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    • you guessed correct  safe to ignore everyone.   def never use the phone ever to any DCA they are not bailiffs and have zero legal powers on any debt, no matter what it's type   dx  
    • Hi,   Green Network Energy have been over billing my account for supply of gas since Mar 2020 for a contract that was entered into Nov 2019.    GNE were provided with an initial meter reading when the contract was commenced and it is specified in their terms and conditions that this will be used to produce estimated bills in future.   To date GNE have produced 4 inaccurate bills grossly in their favour. These bills were produced using an inaccurate opening reading provided by industry estimate, this has culminated in a final bill of over £2400.   I appreciate it is an entrenched position however GNE have recently been using a third party to repeatedly call me to provided them with meter readings. I have declined to assist them as I prefer to enforce the terms of the contract at no inconvenience to myself and because the terms and conditions include no basis for me having to do so. This is not a vendetta and has the stated aim of improving GNE's performance and treatment of customers in the future. I also openly resent being asked to perform duties on behalf of their third party particularly as they are likely billing GNE for their service.   I have disputed every inaccurate bill in writing (via email) except the first bill as the bill amount was in keeping with expectations and the error went unnoticed.   I have submitted a SAR in writing which has been acknowledged by their Data Protection Team.   There is an open ombudsman case which they have challenged.   I have taken steps to switch to another supplier as well as cancel my direct debit due to their failure to perform to the standards of the contract. It is highly likely they will attempt to deny the switch to the new supplier due to the amount owing on the account.   I am willing to pay what I owe however they have refused repeated requests for details of how to make payment.   I am considering a legal claim for breach of contract and am preparing a letter before claim. Should they escalate the unsubstantiated debt to a DCA (which they have threatened) then I will consider including damages for fraud within the claim.   I am grateful for any and all advice and am happy to answer further queries.
    • ah good idea i was going to move toward looking at any irresponsible lending aspects lloyds can be very quick to up your OD limit with necessarily informing or asking you.   don't forget you can use secure messaging on the LLoyds interweb portal.   i pers would never rely on OC's to allow themselves to investigate themselves when you don't p'haps have all the info. send them an SAR it could be very revealing.   as for using the phone to ANYONE from now on refuse that as you might well need a papertrail if things escalate and you move to asking the FOS to become involved.   dx  
    • Thanks for posting the judgment.  Interesting reading.  It's annoying that VCS won an appeal, which of course means precedent.  However ...   The two motorists didn't turn up.  Do that and you're bound to lose.   The judge ruled against allowing "de minimis" as a defence for that particular location which was a long road with repeated signs.  I bet where you parked was completely different.   Most importantly, as dx says, bye-laws trump VCS's silly signs.  
    • I requested to Lloyds to check if increase of my overdraft was done correctly as I had already bad credit score and if they checked my affordability then. There's a investigation going on.    I've requested that over the phone when I informed them that I'm no longer able to pay overdraft fees. Do you think that should be done in writing? I. got ref number for the investigation but that's all.   Please advise
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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barclays openplan problems


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Trying to find out if anybody else has the same problem. Last Oct I started questioning Barclays about my mortgage statement . I have documentary evidence where they advise me on monthly statements that I am reducing the term of my mortgage by offsetting money in my current a/c. Igot to 28 months off! those staements stopped without explanation. I queried this and met a stonewall. I wrote several letters and today at last after 8 months they have replied saying and i quote "the information you received, detailing the reduced term on your mortgage was indeed flawed. The information that had been used to calculate the remaining term took account oft he interest you were saving by offsetting your investments and incorrectly adding them to the monthly payment you were making....Regrettably this was due to a system fault that once recognised, had been corrected."

Well they didnt tell me!

Additionally they have documented that I have saved over £5000 in interest but that I still have the original term!! They dont seem to understand there product.

Any ideas where I should go from here?

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Welcome to the site-sorry for the late reply.

Will move your post to the Mortgage forums someone there may be able to help.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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A real can of worms and possibly the tip of an iceberg. I currently have a number of clients actively challenging Barclays on the balance of their offset accounts. The problem they face is that no one at Barclays can clearly explain how the balance has been reached. Barclays either explain the theory behind offsetting (not rocket science), or forward letters full of technical terms, but no substance or clarification. Barclays appear unable or unwilling to provide actual calculations to these clients to support the relevant statements. The same problem occurs at redemption.

 

Recently, I accompanied one of my clients to a meeting arranged by Barclays at the local branch to (in Barclays own words) ‘meet the local offset expert’, who would be able to answer any queries. Embarrassingly for the ‘expert’ and frustratingly for my client, the meeting lasted but a few minutes with the ‘expert’ readily admitting he could not explain how the balances were calculated. Following another round of correspondence, Barclays have now promised to send someone from Head Office to ‘re-assure’ my client. I am looking forward to that! Due to lack of progress and faith in Barclays, the clients have approached the FOS for assistance.

 

MortgageTalk

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