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    • Your bottom line assumption is correct.   If by involving Ofgem you mean using the ombudsman that is correct.   I am awaiting the SAR return (they have pleaded extra time due to Covid but I am of the opinion they should be put to proof if they delay beyond the statuatory time limit)   I do have a record of the initial correct move in reading.
    • sorry it just read so much like the business stories we have here.   so, the bottom line is that GNE want more money then what is owed you've involved Ofgem you say? and you are awaiting the SAR return.   it's quite std practice to involve DCA, and thats nothing to bother about.   you have a record of the initial correct move in reading?  
    • Hi Dx, thank you for your input.   1. Yes, I have paid the agreed direct debit amount set up when the contract was entered until the point of cancellation.   2. Thank you for your suggestion, I have found their bank details and can now pay what I think I owe.   3. Quite simply if they take action and correct the billing then I think GNE do not seek to cause me unjustifiable loss.   If instead of correcting the billing they simply move to collect the unsubstantiated debt then they have made a false representation (the bills), dishonestly, knowing that the false representation might be untrue (based on the information they have already received as well as information provided by Ofgem and no doubt their own accounts) with intent to make a gain for themselves and to cause loss to myself.   In addition to the above the supplier occupies a position in which they are expected to safeguard, or not to act against, the financial interests of their customers. (I.e. provide accurate billing) by claiming the debt they have abused that position, dishonestly, intending by that abuse to make a gain/cause a loss.   With regards to the topic, this is a domestic account not a business account.
    • Proposes know to extend the scheme from 2021 to 2022.   https://tinyurl.com/y45h6ap5   URL takes you to Government website.     .....
    • so have you paid anything since nov 2019?   surely it should be quite easy to discover their bank details. then pay what you think you owe by bacs.   not sure where you acquaint fraud with the involvement of a dca to chase you.?   totally powerless and not bailiffs.    
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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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Credit Card company reject Merchant

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Are credit card companies allowed to choose who they will accept transactions from if all the normal criteria are being met?


I placed an order with a distance seller, who by the nature of the products is a common target for credit card fraud, and immediately received a call from my card company's security centre — at which point I confirmed that it was a genuine transaction and was reassured that everything was fine then.


Since then the merchant has attempted to take payment again and been rejected again so I spent a long time talking to the credit card company—over several calls—who ended the conversation with an assurance that if the transaction was presented again it would go through this time.


Again the transaction was rejected and so I had another long conversation (well actually I spent most of it on hold) only to have the individual researching the problem come not be able to hear me when he took me off hold.


One final call and I was at last informed (both by the foreign call centre staff and also the more local supervisor I was transferred to) that the banking group behind my credit card had stopped accepting transactions from this merchant.


As I understand it the transaction is bank to bank so if the merchant banks with a UK bank can they really refuse to accept the transaction if the card holder has confirmed it is genuine?

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Yes. Otherwise the card company is open to liability under Section 75 CCA that they don't want to take on.

British Shoe Corporation - won :) BT - won :) West Lancs Council - lost :-x 02 - won :) British Airways - still fighting :o STOP PRESS - RSPCA - daughter won with letters I wrote :)

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It isn't only s75, and most likely not in this case. It is probably that the merchant is open to fraud and they are not prepared to risk fraudulent transactions and are convinced that they will be fraudulent.



If they consider it in your best interests, then they can refuse to process a transaction to whoever they want.


:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:


:-) If you feel my post has been helpful, please click my scales. :-)

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I think actually the reason for rejecting isn't that this particular merchant is more open to fraud but rather that given that the products they sell are high value and high demand they are more likely to be targetted in the first place.


It's almost the reverse of why my car is such a high insurance group - it isn't more likely to be in an accident, the parts are just so expensive if it is.


Guess I'll just have to put up with their stance then... already paid with a less picky card anyway so as not to miss out on the deal I was after.

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