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comebackjimmy

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Everything posted by comebackjimmy

  1. Hello all The misadventures of my sister in law have appeared elsewhere in these forums and here is another unfortunate story but one that has some useful stuff for other CAGers. My sister in Law was selling a high value business item on Ebay and withdrew the sale. I am not aware of the exact circumstances but Ebay charged her a Final Value fee even though it was not sold via Ebay. However, ON THE PHONE they said that if she re-listed the item on E-bay they would credit her the fee so she did. Subsequent follow up with Ebay lead to them denying anything was ever said and subsequently they put her account out to Debt Collectors. To resolve the situation I thought it was necessary to find out exactly what they did say so I found a UK address for Ebay and sent them the standard SAR letter as found on these pages (obviously adapted for Ebay and her account details). This address WORKS for Ebay and is as follows: Ebay (UK) Ltd Hotham House, 1 Heron Square, Richmond, Surrey TW9 1EJ At around day 25 (rather late in the day) Ebay responded asking for more ID and I advised my Sister in Law to send passport and or driver licence data which she did even though I suspect that the provision of her name, address and Ebay username in the original request should have been sufficient. About a week after the thirty days had expired she received two emails, one being a secured ZIP file containing her data and the other being the Password to extract the data. I was able to extract the data and it is indeed a data dump from Ebay. However, it does not contain any audio files. Records of phone calls are shown but the audio files are not provided. I conclude that either Ebay is not retaining any recordings it makes or they have failed to provide the data. If it is the latter then that is a second contravention of the Data Protection rules (the first being late provision of the data dump). I believe the next move is to write to Ebay to advise them that they are in breach due to late delivery of the data and to ask them to confirm in writing that they do not hold any phone recordings, or if they do then to further advise them that they are in breach for not having provided them. Probably a copy to the Data Commissioner would not go amiss either. This post is for CAG member's interest to put on record here that UK Ebayers can write to the above address with a SAR and get a response. Also I welcome any comments and suggestions regarding the next move.
  2. If the case was brought before a UK civil court would UK rules apply or foreign rules? I wonder if the original contract would strate what jurisdiction it's terms would be decided by? I note that UK contracts frequently have a clause that says in so many words that any disputes will be interpreted under UK law.
  3. It is the usual rubbish. It is cunningly designed to frighten you because it uses some words designed to provoke an emotional response such as Bankruptcy, charging, Warrant etc. If you read it carefully it can be summed up as follows: 1. You were wise enough not to engage with us before and we are a bit pissed about that. 2. Because we are pissed but can do nothing else we are trying to frighten you with all the things someone else COULD (but probably wouldn't) do with keywords. Only our client and his solicitor could if they had a case. 3. More keywords because we are still pissed you have not engaged with us. 4. We have advised our client (though we probably haven't) to refer to solicitors for legal action because 1). we have failed to scare or engage you and 2). we have no power to take legal action ourselves, only solicitors engaged by our clients could do that. 5. We want to help you (for which read we want to help ourselves) and please look at the list of other people who can help you because a). we may be legally obliged to refer you to third party help and b). some of those guys will advise you to engage with us rather than put us to strict proof. This letter should be filed along with it's envelope. No need to respond in any way or have any anxiety about this one.
  4. Just keep all correspondence from now on. What I do is slice open the letter with a knife so it is neat, then staple the envelope to the back of the letter, assuming the contents are harmless I then file it in a foolscap cardboard folder. The reason I keep the envelope is sometimes it has post date stamps (potentially useful) and also a return address on the back of the envelope. This can sometimes be useful if you get a letter purporting to be from another organisation but having the same return address as another item. (Often the case that a bank chases you, you ignore, they then pass the case "across the desk" to their internal debt collector which is one and the same bank with another name pretending to be a proper DCA but really the same people!). Once you cotton on to this sort of trick it takes some of the anxiety out of seeing new parties writing to you.
  5. My strategy for myself and others I have helped is to ignore them, just become a black hole, but save/collect everything. The exception is if you get a letter before action or a County Court Claim pack, then report it here. That happened only once out of maybe 14 cases and with the advice of this site I overcame the claim (the other party withdrew before going to court as they could not provide any paperwork, thanks CAG). I have had one or two persistent players that have continued well beyond the Stat Bar time, I continue to ignore. My collection of letters is now extensive and I treat it with the same reverence others hold for a stamp collection!
