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Found 7 results

  1. in a few days time we will no longer be entitled to mortgage interest payments, instead what the DWP was paying in mortgage interest payments will continue to be paid however like a load of other people we will have to pay this back with interest, and on top of that our property will be subjected to a charging order. our mortgage interest payment does not even reach £150 every 4 weeks. yet we get stuffed for having our own house, by the way i was in full time employment until health deteriorated and could no longer work. my question is ...how come we have to pay the interest payment back with interest when there are lots more people on benifits who have larger rents that get paid and they dont have to pay that back. seems like those who where working and doing their best and have their own homes gets penilised for having it.
  2. Hi everyone, this is my first ever post here so please please be gentle So this is on behalf of my mother and the timeline is as follows: In March this year 2016 mother received a letter from EDF addressed to HOMEOWNER/OCCUPIER apologising for the gas supply being incorrectly transferred to them, and that they were working to transfer this back asap. Mother contacted EDF who assured her that this is an error and that it happens regularly. At this point my mother rang SSE (our current supplier) to ask what was going on. They assured us that there was nothing to worry about and that this was being dealt with. Later in March we had a following letter from EDF again addressed to OWNER/OCCUPIER again apologising for the mistake. The letter stated EDF were not charging us for gas used, the chosen supplier would. A further call was made to SSE who verbally said there would be NO PENALTY and that there would be no interruption to the gas supply. Mother asked for this to be confirmed in writing. End of March - Mother has a letter from SSE - the current energy supplier, apologising and confirming another supplier had erroneously taken over the gas supply of the house at the end of August 2015!!!! SSE wrote that EDF have acknowledged the mistake and returned the supply back to SSE. SSE also stated for the period of time (August 2015 to March 2016) EDF will not be charging us for the gas used. There was no written comment on the letter, regarding the verbal statement on the telephone previously stating there would be NO PENALTY. SSE also wrote that they will continue to bill us from the last meter reading they took as if the supply never left and requested an up to date meter reading. The letter also made us aware that there were no direct debits paid since August 2015 and therefore a meter reading should be provided to enable SSE to adjust the direct debit accordingly. 12th April, we telephoned SSE to speak to the agent who wrote the letter to us. The nature of our complaint was that the letter seemed to contradict the previous verbal conversation where we were told that there would be NO PENALTY. The agent said she would have to seek advice from her manager as we were raised a concern that the content of the letter seems to contradict the previous agents verbal statement (no penalty). An up to date meter reading was also given at this time. Words to the effect of "the account for the gas was cancelled in August 2015" were used and therefore we were refunded approximately £80.00 for cancellation. We were then passed to a complaints advisor/manager who worked out the difference in the meter readings and less the standing charges, the total outstanding was nearly £480.00!!!! I verbally raised objections on the basis that: This series of mistakes was not of our doing. We had notified SSE of the errors as soon as we could act, upon hearing from EDF. That the account for the GAS had been cancelled, therefore if there is no account, how can there be a bill? Mother was NEVER notified of any of this by SSE until we chased and highlighted the issue ourselves. A Direct Debit is the responsibility of the company, not the customer. The complaints advisor had us on a very lengthy hold, then came back to offer a £300 deduction from the outstanding amount they calculated leaving approximate £180 they wish my mother to pay. Today we have had a letter from the complaints manager regarding the erroneous transfer, again apologising for the upset and inconvenience. It details industry regulations regarding the Erroneous transfer processes and again asking for the approximate amount of £180 with payment method to be discussed. Can anyone offer any advice to my mother who is a pensioner, and myself regarding this horrible episode? We do not feel we are liable for any outstanding money on the gas supply as this was all done without our knowledge or consent and we made no applications to change supplier at all. Are we liable and do we owe any of the money detailed above? Is it worth raising a further complaint regarding this, and to whom? We really are not 100% sure where we stand, only that we are not in the wrong for this issue. Many thanks, S.B.
