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Found 371 results

  1. Hi, I August I went to a local camera shops and brought a Sony camera. In the shop it was advertised at £239, when I went to pay it came up at £279 I asked why this was and was informed that the price advertised was with a £40 cash back that I had to claim back from Sony after 30 days. When the 30 days had passed tried claiming the cash back and the camera was not listed. Spoke to the shop and they are not doing anything about this, sent them a formal complaint saying I was not happy about the service I received and have not heard nothing back. I paid via my credit card. Is there a way or seeing what a web site was displaying a couple of months ago, to see if they had the camera advertised then with the wrong information. Thanks JJ
  2. Hi all, I started a previous thread to share my general issues, but am posting in this section for specific advise relating to First Direct. Previous forum address here if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?458839-Low-income-6-year-old-debts-and-worrying-about-the-possibility-of-future-court-action I had an account with an overdraft, credit card and loan with First Direct (all pre Apr 2007). I defaulted on payments for the credit card and loan back in 2009, at which point, they closed my account, merging the credit card and overdraft together as one debt, and the remaining loan as another. Since the default in 2009, I have been making token £1 monthly payments to Metropolitan Collection Services; I have since moved house a few times and hence had no contact with them. Aiming to sort things out once and for all, I joined this site, and under some much appreciated advice, sent out a CCA request to Metropolitan last week. First Direct have responded, sending back my CCA letter (but keeping the postal order???), saying: The letter is not signed (didn't think I needed to) - they want me to provide a specimen signature My current address does not match their records (it wouldn't as I have moved, but my credit file address is up-to-date) - they want me to provide the old address to match their records. From this, I gather that FD still own the debt as Metropolitan did not write to me. As mentioned, my credit file is up to date with all addresses. Does anyone have any advice on how I should proceed? Are they trying to delay and does the time limit of 12+2 days still apply? Or, are they valid in their requests? Any help much appreciated Thanks AM
  3. I bouight a car from a private add in autotrader . I carried out an RAC hpi check and there were no issues. now a finance company (credit plus) claim its theirs and are taking me to court.
  4. Hi all, Thanks to anyone who would mind taking the time to read this and advise me if possible. I received a 2 fines from the magistrates court. 1 for no tv license (fair enough) and one for driving without insurance (although the car wasn't been driven it was just parked on my street as it was broken down and id transferred my insurance onto a new vehicle. Taxed to be on the road but didn't realise it had to be insured as well, my bad but I guess that's by the by). In the midst of this I was granted a debt relief order and was granted £300 by the official receiver to cover the TV license fine (strange as that fine was for £200) but left the insurance fine outstanding. initially as I wasn't working deductions were been made from my benefits. When I returned to work in January 2017 this stopped I didn't make any payments as id lost my paperwork and expected to hear from them regarding payments and thought id pick it up from there. In the meantime I got myself another fine. ( I know, I know but it was cheaper to be found guilty and pay £400 than pay a solicitor to find me not guilty) I began making payments for this fine immediately. In mid May I received a letter from the South Yorkshire Enforcement unit giving me one reference number to cover all my fines. It showed the amount i'd paid and the balance. (though there was no reference to the £300 that the insolvency officer had written off under the DRO). Again I continued making payments and have regularly paid £50 a month every since. In total since April I have paid £560 towards the fines. Then I received a letter from collectica. A notice of enforcement. Showing the correct balance of £883.50 but they have also added on £75 for god knows what. I rang them and explained to the guy who answered that I had made regular payments to my fines and had been doing since April. I asked if I could continue making payments at the amount I had been - £50.00. This was a big no no. He wanted half the money up front before agreeing to a payment plan. I explained to him that I had just been discharged from my DRO and that I was very careful with my budgeting. I tried to explain to him that by paying him more that I could afford the money would have to come from another pot i'd be sorting one problem and creating another. He told me his was a priority debt, I explained I have no other debt anymore and that this was the only one outstanding my payment history should clearly show that I am trying my best to clear it. We went back and forth for about half an hour. I stood my ground. I refused to pay anymore than I could afford, explained