  6. "I have had on and off letters/emails and calls for years but I have never replied and i changed my email address which they dont seem to have found! This isn't the first contact its justba new company so does that still mean it counts as 10 years? " As I understand it if you fail to pay a debt in the UK then sooner or later the Creditor will issue you with a Default Notice. From that point on the "clock" starts ticking and if the Creditor or anyone else that buys the debt (so becoming the new creditor) does not start court action by the sixth anniversary of the date of the Default notice (five years if you are in Scotland) then the debt becomes what is known as Statutory barred, often referred to on here as Stat Barred. This means that the legal system considers the debt too old for legal action and will not consider the case. Although you still owe the money the creditor cannot take any legal action to recover the debt and if they do so it should be sufficient to say the action started too late and their case should fail. However, if at any time following the date of the default notice that you "Acknowledged the debt then the clock restarts. An acknowledgement is either a payment you make towards the debt or some correspondence you send (letter or email) in which you admit the debt is yours in some way. In your case the debt is an overseas one and it is possible that the administration of the account is different and follows different rules and laws. Quite possibly they did not issue a default notice in the manner required by the UK Acts. In that case the UK Court would consider the Clock to have started from the time you failed to pay the monthly instalment so you should be in the clear. This is all British law. I do not know how this affects an overseas case but I see no reason why it would be any different as the claim would be in a British Court and be subject to the same rules and procedures. If you have not communicated with the Creditor or its agents for ten years then this one has got cobwebs on it. As before I like confirmation, correction and additional information from other CAGers.
  7. Experian, Equifax and Callcredit. You can sign up to free services that send you an email once a month with your report drawn from these three agencies.
  8. Thanks for that DX, I learnt something there. So my post above should be corrected to cancel point 3. and change point 4. to "Advise all creditors of change of address"
  9. Hello Thought I would add my tuppence to this thread. This is what idrww.com says on their home page with a bit of deconstruction by my amateur self!: International Debt Recovery (IDR) specialises in the collection of cross-border debts for banks and other lending institutions. Traditionally this debt has been hard to recover as non-UK banks struggle to trace residents outside of their own jurisdiction, and often discover that even if they find the individual, the credit agreement is difficult to enforce outside of their own legal system. I think that remains true, still is hard to recover. In association with fully licensed tracing agents using modern field tracking techniques, we believe that we can find any individual. That is probably true. Once found, we then employ a strong and effective legal strategy to recover as much of the foreign debt as quickly and efficiently as possible. As a Debt Collector I would presume they have the same powers as any other debt collector essentially none, so in essence their strategy is first and formost to chase the debtor via phone and letter in the hope that they will give up. The best strategy to deal with this is usually to ignore. They say elsewhere on their site that: ...we will use one of our legal partners to obtain judgments and charging orders against property to secure the debt. That statement implies that they will get a legal firm to do the legal work so I presume they sign up a legal firm to act on behalf of the Creditor as they themselves have no power to bring a case. Also worth noting that where they say "to obtain judgements and charging orders" what they really mean is "to attempt to obtain etc etc..." as they have to achieve a minimum standard of proof to the court which is a signed credit agreement meeting the terms of the UK Consumer Credit Act (unless they are using some other act CAGers please suggest if so) and other documents they are relying on probably to include statements and a default notice (safe to say the latter would probably not have been received by you if you had left the UAE). Going back to their front page they say "We break down the barriers normally associated with recovering non-residents’ debt and their failure to adhere to credit agreements. We are so confident of our approach that we are prepared to offer our combined services on a no-win, no-fee basis. We simply earn a negotiated commission percentage on the full amount recovered. A simple and effective scheme, with no risk at all to our clients." They have to break down the same barriers as any other DCA. First, to get the Debtor to engage with them and second to get them to pay. If that fails then to try a court action which is defendable, probably more so as it is an International debt so harder to enforce in the UK. I think a good action plan to deal with this is as follows: 1. Keep all correspondence including the envelops they came in. File it in chronological order. 2. Ignore all correspondence from anyone about this matter unless you get a letter before action, probably this would come from a partner solicitor but even if you get a "solicitors" letter it is not necessarily a Letter before Action but get back here for advice. Ignore all phone calls, if they accidentally get through to you, stop talking and hang up. You may consider it rude, I consider it rude that they are interrupting you with an unenforceable debt. 3. When you move in with your boyfriend get all your mail forwarded to your new address using the GPO forwarding service, or have it go to a box number for collection. This is to ensure that if they do start court proceedings they will not get a County Court Judgement against you accidentally because you did not receive the paperwork. 4. Consider letting them know your new address so that 3. does not happen. (Would love to see other CAGers views on that). 5. Something not mentioned elsewhere on this thread but you left UAE ten years ago. If there has been no contact in that time then I would imagine that the debt is Statute Barred as it is over six years old so no court action ought to be possible. That seems to me to be the perfect defence and probably nothing else is required if it came to an actual claim. (Again other CAGers opinions welcome on this). 6. Just as a precaution check all three credit reference agencies just in case they have somehow registered a default against you but I am not sure how they would do that. 7. DON'T GO BACK TO UAE. The debt will be registered and you will be arrested at the airport and held. Nothing too much to worry about. Please note I have no legal training but experience and some acquired knowledge so I welcome corrections and comments from other CAGers.
