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    • Scheme has now been extended from 2021 to 2020, after that ?   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.    
    • 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  
    • The firm added just 2.2 million new subscribers after a surge of sign-ups earlier in the year. View the full article
    • 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.
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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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Can a company pass your Visa Data to...

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What data has been passed, and to whom has it been given??




EDIT: You will, for instance, have given them permission whem you signed your aggreement to pass your details onto various CRAs.



Edited by skbuncks
pesky commas

Victory over Lloyds £890


Victory over Vodafone: default removal


Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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EuropCar send me an invoice, payment will be with Visa. The company who makes the charge in my account is Alamo car, I don't know this company and I did not give any permission to europcar to transfer my VISA data to other company, in the agreement there are not any term related whit this permission.

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Alamo are acting as local agent for Europcar. Perfectly legal.


What is your complaint - you rented a car, you paid for renting the car. Nobody has charged you for something that you didn't want.

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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Don't worry - the data will have been encrypted - and the current security requirements from card companies are very stringent.

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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