that i'm certainly no sat with a 50" T.V on my wall and that if they come to my house the only thing they will find of value is my sons PS4 which is about 3 years old. (and my car which my mum bought me for work, now been parked out of the way of my house. His final offer was of an initial payment of £280 and a payment plan. Otherwise I would be charged for bailiffs attendance and get more fees, worst case scenario been arrested. I told him at this point id welcome a change to plead my case in court. Although I suspect they would rather just add more fees onto the debt that I have been trying to clear. I told him this was the most insane act of bullying ever. They can clearly say I have been making regular and timely payments directly to the court, now they want to eliminate all that money I've struggled to pay by sticking it back on in fees meaning that it will take me even longer to pay. How the hell is that even I thing?!!!! I told him I may as well have kept all the money I paid so that when they wanted an initial payment I could have made it. This makes absolutely no sense to me. I have worked my ass off to get out of debt and despite paying on time they are determined to land me back in it. I got off the phone and resolved nothing. He told me I have another few days to agree to his terms before a bailiff will call at my house (he'll be very disappointed by the nothing of value that I have ) its hassle I just don't need. I got off the phone and made my due payment of £50 but again to the courts not to collectica. Does anyone have any advise for me please? This is infuriating for me that they can see I am not ignoring the fines I am paying each month yet they seen hell bent on making the debt larger. Also can anyone advise what to do regarding the £300 the DRO shows they have allowed towards these fines that is not showing on the letter I received from the courts. Many Thanks
  5. Hi guys, I've requested a copy of a CCA a while back (all recorded delivery). I sent the £1 postal order, and waited the 12+2 working days for a reply. I never received a reply (after it was tracked - delivered), so I then sent the reminder - 30 days to respond (recorded). That was also ignored and I had no reply, so then I sent the 'Account in Dispute - Section 10 Notice' letter, which ended "I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 30 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint." I have also not received a reply from this (all letter have been recorded delivered). I'm not sure as to the next steps to proceed? Has anyone been in this situation before? Thanks
  6. I purchased a washing machine from Appliancesdirect and it failed to work properly from day1. A few days later I read the Trouble Shooting guide in the handbook. It suggested the fault was a shortage of water getting to the machine. I reported this to AD and their advisors agreed it looked like a faulty installation problem and they would get their carrier to come and check it out. Their carrier, Arrow XL ,did the installation. After many phone calls @13p/minute, and emails, I was informed that Arrow would send someone out the next day to check the machine. This failed to happen and no phone call to advise job was cancelled. After complaining further to AD, and asking that they honour the Consumer Protection Act they still failed to respond. I formally rejected the machine and an advisor informed me they certainly would not uplift it. They now stonewall me. This firm are trading outside consumer laws of this country and there appears no fiscal organisation to tackle them. Trading Standards don't want to know. I seriously advise anyone looking to buy electronic gadgets or Air Con to thoroughly check out their intended supplier first.
  7. I was in a relationship with a man who was both physically and emotionally abusive. He had used my bank account to commit fraud and HSBC held me liable for the debt from the fraud which is £9,566. I managed to find another place to move to and made sure I was virtually untraceable on social media and the internet. I never told the police about the abuse at the time for fear of him being arrested then released and onto me. However I did report the fraud to the police through Action Fraud and they replied a few months later saying that they cannot follow up on it as there is not enough evidence. Now HSBC are harassing me to pay back the debt, I'm a 22 year old student who cannot pay back such a large amount. Although I am terrified of him I tried to locate him so the police can find him yet he is nowhere to be found and I believe now that he had been using a fake identity whilst with me. HSBC have been immensely unhelpful, I have gone back and forth into branches and made numerous phone calls which have all been useless and I cannot take out debt relief management plans or file for bankruptcy because the debt is from fraud. They also filed a CIFAS flag marker against my name so I have to use an online bank now and will not be able to get jobs in many sectors when I finish uni, for 6 years. I opened a case with the Financial Ombudsman which is taking a long time but have been studying hundreds of their decisions on similar cases and they never rule in the favour of the victim/consumer, so I am not confident. What do I do?
