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Gruffle Gaw

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Everything posted by Gruffle Gaw

  1. They seem to have a habit of chasing people for debts the individuals in question have never heard of. As I said, debt issues are not my forte but hopefully someone else will be able to tell you how you can go about getting your money back.
  2. You won't see it again unless you sue their crooked asses. If you are certain the debt isn't yours, this could also possibly be a criminal offence (obtaining money with deception?). If you were still paying off the debt you could ask to see an original signed copy of the credit agreement and they would be obliged by law to provide you with them. I am not sure if you can do it in retrospect - someone who is better on debt might know more about it. If they could not provide one, or it was not properly completed, the debt would be unenforceable. My thought process is that if you can demonstrate they took money from you that you did not owe under the pretense that the debt was yours you may be able to sue them, but I'm not sure under which section of the law. Hopefully someone else can shed more light on this.
  3. Good idea - I'd certainly welcome a dedicated forum considering the problems I'm having with NPower.
  4. It's too late to get the bank to reverse it, then. Convincing Paypal to refund your money is your only hope. I sympathise with you deeply but quite honestly I think there's little chance of you getting your money back.
  5. Oh, and barracad is more or less right - while they can (I am told by the CAB) theoretically cut you off this is highly unlikely. They will be more likely to exert pressure on you to have a pre-payment meter fitted. You want to avoid this at all costs because a) they will take around 1/3 of the money you put into it off the arrears before you have even begun to pay for the electricity and you can probably negotiate much less with a payment plan and b) they will charge you MORE per unit. It's appalling that they extort more money for an essential commodity from the poorest and most vulnerable in our society, but hey, that's capitalism for you.
  6. I'm just recovering from the same situation (well, I didn't owe quite as much) with NPower, whose customer service is the worst I've ever encountered. I suggest you go and see the Citizens Advice Bureau about this - they will work out a payment plan based on your income and the electricity company are more or less obliged to accept it if the CAB have drawn it up based on your budget. Given that it has risen so steeply, I would also suggest you take a meter reading and find out what your actual bill is. It is not acceptable for them to pluck numbers out of thin air and demand you make extortionate payments based on their "estimates". Finally, when you speak to the CAB ask them to demand that someone comes round to check your meter is working properly. It could be that the meter is faulty. However, I wouldn't hold out much hope for the above. Fuel costs have skyrocketed lately - I am currently paying around £100 a month for my usage in a one-bedroom flat. I live alone, am out at work all day, have my hot water turned off all the time (aside from the shower, which runs seperately) and only have the heater on in one room. In my case, NPower are refusing to send someone round to check the meter unless I take seven days worth of readings, and even then say I will be liable to pay the call-out cost if it transpires my meter is working fine. Since you can't switch suppliers while you owe them money, it basically amounts to extortion. I have contacted the industry watchdog energywatch about this and suggest you do the same. This is the problem with privatising essential commodities - I blame Margaret Thatcher.
  7. Unbelievable. Who the hell do they think they are? Their customer base has permanently gone down by one, and I'll be shaving my legs with shower gel from now on.
  8. You might also want to take a look at the Harassment Act 1997 and article 8 of the Human Rights Act (right to privacy) as well as cases pertaining to Breach of Confidence. Googling these should produce some helpful information.
  9. With regard to your orginal question, though, I think it would be better to ask for your money back in writing. Keep a copy and proof of postage (you can get a free certificate of postage from the post office, and a judge will accept this as evidence that the letter was received). If you go down in person they can say what they like and you have no way of proving it, should you later need to. This way, you will have the evidence to back up your claim if you ultimately have to sue them to get your money back.
  10. Speaking as a member of the local press, you might want to check if they are interested in running the story before you promise their involvement in the matter. They are under no obligation to supply a photographer just because you want them to and you will look silly if you say that and they don't want to do the story.
  11. I would do the former, just to prevent anyone mistakenly assuming you haven't filled that section in, or write 'see attached sheet' in that box. Make sure you fasten them securely together.
  12. My advice would be not to accept a penny less than they took from you. They will bluster, threaten and stall but you will get all your money in the end if you don't cave in.
  13. In your letter, did you also specifically say you would only accept the money they were offering as a partial refund and that you would continue to pursue them for the rest of the money, through the county court if necessary?
  14. True, but having claimed back nearly two grand from these muppets I now hum their 'who gives you extra' tune with pleasure every time I pass one of their branches.
  15. Are you also saying that they didn't refund the charges you initially claimed back in full? If so, did you sign a form that said you would accept the payment of £815 in full? (The member of staff telling you it's settled in full is irrelevant; it's whether you've agreed to this that matters.) If you have, I'm afraid you can't claim back any more in relation to that set of charges, though you can still go after them for the new ones they have imposed since. If you didn't sign any such thing, Write to them saying you are pleased they have given you a partial refund but you will continue to pursue them for the remainder of the charges, then get on with the MCOL. What stage of the process did you get to before they issued this refund?
  16. As far as this new set of charges they have added onto your account is concerned, yes, you can claim them back. This is a fresh instance of unlawful behaviour and you can, and in my opinion certainly should, start fresh proceedings. Look on the bright side - it will be much easier now you are familiar with the process.
  17. I'd initially try going into a branch to see if they can locate the account number - if not, send them the SAR anyway with a list of all the addresses you had while you held that account.
  18. Hi mate, I had the same situation with Barclays and eventually managed to get a list of charges from them anyway, though it was an uphill struggle. Write to them using the usual template, and list all your previous addresses, your date of birth, etc. Being able to cross-reference names and addresses with account numbers is a basic function of any database. They'll use any excuse not to give you the information, but keep at them and you'll get it eventually (it took me three letters).
  19. Presumably you used the template in this site's library? If so, it asks for information relating to your complete banking history with the organisation, which should include all your accounts. They have therefore failed to comply with your Data Protection request. You could report them to the Information Commissioner, but getting results this way takes a long time. Court is a better route. There are some excellent templates about this here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html With regard to starting your claim without knowing all the charges, you need to tread carefully because when you get your charges refunded from them you will have to fill in a form which says something like 'in full and final settlement of all claims against Halifax'. Doing so will stop you making any more claims. Therefore my advice is to wait until they have supplied a complete list of charges, annoying as this is. Just keep hammering away at it and you will eventually get your money. Don't let the bar stewards grind you down!
  20. Hi, When you fill out the court claim form, say your claim relates to two accounts with Halifax and you are claiming £x in relation to one and £x in relation to the other. When you fill in the breakdown of charges spreadsheet (template available on this site) there is a section for description. I suggest you put something like 'Halifax account number 12345 - charges as notified' for the first lot and 'Halifax account number 54321 - charges as notified' for the second lot.
  21. Well done for recording the call - looks like you're one step ahead of us. Keep us posted.
  22. Good point. I'd suggest buying a telephone call recording device (about £10 from Maplins) and having a friend call you and record this message as soon as possible.
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