refunds etc.

 

Does / has anyone had any experiences of this nature and have there been any successful claims made against the companies involved?

 

Thanks

 

Nic

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They are subject to the same lending scrutiny as PDL and in some cases are included in HCSTC

We have a IRR Lending guide here on the forum that may help you.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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go hit everyone of them with an IRL complaint

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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click the mauve PDL [payday loan] reclaim guide 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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Hi,

Having looked through the PDL guide I now have another few question:

 

Non of these loans are on my credit report , will the Companies involved still have the details of each loan I / We have had from them ?

and

If the Companies have no records is that the end of my reclaim chance?

 

How do I proceed from here?

 

Nic

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yes they must hold details for alteast 6yrs

 

either you elongate the IRL process to get all the data by an SAR to each lender

or

you send off an IRL complain to each one, and let them work it out for you.

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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