  10. Hi Some guys with more knowledge than me will likely be along to help out. In the meantime did you receive a Default notice and if so do you have it and if so what is the date on it? It is reported elsewhere on this site that after a recent Appeal ruling that the date from which the Statute Bar calculation runs is not the date of the last payment but the date of the Default Notice. If your last payment was made BEFORE they sent you the default notice then the SB date is six years after the Default notice date (or five years if in Scotland). As default notices might be sent several months after you default it could be that the account is not yet stat-barred. However, if you paid anything after the default notice then by their admission the last payment was 22nd February 2013 which was six years and sixty-eight days ago. If the law says that the SB period runs from the Default Notice date then that was before 22nd February 2013 though you might have said to have acknowledged the date with the 22nd February 2013 payment. Either way, it is stat-barred in this circumstance. If you do not have a copy of the default notice I would do a SAR request to Barclaycard asking for your data. When it arrives see what they say about when the Default Notice was issued. With that date and the date of the last payment, you will then know where you stand. I would not myself communicate further with Robinson Way on this or any other matter until you are in possession of the facts. After all the longer you leave it the more likely it is that you will go beyond the SB date even if the default was issued after your last payment. Hopefully, some others will come on and confirm my post or add useful material.
  11. What is the total amount they are asking for? I have been chased by Lowell for some considerable time now for a card debt of around £1500. It is about to become Statutory Barred. I have not during all that time responded to any of their correspondence or calls, I have been a big black hole into which they pour their energies. They probably do not know for sure if I am out here so reluctant to take any legal action as it could be a waste of time and money. This is an effective strategy and I strongly suggest you follow it pending any better and more informed advice coming from other advisors on this site. Bookmark their phone numbers when they ring so you know it is them and let it go to voicemail. Keep all their letters but file them and do not reply unless it is a firm letter before action or a claim form. Then come back on here for advice. Here is a list of numbers from which they have called me in the past which you can put in your phone but of course they might use other ones as well so be cautious. 07900742239 01133086169 08448150652 0844444716 01133086000 01133086035 07900742242 0333 556 5500 0333 556 5501 0333 556 5835 0333 556 5560 0333 556 5561
  12. The Latest bill shows a total of £817 pounds, estimated. As a single occupant I would expect that to be quite a lot less if the meter was read. I have refused to provide meter readings on the grounds that it is none of their business as the consumption is between me and my supplier (previously Iresa, now Octopus Energy).
  13. Would be useful to know when you last paid them. Can you go back over any old bank records and find out. If not why not write to Look with a SAR request. they then have 30 days to provide you with everything they have on their system about you and with any luck they will have a sale ledger that shows all you payments. Use the template this site supplies and DONT SIGN anything in your SAR letter. No need to give them any signature they could use to reconstitute any old contract you have with them. As I understand it if you are in Scotland then the limit for legal action is five years, anywhere else in the UK is six years. The clock runs from the last time you made a payment unless since then you sent them some kind of letter or email in some way acknowledging that you owe them any money in which case the clock runs from the date of that communication.
  14. OK Bank Fodder, I will start the new thread and add the detail provided by Npower and see where it takes us. At the present time I have had no further debt collection activity and I have checked my credit file and there is no adverse mention.
  15. 09 Debt Collection Agency Data: 8 PDF documents from Engage, Face2Face and Wescot being internal reportings of their contact attempts. 10 Credit Assessment Data: 4 PDF documents, 2 meaningless/blank one providing definition of abbreviations and the other seems to be their assessment of my credit of the sort that they would post/send to a CRA. 11 Call Recordings: 11 MP3 files. I have listened to the first one and it is good quality, being an attempt to call me on my phone and getting a vice message. That is it. I can provide more detail for any of the contents above.