  8. Since Mrs Sev was diagnosed with Lewy Bodies Disease, I managed to get all her debt written off by the various DCA's that had been hounding her since her fortunes turned for the worse. It was a long fight and in the end we got there, thanks to this forum it's community and the infinite patience of the likes of dx100uk. I am in the process of going through old paperwork with a view on trying to recover as much as I can for her to help contribute towards her ongoing care. I have found old paperwork for the following: Barclaycard Visa and Mastercard Co-OP Visa Capital One Visa Monsoon / GE Capital Russell & Bromley / GE capital Harvey Nichols / GE capital Frasercard / GE MBNA Mastercard & Visa RBS Visa Mint Mastercard. Natwest Mastercard. The paperwork consists of: some old statements but also some of them have the original fold that the card was delivered in, and some the actual PPI letter. The original signed CCA is not in any of the documents. So, my initial question is this - Should I begin by sending an SAR to each of the creditors or will the proof that I have already be enough? We probably have statements going back as well, but these might not be for the full term going back to when the card was taken out. I may well send SAR to Barclaycard as I am sure that she took out a Barclayloan or two in the past. I'll be honest, the ones I hope most to get something from are GE and MBNA for their relentless harassment in the past. thanks in advance Sev.
  9. Just a quickie folks - am moving back to the UK from Portugal after 9 years away can I check my credit file as per my old address to see what has be recorded against me since I left Nothing major left behind just 5 small debts for utilities and credit accounts etc also a council tax bill for about £430 on a liability order which Im sure will bite me on the ass after return:oops: How should I play my return? Advice appreciated:-) Paul
  10. Hi I'm posting this on behalf of a friend who is at the end of her tether regarding the treatment she is receiving from the local Council. Long story short, she has been placed in temporary accomodation along with her 5 kids aged 2-14, having had to leave the emergency accomodation she was put in after her senile old father threw her and the kids out on the street one night. The house has the bog standard set up of front door, back door from lounge to the garden and a side door. She has only been given keys to the front door meaning she has very difficult access to the garden, but what worries her most is if there was a fire or they had to get out the property quickly the only way out is the front door which wouldn't be much use if that was blocked by a fire. She spoke to a woman at the council this morning who in a nutshell said "oh well we try not to give keys out to the back doors you'll just have to manage and if you had to escape you'd just have to try and get out the window instead"!!!! Surely this can't be right? If she's paying rent to stay in a property surely she has the right to access and exit it through all it doors? Any advice appreciated as they talk to her as though she's some kind of ****** chavvy single Mum which she's far from being. Thanks
  11. Myself and a friend entered into an AST in 2008 with a private landlord where I was the lead tenant. Our deposit was placed with the DPS. Although we had a good relationship with the landlord throughout the tenancy, when we gave notice to quit in 2011 he seemed to take the matter personally and started being very standoffish with us. On our moving out date, the landlord did not attend the property. When we called his phone to find out where he was, it rang with a foreign dial tone and the call was rejected, so he wasn't even in the country and decided to ignore us. We ended up posting the keys back through his letter box and were never properly checked out. Since the landlord had essentially absconded we did a stat dec and sent it off to the DPS to get our deposit back and assumed it would follow. A couple of days before we would have had it, the landlord opposed the stat dec and would not consent to ADR. This left it in limbo and our only remedy was to take court action. We mulled it over at the time and in the end made the stupid decision not to pursue him and put it down to experience. Eventually we got over the matter and I'd not given it any thought for several years. Until today when I moved into a new property which also used DPS and when I checked my account I found two tenancies were shown, and was amazed to find our old deposit from 2008 is still there, now with the status 'suspended pending review'. What is the legal position on this deposit now? Neither us nor the landlord can take civil action against each other as more than 6 years has gone by, but the money is still held with the DPS, and it is our money. Any chance of getting this back after all these years? And if not, what will eventually happen to it?
