Hi, Firstly I apologise for posting in wrong thread,my fault forgetting it was a sticky! Thank you so much Dx100uk for your detailed reply,it made really interesting reading. Where I may come unstuck is that I never kept any readings on the old meter,but its worth a try. I will contact edf and ask them to check old meter although it was 2 weeks ago meter was changed I wonder if they have disposed of it by now {dont know what happens to old meters} Knowing edf I have a battle ahead as it took them 4 months to sort out my subject access request! I will get on to them today and post any developments on here. thanks again , milly.

Hi, I did attempt to post a reply last week but for some reason I couldnt submit my post. Very interested in your reply DX100uk.How did you go about asking bg electric for a refund? You say your circumstances were the same as mine,do you mean you had a new meter and suddenly your electricity costs were reduced?. I have been keeping a record and am now am only having to put 10.00 a week on key which is almost half the amount previously. Nothing has changed regarding my usage since having new meter. I want to persue this with edf so would appreciate your input . thanks milly

:confused:Hi,havent been on here for a while but have posted a few times in last year,I got as far as sending SAR to EDF and eventually got sent a load of statements .Tbh couldnt understand a lot of what they sent so I left it and didnt pursue matters at that time. Two weeks ago a man from EDF came and changed our meter as it was 9 years old and apparently dont work as efficiently when they are that old. Now the strange thing is that since new meter been installed i am not having to charge the meter nearly as often! I have kept a record of what money i am now putting on the key. Before meter was changed I was having to put around 15 to 20 pounds a week.Now its friday and since monday ive put in 5.00 and will have to put in some more later today. I realize its not so cold now but i still have to use tumble dryer at times and nothing else has changed. Is it possible because old meter was not efficient i was somehow having to use more electricity? Should I tell edf or just be thankful I dont have to put so much on the key now,just wondering if i was paying too much in the past another strange thing is that before meter was changed i noted how much electric was left and when new meter was installed i had around 2.00 more electric than before! Any advice would be gratefully recieved. milly

Hi Slick/doompriest, thank you both for your input,am going to tell relative to check her statements as Slick advises and get her account closed with written confirmation from barclaycard. Will update any news thanks milly.

Hi Doompriest kano, thanks for your advice,have spoken to relative and now she says she never actually asked barclaycard to close account.She ASSUMED that because she sent them a large payment and cleared her balance the account would be closed.She remembers reading something that says even if you clear your balance you have interest to pay for previous month. So I suspect now she may be liable for these charges that have accrued since dec but she can get the account closed from now.is that correct? thanks milly

Hi , I am asking this on behalf of a relative and would like some advice on what she should do next. Relative had barclaycard account and in Dec 09 she sent them a payment to clear her account so she owed nothing . She assumed that was end of matter but shes had 3 months of harrasment and threats on a daily basis from them saying she owes them 50 POUNDS..... She has told them she owes them nothing account is closed but they have now got Mercers involved. After talking to her today I dont think she ever recieved a letter saying her account was closed BUT surely they should have automatically closed her account ? She has still been getting statements with interest being added each month which is where the 50 POUNDS comes from. They wore her down so much she sent them a payment last week for 28 pounds! I only knew about this today so hoping someone can advise best action to take next.. thanks milly.

Thanks Martin, I understand what you are saying about sar and proof of identity,I still think EDF are being awkward. I have never had to supply proof of identity before ,I must have sent about 10 sar in the past. I will have a look on EDF website to see what their policies are. at this rate it will be Autumn before I get to see whats in my SAR......... milly.

EDF are being unreasonable in connection with my SAR request.... The reply to my rebate request said if I wanted a SAR to send 10.00 and gave the address to send it too ,this I did. After 2 weeks I recieved a letter from edf stating before they could consider a SAR request they needed proof of identity and address from me!.... also I had to send 10.00 cheque [i have already sent the 10.00 cheque] I tried to ring edf and got nowhere as apparently the person dealing with SAR is on holiday and no one else can help me........ Why didnt edf tell me initially about needing all this ID proof? its all designed to make me give up but Im not giving up that easy.. I Need to know what they have done with my cheque so I will be ringing back on monday . Maybe this could be a good sign, perhaps the delaying tactics are because they know eventually they may have to refund customers. milly

