I think there is a problem with the PC im using re: line feeds! The original had line feeds and I have editted to put in line feeds..... they dont seem to work??.... sorry!!

I have been in talks with EDF regarding this since February. They continue to feed me their prescripted garbage as an excuse as to why the prepayment meter was installed.I have no requirement for a prepayment meter, the paymnet plan I was offering would have cleared the outstanding debt within a few months. Their knee jerk reaction to apply for a warrant was done purely on the grounds that, mistakenly, like other companies I have dealt with, they assume that because you are using a debt management company that you will use Banruptcy as a get a clause to allow you to be free from and not have to repay the debt. This was never an option for me although CAP had discussed it with me. My local council did the same thing, applied for a warrant to evict me assuming that I would take the easy option by way of bankruptcy. My local council also claimed in court that CAP had made no contact to get what they wanted. Fortunately in this instance the judge threw the case out. Subsequently, I cleard my rent arrears within 2 weeks of returning back to work.Anyway, going back to the EDF situation, as I never agreed to be a customer of theirs in the first instance, EDF are totally in the wrong in this situation, and should have returned me back to my original supplier back in 2011 when I requested so. There would have been no debt if they had done as I had requested. They should never have gone to BG asking for money owed, when I had specifically stated that I did not authorise a switch from BG to EDF. I have asked the ombudsman to investigate now as it has been going on too long, EDF even though they have the written proof refuse to acknowledge my complaint as a valid one.

Thank you

Strange.... there were line feeds in....they disappear when I submit the reply :-/

Lol how long have you got........ here goes!I put in for a dual energy supplier switch sometime in 2011 with uSwitch. I was unsure as to whether I was making the right decision as I have prepayment meters and had been unable to get accurate readings form my meters. I called, cancelled my application, my cancellation was confirmed.Since the cancellation was made, my energy suppliers had changed without my knowledge and without my consent. My Gas supply from British Gas to EDF. The switch of Electricity from EON to British Gas never went ahead following my cancellation request. I only realised a few months later when I called British Gas regarding a gas leak and they advised me I was no longer a customer. uSwitch are now denying all knowledge of the cancelleation.I contacted EDF in July 2012 asked them to return me to my original supplier, no action was taken. They did not cknowledge receiot of my email, therefore I refused to pay them.In late 2013 after becoming unemployed I enlisted the services of Christians Against Poverty to help with my spiralling debt, being christians they advised that I should not ignore the EDF bill and it would be better to make payments whilst resurrecting the original complaint/ request to switch (pardon the pun).In April 2014 CAP contacted EDF on several occassions to which CAP have advised EDF failed to respond.EDF have claimed they did reply to CAP, and that CAP had not returend documentation as requested, therefore, as they had also had no contact from me, they applied for the warrant. I advised EDF I had appointed CAP to work on my behalf, and although they acknowledge receipt of correspondance from CAP they are not obliged to wait for a response.I have asked EDF for proof of all correspondance as I find it very difficult to beleive that a Christian organisation would lie, EDF can't even send me a simple copy of an email response, I have been waiting for a week just for that.I also, on the date the warrant was executed (10.04.2014), asked EDF to provide me copies of the warrant (BCW Group flashed a piece of paper in front of my daughters face claiming it to be a warrant, she is 20 but very naive, has no idea what a warrant looks like to verify one, but they didnt leave a copy).I also asked for all documentation confirming that I had agreed for the swiths in 2012 to take place, an address for the court where they applied for the warrant, and the infromation they provided the courts to obtain the warrant as I believe it to be false. They have provided me with nothing.So basically, whilst I thought CAP were dealing with the debt, EDF were claiming no contact and applied for and were awarded a warrantto enter my home forcefully and install a prepayment meter.

It is with arrows. I wouldnt call it a chaser letter as such. Just an introductory letter advising they now own the loan, with a form to complete and return.Escuse me for being dumb... whats IMHO?

Sorry mikeymack2002 was your comment aimed at me? If not apologies for responding

My daughter lives at the property with me. She was in her bedroom with her newborn baby when BCW Group forcefully entered the house. They didnt even knowck to see if anyone was home first. My daughter was petrified she thought we had burgulars and that her and her baby were about to come to harm.Obviously with having the baby, she is currently on benefits. I was on benefits at the time the whole process with CAP started, but I have now managed to find temporary work.