  12. Hi all back in February last year I had my pre payment meters, both gas and electricity, changed so as I could pay by direct debit as I was struggling with illness and was in and out of hospital so was unable to top up on a regular basis. I gave my account details to setup the direct debits and the meters were changed and I was given the monthly amounts of £18 for electricity and £35 for gas. Roll on to July this year and I received a gas bill for £600 as they had not been taking the direct debit for the gas bud did so for the electric. I truly did not notice that the DD was not being taken as life with hospital was hectic, in fact I did not pay any attention to any DD's as I assumed everything was being paid as I did not received any notifications. I have a complaint in with SSE and I am awaiting their results and findings but was wondering if they can make me pay this large amount as it seems to be that their billing system failed. Regards to all
  13. Hi I recently came in to possession of a photography light, through my works. It was broken so they let me have it. I assumed the repairers my company uses was overly priced without really knowing or trying them first. The problem occurred when I called upon another photographic retailer who also offers repairs. Again assuming it would be cheaper than where I work. Broken photography equipment is something I am familiar with and although my store does not actually fix anything we send it off to our sister company that completes our repairs and is quite well regarded in the industry. Part of our process involves us informing customers there is a charge for the estimate prior to the actual repair. This camera shop I took my light to, neglected to tell me there would be any estimate costs. Optimistically expecting a saving I was shocked to discover the repair was not only pricey but in addition almost 4 times as expensive to have my light inspected to get an estimate. As nothing was mentioned about the estimate cost initially and I have no paper contract. What would you say my consumer rights are?
  14. Name of Claimant: Marlin Europe Limited Date of issue: 02/04/14 What is the claim for? 1. The claimant claims the sum of £2488.72 being monies due from the defendant to the claimant under a regulated agreement between the defendant and CLYDESDALE and assigned to the claimant on 18/10/2006, notice of which has been provided to the defendant. 2. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. 3. The claimant claims the sum of £2488.72 and costs. 4. The Claimant has complied, as far as is n the pre-action conduct practice direction.NumberWhat is the value of the claim? Amount Claimed £2488.72 Court Fees £75.00 Solicitor’s Cost £80.00 Total Amount £2643.72 Has the claimant included section 69 interest? Don’t know (don’t think so) Is the claim for a current account? Yes When did you enter into the original agreement before or after 2007? Before 2007 Has the claim been issued by the original creditor? No Were you aware the account had been assigned? Yes Did you receive a default notice from the original creditor? Yes (Account defaulted 2006, removed in 2012) Have you been receiving statutory notices at least once a year? No Why did you cease payments? Account in dispute over bank charges. Was there a dispute with the original creditor? Yes. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Apologies for formatting, I can't change it Hi,Haven't been on for a while, as I thought that finally my finances were in order and I was debt free until this landed on my doorstep, some 8 years since I had the account. It arrived the morning I was leaving on holiday, so already 3 weeks behind. Any help much appreciated Thanks
  15. Evening Peeps, newbie here. I used to be a member a long time ago and found the info on here very helpful. So thankyou ! I have now got a clean bill of health on my credit score, but still owe debts to various DCA's. My question is - can a DCA still try and issue a CCJ, even after say 8 years of the original default account ( notice of default has been isssued ) - my accounts have ALL dropped of the various CRA's as they all defaulted many years ago ( over six years ago ) - I am still paying them via a DMP. To summarise all debts are over 8 years old now. And I am still paying them. They just dont appear on my Credit Reference Agencies. Are these debts still enforceable in a court of law ? Lets assume than none of the DCA's have the original CCA's ? Thanks for any info, will be much appreciated, but cannot find this information, having trawled the forums. Big love and respect ! x