  16. 09 Hello All, I had to wait for the password for the USB stick but have now had a chance to review what they sent and the USB stick contains 11 folders as follows: 01 Account Data and Abbreviations key: A single sheet of my details and meter number and another sheet with a-z of the abbreviations used in their system. 02 Customer Account Records: A PDF of some 27 pages which is the printout of their Customer care system. 03 Customer Complaint Records: 2 documents, one is my complaint and the other is their interpretation of the complaint and its resolution. 04 Correspondence: shows 17 PDF letters from them and two communications from me to them (email and webchat) 05 Webchat Contacts: one document showing the single webchat I had with them. 06 Bills: 7 PDF bills 07 Account Reassessment & Marketing Consent Data: 6 PDF documents being screenshots of their system. 08 On-Line Customer Account Record: A single PDF being a screenshot of my usage of their On-line account management system.
  17. We moved to Metrobank. good choice except for the lack of branches unless you are in London. If you need cash deposits you can do it via Post Offices using your Metrobank card and account.
  18. Hi fkofilee Thanks for the comment. Had no thought of our legal action giving rise to the notice but it does of course make sense. I am not trying to hijack this post with my own story by the way but wanted to offer my experience to the OP and I am not seeking any advice about this on CAG, but if you think it worthwhile then maybe I should create my own thread. I think my experience does reveal a pattern that is that the account is likely to be restored after the 10 working days, and I think it is none the less a good idea to get another bank account going.
  19. Thanks Bankfodder. I received a SAR pack once before from a bank and did exactly what you are suggesting so will do the same again. Will post back as soon as I have got it all straight
  20. Hello First of all please tell your family member that they are a worthy human being. Also, it is not against the law, or immoral to have debts, or for money matters to get out of control. It should not be allowed to get in the way of the important task of enjoying life and the few days that we have here. Also (IMPORTANT), they should not let a bunch of crummy debt collection agencies who have no real power damage their well being or mental health. The real immorality is that the original lenders, for the most part, created money out of thin air on the hard disks of their computer systems and encouraged your family member to get more and more into debt. It is part of their business model. Another part of their business model is that they expect a proportion of those debts to fail and their back up plan is to sell those failing debts to a debt buyer/debt collection agency for a few pence in the pound and write off the rest against the tax they would otherwise pay. Having invented the money in the first place they have made a profit from the increasing interest and fees then got the full amount of the "loss" back, leaving your family member in misery. The good news is that even though it seems like a lot of money, for the most part, it will be possible to shed most of it. The most important debt is the CCJ as that potentially allows High Court Enforcement Officers (Bailiffs) to pursue the debt and that can cause problems to sensitive or vulnerable people. Be aware that a Debt Collector Company is not a Bailiff and has no power over your relative or anybody else. For example, if Bob lends some money to Bill who won't pay it back he can ask for Bill to pay it back by phone or letter. If he refuses then Bob can ask Jack to ask Bill to pay it back by phone or letter. If Bill refuses to pay Jack or even speak to him or write to him then there is nothing Jack can do. In this case, Bob is the bank, Jack is the Debt Collection Agency and Bill is your relative. The Debt Collection Companies however official or intimidating they may seem actually have exactly the same power and status as Jack, which is to say none. However, if the Bank (or Bob) goes to Court and gets a County Court Judgement(CCJ) then that can potentially be chased by a Bailiff and could cause a problem. With regard to the suggestion of Bankruptcy, I think you do not need to go near it. Why would you pay out your good money to make yourself bankrupt? If any of the creditors want to take that action let them spend the many hundreds of pounds it will take and then share the pittance of your relative's resources with all the other creditors. They will talk of bankruptcy but never do it, don't do it for them! What you now need is an Action Plan so I suggest the following as a starting point: 1. Make sure your relative does not destroy any more correspondence but instead forwards it to you. If they don't want to read it then no matter, you read it and handle it for them. 2. For each of the bills create a folder (2 x pack of 10 from WH Smith, 12 debts so 8 left over!). 3. As correspondence arrives file it and keep it in date order in each file. 4. For each of the debts create a spreadsheet (actually one spreadsheet with 12 tabs if you know how) and have a column for the Date and then a description of what arrived). E.G. chasing letter, offer letter, Solicitors letter, Solicitors Letter Before Action and so on. Identify what kind of correspondence it is so you can decide if it is important and needs dealing with. 5. An important consideration here is when the Debts were last acknowledged. By this I mean when did your relative last accept that the money was owed either by paying a bill towards the debt or possibly writing to discuss the debt or maybe filling in a form supplied by one of the creditors. This is because the law says that if no legal action has been taken after a period of six years (five in Scotland) then no legal action can be taken at all. This is known as the Statute of Limitations. It is possible some of these debts are over six years old and if you can prove that by reference to when the last bill was paid for example then some of the debts can be discarded straight away. At the time of writing any debt that was not paid or otherwise acknowledged prior to 6th March 2013 (2014 if you are in Scotland) is unenforceable. 