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About surrey_36

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  1. I signed up to Utilities Warehouse last year and provided the rep with the meter readings, I was sold the package by a friend who said I would make big savings which was certainly true, when I queried the monthly outgoing amount i was told that there was probably an overpayment on my previous supplier or something to do with my pre payment meter that I had previously. the low monthly payments continued and I was extremely pleased with the service until around October they tried to direct debit around £700 out of my account for electricity. I now have a huge elect
  2. Ok no probs thanks for help with this this is where Ive got to so far - total claimable £608.55 Claim From: 14/12/2009 Total £608.55 Claim To:
  3. yes only legal charges 7/5/19 Field Agent cost £60.00 10/2/20 Legal Fee £57.50 21/5/20 Legal Fee (I received a court order and was given a hearing date that was cancelled because of covid) £707.80
  4. they stopped charging interest 14 December 2009 - does this mean any legal fees after this cannot be included in the claim
  5. thank you dx on the penalty charges- does this include; legal fees site visits letter telephone call court fees
  6. can you advise best way to respond to their letter posted above as states I have 7 days to respond before they set a new hearing date, 7 days has elapsed
  7. How do i find out the welcome interest charge - is the one on the agreement - as at the bottom of the statements it has different interest rates for different years !
  8. Thank you DX there are some capitalisation charges of £10 or more - am i correct in saying that any capitalisation charged are not claimable
  9. dx I manage to locate quite alot of paperwork from welcome sent previously - what am I looking for? Im a bit worried that they are going to start court proceedings after their letter last week, im not keen to send them bank statements
  10. Thanks Uncle Bulgaria, at the moment Im on an interest only mortgage that is at the end of term in 10 years. I pay around £370 a month for mortgage - at the moment.. I've often thought of selling to access equity but very promptly been talked out of it and told i would be nuts to get off the ladder as would be impossible to get back on.
  11. I am going through a previous SAR response, what is CAPITILISATION? there seems a lot of these.. apart from that thee is charges for letters/phone calls/visits Received attached letter today.. Typical of them to throw in the nasty comment about repossession next month.. These people have filled me with fear for years! Looking back through paperwork - I had forgotten about all the things they had done. It does not surprise me for a period of my life I went into such terrible depression as reading back though everything its absolutely shocking. One thing t
  12. Thanks DX - is a SAR the best way forward for both of these debts. Ive got in a bit of a mess with it all and think i need to start from scratch!
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