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  1. Hi, I have been mis-sold energy contracts twice now by Npower, now. The energy Ombudsman have no legal training and don't even seem to have an obligation to adhere to Consumer Protection Act, Distance Selling regulations or even the Unfair Trading Regulations 2008. But more of that later. Unfortunately UK's implementation of the associated EU Directives does not provide for compensation to be paid out to the consumers. Npower has been applying for WoE twice now and failed but they are going for it for a third time. They won't make a claim for the so called out standing invoices because they know that I would defend it & force them to recalculate my invoice according to the offer and not the contract which I did not sign because it was fundamentally different to the offer I accepted on the phone. They have switched me back to their standard "tariff" instead of the low income tariff that I had initially negotiated for thereby denying me even warm home subsidies. I have asked for and they won't let me switch supplier until I pay the the extortionate invoices which include costs of the failed applications for WoE. Can some one tell me what remedy I can claim for through the county court because to be honest neither OFT or Ofgem have even bothered to come back and ask for my evidence: The transcription of my telephone conversation with Npower recorded by myself which seems different to the one the Ombudsman has based its ruling. However I have now managed to obtain a second transcription under SAR which confirms to my own recording and not the Ombudsman's claim. By the way if anyone thinks that any of the Ombudsman are impartial or independent then they my must be living some where different to me. I have had dealings with most of them either for my own cases or on behalf of members of my family. They are all corrupt to the core but are accountable to no one. Once I took BT to court for my sister for a bogus sale of £975.00 when the Ombudsman had ruled that my sister should pay it and we won loss of income of over £3,000.00 plus all the outstanding invoices that were written off. From what I have gathered the only thing I can claim is for the difference between what I should have paid and what I have been invoiced through the small claim court but calculating that is a tasks worthy of payment in itself. I have spent almost a year on this and I find the remedies totally inadequate. If I am going to go through a legal proceeding which took almost a year last time and hundreds of pager of witness statement then I want to get the cost of my time back at least but this is not possible in small claim courts. I can claim for damages but they are difficult to quantify. It seems that under Eu Directive I should be able to claim for my time and emotional distress caused by Npower's outrageous behaviour. But in UK that will only happen if OFT instigate proceeding. Well at least this is what I have understood so far. So does anyone know more and can help me? Thank you.
  2. Help Some 6 years ago i was called in to my local branch to confirm my address. It then transpired that a bank employee had merged my account with somebody with the same name ( middle name was different ) from essex, no problem i was told and it was all sorted. 3 months later an expected cheque for £2000 did not arrive, it had been sent to the incorrect address, this took 10 months to resolve Its ok sir all has been sorted , i was told. i then made a complaint and was offered £50 which i completely ignored but took the matter no further as i was assured , its ok all has been sorted. One year later i start to get red letters from a debt collection agency( wife distraught at red letters bigtime ) , which turns out to be due to a non paid bill, by guess who? again sorted again i was told Its ok all has been resolved !!!! 18 months later i tried to get a loan to purchase a new car , turns out my credit rating is zilch because of debts owed to the Halifax, again not me but Halifax were told to sort which they eventually did but my credit reating was ruined for 4 months... again Its ok sir its all been sorted One year on i receive a letter from the halifax saying my debt for £150 has been passed to a debt collection agency ( wife distraught ) my head explodes and i explain ( in no uncertain terms ) to my local branch what has happened ( again ) this is being dealt with as we speak but i received a call from the customer complaints people yesterday asking me what it would take to resolve the issue, i stated i would like it SORTED and she then offered me £200 for my inconvenience ( which as you can see has been endlessly ongoing ) My question is , is this a resonable amount or should i ask for more ( i was always advised never to accept first offer ) or should ( as i nearly did in the past ) complain to the FSA, i am not unreasonable but do not want to be ripped off ( again ) by the banking system for somethinhg they have admitted was there fault and all of this has been caused by their incompetence to put right some computer system. Thanks in advice for any help received and sorry for long question...
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