6. This next bit may be controversial and may be challenged by other CAGERS but my strategy moving on would be to open each piece of correspondence to identify what kind of letter it is. For the most part, they will either be threat letters or offer letters and can safely be ignored and safely filed just in case. I would never speak to a debt collector and I would never write to a Debt Collector either by mail or email in response to these types of letters. I would not communicate AT ALL. Let them keep sending them, and you keep filing them. As long as they are doing that then they are achieving nothing. I have files of these letters from my own creditors and I have a collection which I sometimes show to people with the same pride as others show their stamp collections!! This worked for me across about 15 accounts of mine and others till they all went Statutory barred. (Only one account went for Legal Action and with the great help of CAG they had to withdraw their case before it got to Court because they had no documentation that could prove to the court that they were entitled to the debt. Even had they produced it then it would be possible to challenge it on technical grounds. 7. If a letter comes that is threatening Court Action commonly called a Letter Before Action or something similar that may have to be treated differently. This letter can only come from either the original lender or the business that bought the debt. In that case come back onto the thread and advise the group what the letter is and you will likely get advice about what to do next. (As a general rule come onto the Thread whenever you receive any letter so it can be identified for what it is, until you get the hang of it). 8. As the Scottish Power debt is for another address there is no danger of a warrant for disconnection being applied for at the current address. However, if your relative has Scottish Power in their current address it may be wise to switch to another provider just in case they try something like attaching the old debt to the new debt. 9. However, the CCJ is a potentially important problem and has to be dealt with. Try and find out what it is for and get a copy of the original judgement. It may not have been enforced (which means the creditor may not have asked the Court or a Bailiff to chase it) but if they do it will become uncomfortable for your relative. Get on top of that quickly. Steps 1-9 are I think a good starting point. You should come back onto this thread with details of any further letters that arrive as soon as you have them so that CAGers can advise you as to how serious they are and what steps may be necessary. In summary remember, it is not a crime or immoral to be in debt, probably 80-90% of the correspondence, and most if not all of the debt can eventually be discarded and should be done without shame or remorse. It is the task of the Creditor to prove they owe it by legal means and their worry, not the worry of your relative. Once you start taking the steps above it will come under control and recede as a threat. Good Luck! Although I am experienced I am not an expert in all things and I invite other CAGers to comment on my post and chip in.
  21. Hello Sorry to read of your troubles. We had a problem with Barclays over the Christmas period in our business account and it is a sorry tale and not good news for you. We frequently deposit cash sums into our account and have done since we opened it about 4 years ago. In the week before Christmas we did so and Barclays froze our account and all the others by applying a £500K "overdraft" on all of the accounts so that we could not take money out. I spent a fruitless day in branch and on the phone to no avail. I was in real trouble as we needed to pay our staff for Christmas and had no money with which to do it. Barclays staff had no idea, or at least if they did they were not telling us. We went to court and tried to get an injunction to get our money back or for them to give a reason why our account was frozen. The court expedited the hearing but Barclays did not turn up due to service issues so the court postponed the case. 10 working days after the freeze the account was restored but a few days later we were given 60 days notice and have now moved to Metrobank. They offered no explanation except for push button letters and did not even refund the charges they made for bouncing direct debits even though we had frozen funds. Here is what I think happened and what I think is happening to you. Day one: They suspected or feared that the deposit was due to money laundering. If they have a suspicion (or one of their staff has a suspicion of) money laundering then if they do not report it to the National Crime Agency they can be prosecuted for assisting in money laundering. Therefore, having themselves come to a suspicion they reported the transaction and froze the account. By doing so the law allows them to claim immunity against prosecution for assisting money laundering. In other words, they covered their asses! From this point on, they did not give any meaningful information because if they were to advise us that they suspected us of money laundering and had notified the National Crime Agency then they would be at risk of prosecution for tipping us off! by not speaking to us they once again covered their asses! The NCA will review the report and if they have not communicated to Barclays that they are interested in the report after 10 working days then Barclays will assume that all is well and restore the account and this is what happened to us at Day 10, as far as I can tell, almost to the hour. This is what will likely happen to you. If you look at the date/time of your bank freeze and add ten WORKING days that is the day you will get your account back and until that time you will get nothing from Barclays no explanation before, during or after the event. Total Madness. Likely they will follow up with notice to close your account. why? to cover their asses!! Notice in my explanation that everything was about covering their asses and your ass does not matter! My advice to you is not to wait but to open another account. I can strongly recommend Starling Bank for both personal and business accounts. (We went Metro because both directors in our business need access and Starling currently only allows one person to access an account as they are mobile phone based, but brilliant with Mastercard for payments and full deposit facilities at any Post Office). Get rid of Barclays. Notwithstanding they think you may be a risk to them they are a definite risk to you and all other Barclays Account holders and have demonstrated it already.