  16. Its a long first post, but please bear with me...desperate? In 2001 i had a major epileptic seizure while at work, i have never had a seizure before and was taken to hospital.(where i spent the next 4 days) Over the next 6/12 months i was having quite a lot of tests done to see what brought on this seizure. In 2002 my wife and i bought our ex-council property,when we took out this mortgage we took out PPI i disclosed my illness which hadnt stopped me from working, and the seizures were now only partial and unfrequent there was no pattern to them at all. I was perhaps having maybe 1 or 2 every 3/4 months. When the PPI was taken out as i said i disclosed the illness, it was a fixed term of 3 yrs and they contacted the hospital and my GP for eveidence. However in late 2002 i was eventually diagnosed with a ''cerebral brain tumour of the right temperal lobe which was causing the seizures'' The insurers were made aware of this i think at the time i was paying around £62 per month PPI. In June 05 i had a call from my insurers they said my fixed term was now ending and did i want to contuine it, also had my condition chnaged at all. I said yes i did want to contuine it, and yes my condition had got worse. The reply was ..well as you havent claimed against this policy before there is no need for any further medical eveidence. But my premium was now going to be £65 per month, thats ok i said. My seizures were now getting very frequent and i was having 2/3 per week i was taken back into hospital for tests. Where lucky enough they caught this one on VT test and it showed that i was blacking out but having only partial complex seizures (not full ones). I was advised by the hospital to stop working and they would go for removal of the tumour (i was having regular MRI scans that showed the tumor was not growing , not cancerous, but was sitting on a part of the brain that was giving me seizures) and the removal of it was the best option, it was in a good position to be removed. Because my mortgage was taken out after 1995 i would have to wait 28 weeks before i got any help from the DSS. I wasnt unduly worried as i had the PPI...But they neglected to pay out!!! Their get-out-clause was A) It was a pre existing medical condition. B) it was a new policy? It wasnt a new policy i had just carried on the old one, and they knew of my medical history ...so what were they covering me for and why was it a higher premium? I went thru the Financial Ombdsmen/LLoyds back and fourth went the letters and then they changed the reason they were not paying out to: ''they didnt ask me to go for a medical i wasnt covered for the only thing that was wrong with me''?? Where can i go from here as to trying to get redress from either the insurers or brokers (was the policy mis-sold)? Anyway late 05 the mortgage company try to reposess and take us to court, the judge awards them 28 days? I borrow some money and employ a barrister who takes it back to court and this time we get a good judge who sees we have done all we can to resolve things and allows 3 months to sell the property, which we do in a week and are now in rented accomodation. We have a 17 old at college and a 13 yr old at school. When we were in court on the second time the mortgage company sought reposseion or £146k settlement. That was the figure they asked for. When we get the last statement after the sale we see they mortgage company have taken £156k, They say £8k on early settlement figure £2k on fee's. IMO an early settlement is the same as penalt clause in this situation (ie we were forced to sell) and therfore a penalty clause is NOT ENFORCEABLE in a court of law. I have now asked the barrister to look into this, he said the Penalty clause is NOT ENFORCEABLE IN A COURT OF LAW, but they are trying to get round it by saying it was an Early settlement figure, which they would be intitled to ''if i moved mortgage companys to find a better rate'' for example. Does anyone know of a case like this? What was the outcome? ANY help would really be appreciated, although we could really do with the money i would rather the barrister had in fees, than let the mortgage company have it!!! Thanks for taken the time to read this long post...appreciate it! well second like an idiot i posted in the wrong forum i posted under ''general consumer issues'' insted of looking at the site properly, so appologies to the MODS and other users of this board. please have a look in the general forum under ''repsosesion/PPI/early settlement'' I would really appreciate it if someone could take a look at for me or if the MODS could possibly move it to this forum. I never knew so many people had probs with gmac/eversheds llp (solictors) Thanks again all and i will update if i get some news from the barrister Three threads merged