Hi , having a problem with partners ppi refund from barclaycard He had to contact Financial Ombudsman and eventually barclaycard agreed to repay the ppi premiums,at every stage they delayed things as long as they could. About 3 weeks ago he recieved letter from b,card stating what they had calculated refund to be and then said as account was being dealt with by a third party[calder]they had arranged for refund to be deducted from balance owing ! Account is with calders[,b,card dca ] as it is in dispute and has been for 8 months.,anyway partner wrote back to b,card stating he wanted the refund paid direct to him as b,card had no right to offset the total amount against the balance owing..... So far he has heard nothing so we need to know what we can do next, their are arrears on the account now since it has been in dispute, refund is for 500 pounds,arrears approx 250.00 so surely all they can offset is 250.00? In his letter partner asked for the total refund,to see what happened ,but its no surprise that hes not heard anything... We are not giving up on this but is their any legal stuff we can quote to them? any help would be great, thanks, milly

Final update .... friend managed to withdraw total refund from halifax! halifax either didnt have time to offset the refund or they had no intention of offsetting,either way it was a good result.... so I guess the moral of this post is anyone worried about their refund being offset against another account should get the money out as soon as it is paid in,just in case. thanks for help and advice milly

Good news! Yesterday the refund was paid into friends bank[halifax] before they had chance to offset she withdrew daily allowance and hopefully will withdraw rest of refund today . thanks for everyone's input ,my partner has similar problem with barclaycard I will post details later milly

Thank you dx100uk for your input ,I have had a look at the link you gave me and it appears Halifax will have to refund by way of a cheque ! Will update outcome , Thanks....Milly

Yes I have heard about the legal right of setoff but Im not sure it applies in this case because as far as I am aware when you have a refund the loan provider has to put you back in the position you would have been in had you not had the ppi. So if the ppi has already been paid in full then surely the customer should keep the money ,not the bank ? I have read somewhere thet the only time the loan provider can keep the refund is if someone is in arrears with there account. Please could someone confirm if I am correct....... thank you.....

Hi, I am asking this on behalf of a friend who is a cag member,hope someone can advise. Friend claimed ppi through one of those companies and they have been successful! After they take their money friend should have around 2,000.00 BUT halifax are ignoring requests to refund the money,even though they have sent a letter regarding the ppi refund to friend. But what she is most concerned about is that although the halifax main account is only in arrears by 30 pounds and is not being used[loan is repaid]she has a halifax credit card[account is in dispute and not being paid with a balance of more than 2,000.00.] Can halifax use the refund money to clear balance on the credit card account? Friend could really use the 2,000.00 to pay other bills etc and is worried that halifax could keep the money. any advice very gratefully received.

Blackhorse are a law unto themselves,they make their own rules I am convinced.My own experience of them could write a book so I will be as brief as I can. Took out a loan in 2003 for 3000.00 with ppi consoildated loan in 2004 and borrowed 5990.00 with ppi. made regular payments untill last year when made some late payments,anyway lots of collection activity charges were added.original loan was for 60 months and rang blackhorse to find out what we owed last year and was told loan was now for 86 months !! this was the start of delving into the mysteries of blackhorse.I was told loan was extended due to arrears, charges and the fact we had taken payment breaks.according to them when you have a payment break 2 months are added to your loan!!........... we had also had something called "right backs" which also extended your loan.We did have a few payment breaks but we were never told what would happen to our loan and as for right backs Istill dont know what they are! I was so angry I went to see a Solicitor about blackhorse[it was a free half hour] I was told I would have a case against them ,one issue was the payment breaks not detailed in the agreement,and the ppi issue. ihavent got much further with challenging them as cant afford solicitor and its so complex to do myself. Ido want to take on black horse as they are an illegal bunch of crooks ,they must be making so much money out of all of us. sorry I have gone on a bit,I could say loads more but will stop now....

Hi Kia, When did u send your letter? I sent mine 4 weeks ago ,not recorded but in a freepost envelope,it obviously got to right dept. I was going to chase mine up if I hadn't heard this week so maybe you could too. I would send your SAR anyway as we are going to need all that lnformation to claim. Milly

Ok as predicted I received my fob off letter in the post today from EDF.They seem a bit miffed about the amount of template letters they are getting! The letter says they are pleased to conform that EDF energy has not overcharged its prepayment customers,infact as early as 2005 EDF was the first supplier to align its prepayment electricity prices with those of customers paying by cash or cheque.it goes on to reassure me I have not been overcharged.Then they say if I send ten pounds for a subject access request I can have all data on my account. Not sure what to make of the letter but im sending a SAR anyway,if what they say is correct have I still got a potential claim for 2004? Also received an E-mail from National Housing Federation so am going to see if any new info I can pass on.will post later .