  22. Hello All Last Friday I received a letter from NPower to say they were sending my data and including a USB stick with the data. The letter also had a password for the stick. I have had a post office card through the door so presume I need to go and collect the parcel as I am not expecting anything else. Presuming I am soon to get the data what would you like me to look out for and what is the next move?
  23. I have received a reply to my SAR request. they say they are processing it and I was not asked for any futher identification and they did not seem to be offering any obstructions to it.
  24. OK, sorry for the delay in the response but here we go with a summary of the events with backing evidence as best as I can put it together, probably very boring for most readers but........ 1. I occupied the property on 15th September 2017 and notified Npower of who I was. 2. A number of letters arrived or were already in the mailbox referring first of all to a previous named occupant, also seeking payment for another address that was associated with this named occupant and finally just to the "Occ. The Occupier. Account numbers were XXXXXXXX41, and XXXXXXXX35. 3. Following my arrival further letters arrived advising "Occ. The Occupier with new account XXXXXXXX98 that they would help the account switch smoothly. 4. I quickly switched to Iresa for both fuels and had confirmation emails from them dated 28th September to that effect. 5. On 3rd October I was advised by Iresa that Npower had objected to electricity being moved and a further email on 4th saying the objection had been upheld by Npower. I contacted Npower by phone and they advised that they would not object and to tell Iresa to apply again. I did this by email to Iresa on the same day. 6. Beginning of October I received a letter in my own name from Npower with account number XXXXXXXX16, finally my own account number advising me that they would help my switch go smoothly. I had two identical letters dated 3rd and another on 5th. Also on 5th was a letter to the "Occ. The Occupier account number XXXXXXXX98 advising him that they were closing the Gas account. Also on 5th October I was advised officially of my Deemed Contract with account XXXXXXXX16. 5. 12th October I got another letter advising me that my switch would go smoothly. 6. On 16th October my first Direct Debit was taken for the full amount of both fuels as expected. 7. 30th October I got an Npower electricity bill which I presumed to be the final one and paid it 14th November. 8. I heard nothing more from Npower until February 2018 when I got a big batch of correspondence in one envelope including and (undated letter) saying there was a delay in sending the final bill, there was multiple bills in my own account number. A separate letter dated 12th February apologised for a system issue delaying their bills. I received 2 x bills in my own name, one for £79 and the other for £340 and another for “Occ the Occupier” for £48 all dated 27th Feb, this last one saying “Your amended final electricity bill”. 9. 15th march asked to pay an outstanding £16.05 gas bill!! and a reminder to pay an outstanding £324!! 10. I received reminders all of which I ignored until threatened by Court action. 11. I sent a letter of complaint by email 11th April. By mid May Npower had responded and they said they were still billing me because Iresa had not asked for the transfer of the electricity to be done. All this time I was routinely paying Iresa (provable). Therefore according to Npower I was still responsible for the electricity to them and would be required to pay (at top dollar of course). 12. I sent them some meter readings and got some more bills and I also started paying them at about £112 per month. Continued to get threatening letters and Field visit letters. 13. In the mean time I asked Iresa to transfer the electricity over and by email they advised this would be done 23rd May, Npower assuring me there would be no objection. 14. I further checked with Iresa and got a message saying they closed the ticket 30th June. I presumed that meant the switch had gone OK. On 27th July Iresa advised by email that they would stop trading. 15. The Npower bills continued to come in and escalated. I stopped paying. 16. Got Wescot chasing it in December and Field visit letters and visits (I was out in January)
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