  17. I recently paid a £1000 debt to student loans - as they sent me a default notice - and I panicked as didn’t want my CRF damaged again - ( having now a clear record ) so paid immediately by debit card....... I’ve just found out that they ( student loans ) should of not sent the default letter to me asking for immediate payment - as they would of known it was statute barred ? Do I have case ? Or because I paid up I am stuffed - so too speak ? Any info much appreciated ? Thanks
  18. Hello...Had gas/electric supplied by Flow Energy until 6th May 2017 before switching to another company. Final bill issued by Flow Energy 13th June 2017 - advised they would take final d/d 14 days later. Have now received a letter on 2/5/18 from Allied Credit International Ltd from Glasgow stating that the amount is due. (Also, letter dated 23/4/18 but not received until 2/5/18). Have checked bank thoroughly and Flow Energy never took the final direct debit as they said they would at end of June 2017. Also never received any communication at any point from Flow Energy since that email in June 2017 when they advised they would take the final d/d at end of June 2017 i.e. no chase /reminder etc etc. Now concerned I have a DCA after me, and that credit score may be marked also They are just under the 12month rule on backbilling that I have read about on Ofcom website but unsure if Flow energy even agreed to that voluntary charter. Who do I speak to - Allied? But assuming they have just 'bought' the debt. Or do I contact Flow Energy and complain? I had no issue about payng it at the time but thought it had been paid and am annoyed to now have this thrown at me randomly nearly a year later - and especially having a DCA involved!! Any leg to stand on?!
  19. Hi, I have accumulated some relatively large charges from HSBC Business over the last few years, mainly for unauthorised overdrafts. Is it possible to have any of these refunded? I am in quite a bit of financial difficulty at the minute. I dont have any lending on this business account. I would also like to keep the account open, so dont want to do anything to harm that if possible. Thanks for reading! Jamie
  20. Hi All Really appreciate your help on this. I have googled and I don't think there is anything we can do, but thought I'd check here. My mother had a quote for £2700 for some building work. She Emailed the builder and he set a date to start work. She had a reply saying it was confirmed etc. They sent numerous communications. Then she had a reply from the builder on a fake Email address that looked just like his asking for £900 payment to secure the date. She checked his references etc and it all seemed okay. 2 weeks later the builder called her asking for payment to get the scaffolding started. Obviously she thought she had paid. She hadn't. The bank investigated and the fraudulent account now has no money in it so they say she has lost it and it she was at fault. I told her to ask the bank in writing how long the account was open, how many frauds occurred and when was the first one. I heard you can complain based on the bank not closing the fake account in a timely manner. Anything else you would recommend? Thanks D
  21. Evening everyone, I recently purchased a 10 year old car for around £2-4000 below asking price. Also secured a 3 year warranty. All good. Drove it away and a 'Check Engine' light came on. Took it back and they plugged it in, fuel pump issue. Replaced that. Light still on - turbo issue. Took it too a garage, needs a new turbo costing £1800. As it's only one of them, the garage, under the Consumer Protection Act, will pay for it. Cool. Although, advised by the garage that if you replace one, you should replace both. Due to the, apparently, small profit margin, they are not willing to pay the additional cost and have asked me if I'm willing to pay £1000 towards it for the two turbos. My warranty covers everything that is not serviceable and no issues that were present at point of sale. But at the moment we are still in the 30 day period covered by the CPA. I can say 'No' to paying £1000 for both repairs as if/ when the second turbo goes, it will be covered by the warranty. They did say that they would pay for one to be fixed and I understand the reasons it makes sense to get two replaced. However, it appears that they are trying to perform preventative maintenance i.e. the second turbo that might go wrong, at my expense. The second one does not legally have to be replaced as at the moment it's working fine. It *might* cost money in the future, which will be covered under the warranty. Which, I guess they're trying to avoid. My thoughts are to go back to them and say I just want what is currently wrong fixed, i.e. the one turbo they said they'd pay for. Can they turn around and rescind the deal if they anticipate paying more out under the warranty? Everything else has gone through, finance, insurance, tax etc. This is the only issue. To distill, within the period covered by the Consumer Protection Act, can the vendor choose to take back a vehicle purely because they think it might cost them more under the warranty? Many thanks for any advice received. ML
