Hi there, I've been reading about cca's on here. Can I request a copy of the credit agreement? I know there won't be one.

Hey! Result! How did you do it? I'm in the same boat with Scottish power. They messed my bill up and I was signed up by a third party. They defaulted me over a final bill. What arguments did you use- sp refused to remove it too. I'm looking for the next step.

Hi there, Scottish power made a lot of blunders with my bill and issued a default over 60 quid, see my last post). They've responded pretty much saying yes we screwed up but we final billed you and you should have got it so you deserve it. Not our problem. I'm hell bent on them not messing me up for the next six years over 60 quid. Could somebody help me please to write a response to them, by suggesting some things I could quote or say, if I pm or email you their response. Not sure where to go with this now? Thanks

Hi, About a month ago i had an alert which noticed that a credit agency were searching for somebody on my credit report with a similar name to myself (imagine my name is marianne o' connor - the name was mary conner, etc.) my credit report dropped 50 points as somebody was trying to trace me for unpaid debts. i thought at first it was identity fraud then to my horror the penny dropped... In january 2011 i moved into a flat and signed myself up with SSE. I have a welcome letter from them dated 25 january. ( i have this letter as proof) then i received a strange letter from Scottish power about my new account dated the 7th - the day i officially started tenancy - named this strange name. I found it very bizarre and thought, well i havent signed myself up. i imagined the fact that i had transferred to SSE would override it as they of course would take over my energy supply. i could only imagine that somebody had signed me up to scottish power under my name. i did not do this and never authorised anybody to do so. why else would the account be in the wrong name? i can only imagine somebody had got my name (landlord? previous tenant? letting agency?) and signed me up. As i had transferred i was not worried - SSE were contacting the previous supplier. i later received two electricity bills to my horror - the same address but two different companies. i obviously had to pay them ( ironically as i did not want unpaid bills against my name and set about sorting the whole mess out - Scottish power had billed me for electricity from 7 jan - 14 march ( i have this bill and bank statements - i can prove this) SSE told me that scottish power were at fault - they should have disconnected the supply. How can SSE start a supply without taking the meter number from Scottishpower during the switch? This took ages to get sorted out - i had direct debits of different amounts going out from two suppliers. I paid at the end of march a bill to SSE too. i have proof of this. I spnt ages chasing this up - i could not understand how scottish power could allow somebody to be signed up without their consent and then mess up a switch and then bill me in error. i had to send emails to them asking about amended bills as there were errors in billing - i cannot be paying two suppliers for one supply. i moved out at the end of may. I paid my final bill to SSE and was told I was fully up to date and my electric accounts were closed. Fast forward to me finding this credit search - it suddenly hit me it was these guys at scottish power again. i rang them up - of my own volition asking if there was any money that needed paying as i was concerned that somebody had been looking for me - they had my email, my phone number an online account - i received no contact. they said there was an outstanding amount. no mention even then of a default. i gave them my new address and got a final bill and paid it. then i received a letter from pastdue credit solutions (using the new address info) saying ' scottish power may register a default with CRAs' - i had no idea this was going on and had no idea they reported to cras - i did not give my consent for my name and information to be used in such a way. Surely this can't be right - you cannot just sign people up to credit agreements without their knowledge. As far as i was concerned, I'd paid my bills - if i were delinquent why would i ring up of my own volition asking if i needed to pay anything the second i realised? they made no reasonable attempts to contact me other than a bill that clearly arrived after i'd left the property- my ACTUAL supplier was given a forwarding address. I've been turned down for current accounts and then an overdraft with my bank - when i checked my experian credit report I was horrified to find a default from scottish power for a final bill £60 dated last year. I had no idea about this as it was at my old address. I'm gutted as my partner and I want to apply for a mortgage and there is now a default against me that i had no idea about. And for such a paltry amount too. i feel this is very unfair and i wish to complain and get it removed, if not on the basis of scottish power's ineptitude than on the basis that it is not in my name and not with my consent. What should i do, and to where should i complain? Thanks!