  3. Hi everybody, this is incredibly urgent and i'm getting no help from AQUA, I got a Credit Card from them a month ago, and i transferred £800 over not realizing you're not really suppose to, and after some research some peoples accounts have been locked because of this. Now I have no money at all to feed myself or even get to work!! and they're saying my card is being held in a queue to be reviewed at "Head Office" and they're acting as if this isn't a problem for me. It was transfered from a bank account in my name, it's so stupid. Has anyone got a number for there "Head office"?? I'm so desperate for some help please!
  4. hi list My wife has lost her job, she was self employed. After running out of cash she missed several payments to Halifax credit services. I found out about payment plans etc. My wife phone up the Halifax, made a request to freeze the interest, she stated that she did not have an income. I spoke to Halifax, and offered them £10 per month until such time that our joint finances improved, currently I am the only bread winner and I am making all mortgage payments, buying food etc. After two months of paying £10 per month, we have received a letter stating 'As we haven't been able to agree a suitable repayment plan we've transfered your HALFIAX debt to debt collection agency. I have phoned up the Halifax on 11/12/2012 and asked them what is going on. They claim to have sent a credit default notice 3 months ago which they cliam allows them to do this. I have pointed out that we reached a payment plan with them, this payment plan has been honored by myself. The Hailfax called back today and said that the messages was unclear offered me £30 because of the 'inconvenience' of their answers and that they had not made themselves clear. I have asked them to explain themselves in writing. 1. Are they allowed to do this type of thing after accepting a payment plan? I have not defaulted on it. 2. I wonder why they have offered me £30 if they are so innoccent ? 3. What options are available to me? My wife did not choose to loose her job, its problem of being self employed. I am hard pressed to make my own payments otherwise I would have offered them more.
  5. Hello everyone, We had a firm that owed our firm money. We took it to court, won and got Judgement. We transferred the CCJ to the High Court so that we could use High court enforcement officers. This failed in that the slippery debtor knew the ropes and hid their assets. We are now aware that a company we know is about to pay them in relation to some cash they owe them We would like to obtain a 3rd party debt order from the court, but the question is: Do we inform the Bailiff office what we are needing to do? because its now a High court writ? , or, does the CCJ still "exist" 24 months later since obtaining judgement, and do we fill in the correct forms at the court and request a judge issues the 3rd party order? As so long has passed since the bailiffs dealt with it, about 2 years, do we just carry on? Seems like it could slow things down if we notify them... Many thanks for any advice...
  6. I got two letters from a debt company yesterday saying that I owe money for unpaid council tax. Not likely as it's the one thing I always make sure is paid, so I rung up the council and asked them to explain it. They said it was unpaid for the periods of 2003/04 to 2005/06. I pointed out to them that I didn't even live in this area during those periods. They said my partner hadn't paid the council tax and that because we now lived togeather we were both liable for it! Can they even do that? The debt letters were addressed to me not my partner, I didn't even live with her (or know her during this time when the debt was created) and yet now I am half liable?
  7. Hello, I am hoping someone can give me some advice. I have a £10,000 debt with MBNA which resulted in me going to court and a charge being placed against my house. Basically I pay a set amount each month, but if I sell my house they get paid the full amount. The only problem with this is my house is in negative equity to the tune of around £30,000 Due to a serious operation it looks like I may be dismissed on capability ground as Occupation Health feel I am no longer able to do my job and due to cutbacks there is nowhere else to place me. My debt with MBNA is managed by Optima Legal who have said they will only accept offers of 85% of the debt. If I can offer less they have said they will put it through to the 'client'. I have spoke to MBNA who have said that it is Optima who make the decision. Prior to the debt going to Optima MBNA offered me a settlement figure of £2800 which I didn't have at the time. I'm trying to do the right thing by sorting out a settlement figure now - before I lose my job as I am pretty sure once that happens the amount I will be able to pay them will drop to literally a couple of pounds a month. Has anyone any thoughts or experience of what figure MBNA would be likely to accept? Thank you for reading this far. Hx
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