I have queried this and asked for the original loan paperwork and attendance records as proof that I didnt attend. As of yet, I have received nothing. Can I just clarify, the loan amount would have been paid directly to the college would it not? Im thinking, as I didnt attend, surely the college would have paid back the money??

Yes, the loan actually fell into arrears so they say the full amount is now owed, and even though the loan has now been sold on I will still be required to repay the loan in full before I am eligible to receive further funding. Im a bit miffed because I never actually attended the course I enrolled on. I was a young mother with no chilcare facilities so never attended. I gained nothing from this enrollment apart from a hefty student loan, which apparently I am still liable for. I am unable to pay the loan in full, have advised them I cam pay installments but they still refuse to offer me funding.

Good luck. EDF gained a warrant to access my house and fit a prepayment meter even though there was a request from Christians Against Poverty (CAP) to act on my behalf in relation to the debt and a payment plan was being set up. They claimed they had no response form CAP when the returned documnets for CAP to complete, an as such they applied for a warrant. CAP claim EDF never responsed to their emails at all. EDF are sneaky bar stewards!! Iva asked for proof of all documentaion sent, a month down the line I have received nothing, and EDF claim they are not at fault!!I have contacted the Ombudsman. Dont call EDF, ensure everything you do is either by mail or email so you have proof of contact. When I call they never call back when they say they will, and you cant prove the content of a conversation!! It seems to be a common thing to play dumb and stall, my local council did the same in relation to my rent arrears, claimed no contact in the courts to obtain a warrant to evict me.

I had a similar complaint last year. My complaint is still ongoing. EE have sent my bill to debt collectors without ever responding to a sngle complaint letter/ email or call. The CEO didnt even reply, Ive mailed him on several occassions. Good luck!!

Im also concerned that even though SLC have sold the loan on they still control whether further funding can be given dependent on whether the loan is paid off or not. I applied for a student loan and was refused it because I still have this outstanding loan from 1994. Ridiculous!! Im so relieved I saw this before I signed any forms. I received mine a few weeks ago, cant recall where I put them so hadnt signed them yet.

I have had the same issue with CLS, although I need my car for work so I do not want to have to hand it back. I have fallen behind on the payments several times but only by 2 payments at a time as I contract and move around from job to job frequently. On this last occasion I was made redundant but I managed to find a job after 7 weeks unemployment. I am 2 payments behind and working with an umbrella company meant that I could not give a specific date that I would be paid. I sent info to CLS from my umbrella company stating payment run dates but even this did not suffice. I took advice from the CCCS regarding other debts and as soon as I mentioned this to CLS they issued default papers and then repossession papers. I am still waiting for them to come and get the car back. I suggest you find out as quick as possible whether you can give the car back as they don't take kindly to the thought of being subject to any sort of payment plan ( Even though I stated this was not an option and not a route I was planning on going down as without the car I can not work as I travel to different sites daily) . They plan to sell the car at auction and then pass the remainder of the debt to me which will then go into a payment plan with my other debtors, something that they said the did not want to be a part of in the first place. I'm pretty sure that if you give the car back the same thing will happen so either way if you fall behind and they repossess or you give the car back you will still have to pay for a car you don't have.