I know that channel 4 were very interested in a dca that uses paper with a yellow band and hails from Kent;)

just to say I sent the letter to EDF about 4 weeks ago and have heard nothing,not even an acknowledgment so I shall be sending a follow up letter and send it recorded delivery.the problem is as far as i know no one has asked for a rebate before so this is new ground for all of us.l wonder how many have written to their suppliers ,it would be interesting to know what reaction others are getting to their requests for rebate. milly

for all of you interested there is now a template letter on the national housing federation website to complete and send to appropiate energy supplier requesting a rebate. I know I shall be sending my letter this weekend,definitly worth a try!

Thanks for your input surfer01,tawnyowl and itstheone, the manager is fairly young,not sure what experience he has and hes definitly not liked. I could name lots of comments he has made which could be construed as threatning,I will write everything down. I dont really want to say any more about where my son works will keep posting. milly

Thanks for your comments tawnyowl,you are absolutely right about the way employers treat staff now.at my sons workplace Only the other day the manager held a meeting and told the staff that if they dont work harder [they already give 100%] then he has a drawer full of completed application forms ready for new employees to take their jobs!l It certainly does not promote a good working environment,no one is happy working there but its a job...... Son has to ring his boss every day with updates in the hope he will decide to return before the certificate expires. Will keep posting with any updates. milly

Thanks Tawny Owl I shall have a look at the links you gave, I understand what you are saying but it still seems unfair and my son has been put under pressure to return to work against the consultants advice which is making him stressed. He would much rather be at work earning money rather than receiving sick pay but thats the situation he is in at the moment AND has the worry of a disciplinary when he returns may ask for more advice nearer the disciplinary thanks

Hi, hope someone can help, my teenage son works in a cash and carry and last sunday was injured during a football match.he went to A/E , they advised him to not go to work and after a visit to the hospital last friday he was given a medical certificate for 2 weeks and told not to go back to work as the nature of his job would aggravate his recovery.[He has a broken arm, in a sling] my son went into work to tell his manager who persuaded him to stay and help out as they were short staffed! after a few hours sons arm was painful so he told his boss and he left work. son has been told he will have a disciplinary when he returns to work and he has to ring on monday to inform his boss if he can go to work! I am furious with the way son has been treated as this is not the first time he will have had a disciplinary for being sick,he had one before when he had a certificate for tonsillitus. my son did go to work last week and did reception duties but was told by the doctor it made his arm worse as his right arm is injured[ he is right handed]my son is afraid of his boss and worried about losing his job as if he has 3 disciplinarys he will be sacked..... what i would like to know is can his boss legally do this,can someone have a disciplinary when they have a certificate? is there anything we can do legally,as my son is suffering from stress with the worry of this.I consider that he is being threatned and intimidated by his manager. any advice gratefully received thank you

Hi, another update to report.... Sent letter to CDRU regarding doorstep callers and the fact account still in dispute. Had a few phone calls which were ignored by me,then had a threatogram saying they would be advising legal action.... Then received a letter from MCS[its back with them again].......... A very strange letter, page 1 is adressed to ourselves and states " your complaint surrounds the provisions of documentation in respect of the debts placed with our office.I can confirm that on 3 occasions the requested agreement was sent to you to satisfy the cca act 1974. as these documents do not appear to be in your possession I have enclosed a further copy and sent it registered post. In view that this is the 4th copy sent it is becoming apparent to me that we are not likely to come to an agreement regarding liability for repayment of the account" that was end of page 1 and it said continued BUT page 2 was adressed to someone else with a different date to the date on page1 and regarding a different matter! I never cease to be amazed at there incompetence, someone probaly has page 2 of our letter....and they must have broken a data protection law surely .. they are completely missing the point anyway ,we have all 4 copies of the agreement but none of them are the original. Should I inform them of there error? obviously I would really like to know what was in page 2 of that letter... It was June 2008 I sent my first cca request to mcs so this game has been going on for nearly a year now any advice gratefully recieved milly