  22. That's right, our lovely DWP and JCP who want you to get back in to employment but when it comes to the crunch are unwilling to help you when you need a little bit of help and this set you up to FAIL! As you know I am on UC, I lost £95.00pm when moved from ESA and HB so am struggling. I have been applying for work but getting nowhere my work coach (work coach LOL) says to me "try registering with agencies and seeing if they can help" ... OK, I email a few agencies and I geta reply from Hays and speak with them on the phone about my work history and background etc. They tell me that they may have a few openings and would like to meet me - fine, train fare to town return is £9.40. As I am on UC almost £10 means a lot of food shopping and it is an amount that I can hardly 'lose' at the moment given my financial circumstances. I email my 'work coach' and say I have arranged an appt with the agency and I would like to claim my fare back. Guess what? DWP WON'T PAY IT as it is not an actual interview just registration. So I say "if I want interviews I need to register so I am on their books" - the answer (like a robot) "No we cannot pay your fare" Fine, end of story, appointment cancelled - you want to know why I have not been doing as you say and seeing agencies? BECAUSE YOU (DWP) ARE NOT HELPING ME AT ALL WHEN I AM TRYING TO BE PROACTIVE FINDING WORK!!!! What part of I am on UC and struggle with rent/food do you not understand? Want me back in work and off UC then HELP ME WITH A LOUSY TRAIN FARE! Angry? Yeah, expected this? Yeah ... DWP ... no help at all, just keep cutting peoples money and offering no help at all. Pathetic.
  23. I have received my data to see if I could claim PPI and they state it was not applied. Okay but I did incur overlimit fees between 2008 and 2011 which I have not claimed back. Is there any point in trying to claim them back now? There are also entries called 'promotional interest' which are for less than 0.50 a time - might this be PPI?
  24. Hi guys, As always your advice is much appreciated. Lowell issued me a backdoor CCJ on 11.11.15 to my old address. However they were writing to me at my current address at that time regarding another debt. In fact they received our new address details on 17.09.15 and wrote to us on that date. Worth trying for a set aside?
  25. Hi Everyone, I really need some help and advise with an issue that I currently have with N Power please. My partner and I used to rent a small one bedroomed flat, which we moved out of in August of this year and everything was electric, we had no gas at the property. Whilst we lived there all bills made to N Power were made on time and yes they were always high but we just assumed this was normal. On the 14th February 2017 we received a bill from them telling us that our monthly payment has decreased from £94 per month to £21 per month and they also refunded us £559.57 because we were in credit and had been overpaying. We continued to pay £21 per month with no problems until we notified them that we were leaving the property on the 19th August 2017. When our final bill was posted, they said we owe them £1093.40! After getting in touch with their customer service department, my partner and I must have spoken to around 4 different people and none of them could figure out why our final bill was so high, I contacted the complaints department who then looked into this issue for us. This issue has been going on since August now in December they have finally come to a conclusion regarding our bill. They have admitted that it was a fault made by them and that we should never have been given a refund and we should never have had our bills reduced to £21 per month but they still want us to pay back the full amount! I completely disagree with this. I obviously don't mind paying them for the energy we used but why should we pay them back to fix a mistake that was made by them? Please can someone help me as this is the first time I've had to deal with an issue like this and I don't know what to do. Can we fight this or do we have to give in and pay them back the full amount? Any advice on this will be greatly appreciated! Thanks, Michelle
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