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Everything posted by aesmith

  1. You should get a letter from DVLA confirming you are no longer the keeper.
  2. Now on my third attempt to switch. Bear in mind that Symbio's policy of billing advance for an excessive estimated usage makes the concept of a "debt" far from clear. However to my mind if the agreed Direct Debit payment has been taken then the account is satisfied, and since in my case the DD comes off around 14-16 days after the bill is issues there are never grounds to claim anything overdue by 28 days. So back to my story .. (1) First attempt to switch - received an objection email from Symbio on 18th January confirming they have blocked the switch citing "Outstanding balan
  3. This company is bonkers. In response to the stupid November bill I raised a complaint. As usual I had an ill judged initial reply. However after I responded to that, they came back offering a fixed Direct Debit - but they've set the DD figure not just lower than their over inflated November bill, but actually lower than I think the real bill should be. Essentially this has just kicked the can down the road for a bit, but if I decide to jump ship then hopefully it will mean we're not in dispute at the time of the change over, and not owed too much money either. Problem is, they'
  4. I could kick myself for staying with them. After behaving themselves from July to October, they're now back to their old tricks with a November bill over inflated by something like 40%. Just checking for the best price with a view to ditching them right now. It will be around £10/month more expensive, but I guess money isn't everything.
  5. They've actually been behaving themselves for me, recently. I'm re-signed with them on a variable tariff, meaning not tied in and can leave any time if they get up to their old tricks. However something I noticed was that when accepting the tariff they actually showed in advance how they expected that annual total to be split into the 12 months.
  6. IN my opinion please guilty and ask to be sentenced at the Fixed Penalty equivalent, in line with the guidelines ...
  7. Thanks. As it happened they simply didn't take the July payment even though they said they were going to. However the August bill and estimate was perfectly fine, I've decided to give them the benefit of the doubt in the meantime. They are still the cheapest supplier that I've found so I don't see the point in switching just because they've annoyed me in the past. However once the current tariff ends I'm going to make sure I'm on an open ended deal with no cancellation change so I can jump ship immediately f they play up again. By the way them goi
  8. Looks like we might have reached a resolution here. The July bill has just come in and it's based on a reasonable estimate for their advance billing. Well not too unreasonable. It's higher than our actual in June, but then again it's well below EAC/12. So on that basis I've offered to settle this bill and the two that unpaid months, bringing the account up to date. It's just a matter of agreeing manual payment vs direct debit or what.
  9. Contract runs until mid September with a £25 penalty for early exit. I seem to remember somewhere that they're not allowed to penalise for transferring within the last 30 days or the contract. Or something like that. Can anyone confirm?
  10. Thanks for the comments. Yes I'm providing meter readings. There was a bit of confusion earlier as they used to bill from the 2nd of each month to the 1st of the next, so ideal meter reading was on the first. They then changed to billing from 1st of the month, so ideal readings need to be from the last day. However the meter reading doesn't affect the estimate for the following month. They're billing in advance so the amount billed is always an estimate. So my current situation is that after several months of complaining about excessive estimates I mutinied, cancell
  11. Hi, I'm surprised there isn't already a thread on this outfit. The way they work is that they bill for electricity in advance, using their "estimate" for that month's use. If you provide a meter reading at the end of the month, then the next bill contains a correction for any over or under charge. So for example the May bill includes charges for 31 days standing charge, and for an "estimated" number of units for May, but also includes a calulation for the previous month comparing estimated and actual use, and applying a credit or presumably a debit as app
  12. Just to make up for maybe treading on CAG's toes with my initial post, if anyone signs up for Smarty using the link below then both they and I will get a free month (the new member pays for a month and gets the second free). I'll donate any saving that I get to CAG Mods - if this is out of line then please feel free to delete my post.
  13. Smarty is similar, month by month plans with no tie-in. No credit check either. Smarty runs over 3, Giff Gaff uses O2 so the choice may come down to coverage in your area. We've been using Smarty in a Mikrotik router as our main home Internet connection for nine months now, it costs less than our ADSL broadband and gives 20meg download instead of 3.5.
  14. If your record with Halifax is good it might still be worth asking if you could take "additional borrowing" (that's what Lloyds called it when we extended our mortgage). That's assuming there's enough equity in the house, and also that your income meets their affordability criteria. When we took additional borrowing we were also allowed to take it on a longer term than the existing mortgage.
  15. To be honest I don't think it will help with insurance. Although it seems unfair for something that was outside his control I think that even if the accident was due to a proven fault with the car they will still see him as at fault. Regarding repair, write off etc, the car will only be classed as write off of any category if the insurer chooses not to repair but to pay out the value instead. It won't apply if he repairs the car himself dealing with the repairer directly. If the excess is that much it might be a better way.
  16. Some ABS systems work by sensing deceleration of the wheel, meaning they would still work if all four wheels tried to lock up simultaneously. Our car works like that, on slippy wet ice you may have no braking effect at all but the wheels do not lock up. To be honest I thought they all worked like that, but if some work only be comparing speeds then yes they will be fooled by all sorts of conditions.
  17. Just thinking about this from another angle, if I understand this correctly this loan is the only one you have secured on the house. If that's correct then £35K is quite small by mortgage standards. Could you take out a more conventional mortgage at a sensible interest rate, and pay this loan off? Or are you tied in for the term? Even if there were early repayment penalties it might still be worthwhile given the high interest rate mentioned earlier.
  18. I think it's worth double checking the addresses on the car's registration document, and on driving licence. Just in case there's some reason which mail might not have reached you. Have you been sent any copies of prior correspondence, and if so was the name and address all in order?
  19. Just another point of view here, especially as your friend doesn't seem to be prepared to do a lot for himself. If the bank repossesses and sell, your friend is going to end up with something like 3/4 million in cash, in addition to all his other properties. That's quite a lot of wealth by many peoples' standards, although I understand that your friend may have higher expectations.
  20. Are you assuming there is photographic evidence, or has it been mentioned somewhere? I ask because it would be perfectly possible to be charged and in fact convicted without any sort of photograph or video, for example if the allegation was backed up by witness statements.
  21. Are you the registered keeper, shown on the registration document (V5C)? If so then you're required to keep the car taxed and insured unless it's both declared SORN and kept off the public road. If the finance house is the registered keeper, it's their problem.
  22. aesmith

    Vehicle not SORN

    Surely that's not correct, tax (VED) is due whether the car is on the road or not, unless declared SORN. That's been the case for quite a few years well before continuous insurance requirements came into force.
  23. I guess if you included Statute Barred in your defence, and gave some plausible reason why that might be the case, it would be up to the pursuer to show otherwise.
  24. Do you know when you last made payment? Reading the thread I think you said it was at least 8 years ago, then elsewhere maybe you're saying 2009 (which comes to the same thing). Do you now think that you made payments more recently?
  25. Have you got a copy of the court order yet? You probably think I'm banging on about nothing, but IF they have a Suspended Possession Order you need to make sure you are very clear on the conditions because if you don't adhere to them then they can reapply for possession with very little formality. Anyone here know the process to get an SPO eventually lifted, or does it hand over you for the remainder of the mortgage term?
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