I joined LA Fitness in February 2010. Having paid my membership regularly by direct debit I was concerned when I started receiving phone calls and being stopped at the turn styles when entering the gym for 'non payment' of my monthly fees. I checked my bank account to find that not one, but 2 payments had been going out each month. As requested I took my bank statement to the gym who advised they would rectify the situation. The phone calls kept coming, and then the letters demanding payment of the arrears and threatening a £40 administration charge. The weeks went by and I was still being hounded by LA Fitness staff even though I was still paying 2 fees (which no one could explain to me why?)and after I spoke to each individual they said they would put a note on my account to state the problem was being looked into. I then receive a phone call from my sister advsing me that 'she' owed me money! Confused by my sisters comment, I asked her 'what for'? She advised me she had just received a phone call from LA Fitness staff who told her thay had been taking her membership fees from my bank account in error and that 'she' owed me money!!! Angry that LA Fitness had not themselves notified me of their error I called the gym again and advised them that it was 'them' not my sister that owed me the money and I wanted a refund from them and in turn they would have to sort out my sisters membership with her. Again LA Fitness advised me that the error would be rectified, although it would take a few weeks for me to receive my refund. I am still, 3 weeks down the line, waiting for my refund. I have however received a lovely letter from LA Fitness' Debt Recovery Agency, advising me that as I have 'failed' to respond to requests from LA Fitness to clear my arrears they have cancelled my membership, added a £40 admin charge and forwarded my details to collect the remaining £263.91 (balance remaining on the years contract) Ha ha ha ha (Although I wasn't laughing at this point), I could not believe the incompetence of these people. I drove to the gym yet again to have it out with the manager, who sent his minion to do the dirty work. When he did appear (after at least 20 minutes of me ranting in front of other gym goers about their incompetence) he advised he was with another customer and would get the other manager to call me the following day. He gave me his word the problem would be rectified...again!! I received a lame voicemail message from the manager late afternoon the following day advising that my account is now clear and I will receive my refund shortly... and yet another lame apology. This I am totally unhappy with... what about my credit rating that they have runied, what about the fact that I have been hounded for weeks over an error that was made by them, and yes... what about the incompetent person who set up a direct debit on my bank account for someone elses membership? And do they really think that a lame apology after all the grief I have had is going to make me want to return there? I think not! Since posting this on Facebook it has been brought to my attention that this is not an isolated problem. It seems that LA Fitness are quite good at this kind of thing. A [problem] I feel to obtain money by deception. If you have had the same problem or know someone who has, then join this group and let's make sure these [problem] artists don't get away with doing this again. LOL.. I'm waiting for the next round of letters saying I have igored correspondance from the debt collectors and then the white van to remove goods from my house for sale at auction!! Muppets!!

Join my group on Facebook - 'LA Fitness tried to [problem] me' we need to get awareness out there about what these people are up to!! It's not on I am still fuming!!!

I joined LA Fitness in February 2010. Having paid my membership regularly by direct debit I was concerned when I started receiving phone calls and being stopped at the turn styles when entering the gym for 'non payment' of my monthly fees. I checked my bank account to find that not one, but 2 payments had been going out each month. As requested I took my bank statement to the gym who advised they would rectify the situation. The phone calls kept coming, and then the letters demanding payment of the arrears and threatening a £40 administration charge. The weeks went by and I was still being hounded by LA Fitness staff even though I was still paying 2 fees (which no one could explain to me why?)and after I spoke to each individual they said they would put a note on my account to state the problem was being looked into. I then receive a phone call from my sister advsing me that 'she' owed me money! Confused by my sisters comment, I asked her 'what for'? She advised me she had just received a phone call from LA Fitness staff who told her thay had been taking her membership fees from my bank account in error and that 'she' owed me money!!! Angry that LA Fitness had not themselves notified me of their error I called the gym again and advised them that it was 'them' not my sister that owed me the money and I wanted a refund from them and in turn they would have to sort out my sisters membership with her. Again LA Fitness advised me that the error would be rectified, although it would take a few weeks for me to receive my refund. I am still, 3 weeks down the line, waiting for my refund. I have however received a lovely letter from LA Fitness' Debt Recovery Agency, advising me that as I have 'failed' to respond to requests from LA Fitness to clear my arrears they have cancelled my membership, added a £40 admin charge and forwarded my details to collect the remaining £263.91 (balance remaining on the years contract) Ha ha ha ha (Although I wasn't laughing at this point), I could not believe the incompetence of these people. I drove to the gym yet again to have it out with the manager, who sent his minion to do the dirty work. When he did appear (after at least 20 minutes of me ranting in front of other gym goers about their incompetence) he advised he was with another customer and would get the other manager to call me the following day. He gave me his word the problem would be rectified...again!! I received a lame voicemail message from the manager late afternoon the following day advising that my account is now clear and I will receive my refund shortly... and yet another lame apology. This I am totally unhappy with... what about my credit rating that they have runied, what about the fact that I have been hounded for weeks over an error that was made by them, and yes... what about the incompetent person who set up a direct debit on my bank account for someone elses membership? And do they really think that a lame apology after all the grief I have had is going to make me want to return there? I think not! Since posting this on Facebook it has been brought to my attention that this is not an isolated problem. It seems that LA Fitness are quite good at this kind of thing. A [problem] I feel to obtain money by deception. If you have had the same problem or know someone who has, then join this group and let's make sure these [problem] artists don't get away with doing this again. LOL.. I'm waiting for the next round of letters saying I have igored correspondance from the debt collectors and then the white van to remove goods from my house for sale at auction!! Muppets!!