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SeanT

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About SeanT

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  1. (reposted here as getting no views over in energy firms, probably not the right place for it) Anyone have any idea how this bunch of jokers can do this? I left British Gas, cancelled my direct debit, and when the bill came I paid it - which I would consider normal... BRITISH GAS TRADING - ELECTRICITY Started 24/04/07 Balance £0 Settled 24/11/09 Monthly payment £0 over 0 months Status History 06 In the last 2 months of account activity, the number of status 1-2 is 00 and the number of status 3+ is 01 File updated for the period 20/12/09 wtf???? What's the best thing to do about this? I've complained to Gritish Bas, much good that will do me. It's clearly wrong, how is it even possible to be up to date with an account one month, and then 6 months late the following. I've had loads of declined applications, reduced credit limits and increased interest rates since christmas, and now I see why - I assume that with proof that my available credit has been affected and that I've been paying more in interest I can sue BG for this? Can I do a CCA request, as I'm pretty sure I never signed a credit agreement with BG?
  2. Anyone have any idea how this bunch of jokers can do this? I left British Gas, cancelled my direct debit, and when the bill came I paid it - which I would consider normal... BRITISH GAS TRADING - ELECTRICITY Started 24/04/07 Balance £0 Settled 24/11/09 Monthly payment £0 over 0 months Status History 06 In the last 2 months of account activity, the number of status 1-2 is 00 and the number of status 3+ is 01 File updated for the period 20/12/09 wtf????
  3. They have escalated my complaint (which was made by telephone) - now I just need to phone NCCS again about my other complaint - they reduced the credit limit on my card from 9k to 500 quid without notice, and then told me I could appeal and it "wouldn't affect my credit rating" - so in that case, why is there a fresh search on my experian account from nationwide ("unrecorded enquiry").....
  4. The 16th feb is no notice at all - the rate change took effect at the beginning of the month!!!
  5. Phone up and complain then (although they may ignore you, as they did me....)
  6. They do this a lot too, and apparently should you not receive the letter in time / at all it's completely your problem, according to the chap I spoke to ("we acknowledge no mistake")
  7. Has anyone else had this change this week, without being given any notice at all? I phoned today and the call centre were largely clueless, although they did confirm that the last time they sent me any correspondence was back in November, pretty much sticking their foot in it. Now excuse me if I'm wrong, but given I think it's arguable that increasing the interest rate on my overdraft is a change that is to my disadvantage.... Their website actually goes as far as to say "notice given" at this url - Nationwide Building Society - FlexAccount - Rates & charges, but states that the change is from 1st Feb anyway.
  8. Check your email - they've put the price up, so I'm cancelling this service, was useful in the past but doesn't tell me anything I don't already know now....
  9. Due to the base rate change, I'm not actually switching my mortgage yet (or for some time if I can't make some overpayments and claw back some of my LTV!) - so haven't really pursued this. I'm just looking forward to dropping onto their 4.44% SVR at just the right time, then I'll deal with switching mortgages later in the year...
  10. I'm fairly impressed - they actually managed to send us a letter stating who we owed the money too - turned out that the wife really did owe Reader's Digest around 30 quid for something (overpriced) that she had actually ordered and received, and had received a reminder letter for. (grrrrrrrr!) She just rang Reader's Digest and paid the original amount, getting a reference number for this payment, so presumably we can now ignore these people (who wanted 5 quid more than the original amount for calling and sending a letter) and if they get funny ask them to prove that we owe the original amount. At least it's a learning curve (and the oh has had another bollocking from me for ordering crap that we don't want and could obtain cheaper elsewhere)
  11. Mine logs calls - which is good as I haven't implemented a way of recording them yet - might have to get the gear to record and then start answering them, see how badly they can slip up.
  12. All obscure numbers get screened in our house, usually because we're not actually around to answer them and see them on the phone when we get in. I read somewhere about there being a limit to how many times a company are allowed to call without receiving an answer???
  13. I'd go on the holiday, the main reason my wife suffered so badly with PND was that we couldn't afford to go away and spend time together as a family.
  14. Of BBC Watchdog infamy, sure you know them very well on here - keep getting missed calls from them (OK, so some of the missed calls have been whilst I've been at home, because (a) I'm not completely stupid and know how to use google and (b) I have caller display.....) As I haven't received any correspondence from them, and neither me nor the wife owe anyone any money (whom we have a credit agreement with), I assume it's safe for me to carry on pretending they haven't called - after all, if they want me to pay them some money obo some organisation, the least they could do is write a letter???
  15. Dear Nicola, I enclose a copy of a demand for payment for an unsolicited delivery of a large parcel of books to the address above on 28th May this year (I actually spoke to a representative on the telephone personally, who called me at home, and during the conversation stated that I was not interested in “previewing” this collection at all – they later phoned and spoke to my husband, SeanT, who confirmed that he could act on my behalf, and also stated categorically that I had no interest in receiving these books.) The books were delivered anyway, and delivery of the books was taken by a relative who was at our home, and who had not been instructed to refuse the delivery (which is entirely reasonable, as the aforementioned large parcel was neither welcome nor expected.) This series account number is no longer valid, as I have returned the books as requested, and need do no more to address the issue. I spoke again to somebody from Grolier, by contacting your call centre on the national rate phone number, and arranged a collection of the parcel. The courier failed to turn up, so I contacted you again, and rearranged the collection. A courier arrived after the second attempt to arrange a collection and collected the parcel of books from my husband, who was in at the time. He obtained a receipt for the collection, and told me that the books had gone back with somebody acting on behalf of (and instructed by) your company. I received a letter on 11th August asking for the delivery note, as your company claimed to have failed to receive the returned parcel (which was now in the hands of the courier that you instructed, and thus no longer my responsibility). I contacted you about this letter on 11th August on the (08702) 404385 service to ask why this was necessary, as I had not sent the books back personally, they had been collected. Fortunately, my husband still had this, and duly sent the collection receipt to the address above on 15th August. I trust that this matter is now concluded, as I have complied with your terms and conditions and your requests to prove something that there is nonetheless no onus upon me to prove. Please refrain from contacting me with further demands for payment – I never asked for the great big box of books, never agreed to pay you £159.68 over 32 months for them, and I don’t have them either. I told you that I didn’t want them, both before and after receiving them, and I don’t. Please refrain from sending me any more books, promotional literature or anything else for that matter – please consider this letter a notice of cancellation of any membership that I may hold to your “exclusive club.” Kindest Regards,
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