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    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
    • The world of ballroom dancing went online to cope with the pandemic restrictions, but what does the future hold? View the full article
    • I would add, many companies have done everything possible to manage and carry on in difficult Covid19 circumstances to supply customers with what they need.   Continually making excuses for delays is not what I'd want from an installer and maybe the £100 deposit is not so important.   Get this deposit back if you can but, more importantly, find a local installer recommended by family or friends to carry out the works.
    • Hello all,   I hope you can assist me, as I am quite lost and confused at the moment.   Two years ago I moved to my actual flat. Throughout this time I have been with EDF first and now EON. When I moved in, my landlord didn't quite know which one was my meter and I picked the one that I believed was mine (now reading you I know I should have done a burner test..). During this time, I have been paying my bills and submitting the numbers that I believed mine, which actually agreed with my consuming patterns.   Today, all the meters appeared with numbers, but the one next to the one that I was using, which appeared with a different flat number. As you might have guessed, none of them had my flat number. I have just made the test and it looks like that one may be mine.   Now, how should I proceed? I have been paying bills is not like I wanted to avoid paying, but clearly there has been an issue. Could you please advice me on how to proceed?   Lastly, in terms of meter serial number, the one that I was using matches my bill and I guess my neighbor bill. The additional doubt I have is, who is paying for my meter and why are they still providing me with gas if no one is paying the one that seems to be my real meter.   Many thanks!    
    • Hi J,   You must decide what's your priority - make the gym honour what you were offered originally (perhaps trying to draw you in) ................   ............... or pay what they're now demanding to get the srvice you want.   Surley it's worth a go ?
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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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Hi Beachy,

 

 

Isn't this statute barred by now? I know this thread started over six years ago. When did you make the last payment?

 

 

Generally when they are offering big discounts it's because they know they haven't got a leg to stand on.

 

 

Anyway if it's not SB I can give you some ideas for your letter.

 

 

DD

 

Hi DD,

 

Hope you are well, any other original Cap1 fan club members around :)

 

Not quite six years from last payment, but its so close to SB (weeks not months).

 

Beachy

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Hi Beachy,

 

Time to stay quiet maybe, until SB becomes your friend.

 

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Personally I'd drop them a very simple letter saying that despite numerous requests to Capital One they failed to proved a copy of your alleged credit agreement and can they provide one?

 

 

I don't think they'll do anything and I think it's a last ditch attempt In your personal situation even if they took you to court and won you could then ask to pay them off at £1 a week, but really I don't think they would do that.

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Beachy,

 

 

I've just seen your second post. I'm not certain about other members of the Cap1 Fan Club but honestly that thread really taught me so much and made me fight back. Such a pity we'd didn't get our day trip to Capital One to meet Ellie! I was so looking forward to the Cream Tea you were going to bring, and I think the rest of us were going to bring so much wine and champagne we'd have had difficulty standing up.

 

 

DD

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Beachy

 

Very very very last thing I'd be doing in your situation is contacting Lowell. I see you're even reading a sense of "escalation" / "up a notch" into their drivel. The only escalation is of their desperation. It's just a standard template at the end of their letter chain.

 

Don't draw attention to yourself. Lie low unless a claim form arrives. 'Twould be easy to defend as they have no compliant CCA. Even easier if S B. However the lack of a CCA makes it most improbable that they would even try.

 

Just my opinion, but total silence is a tactic which worked eight times for me with Lowell - some of the "accounts" being five figure sums.

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Hi BeachySorry to hear you still getting hassle from Capital one ,How long has your dispute been going on now with Capital one? 5 years or six?

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Oh i see Desperate Daniells has made the same observatiion! Like her was wondering if it statue barred

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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The beauty of staue barred that is there are no arguments the DCA can use! Statue barr is a complete defence in itself and once the statue bar date passed iso I understand the debt can not be reserrectued in anyway after the staure barre date passes which i believe is 6 years one month,! Also even if any payment or acknowledgement of debt takes place after statue barr date passed it remains staue barred.Correct me if i am wrong on any of these points as i am of course not legally trained!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Thanks for all the advice, see what their next letter contains.

 

Sunflower, great to hear from you, its been a long time :wink:

 

I seemed to have been forgotten by C1 when most of the fan club got 'sold off', its been very quiet - not a single contact from C1 until end of last year when lowlife appeared.

 

Not quite SB yet I'm afraid, over 6 years since DN but silly me sent a few payments before I realised the issues.

 

How did you get on with yours?

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Hi Beacy so sorry to hear that.As you say you were trying to be reasonable with them and its never clear to know what to do for for best at time.Still as you say they dont seem to have a leg to stand on and as we say it will eventually become statue barred and then you can just ignore the threatograms!

Edited by sunflower99
missed word

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Though Beachy I think when it does become sb you will miss those lovely exchanges with Lowells and other capitalpond feeders. You will not know what to do with your extra time! LOL

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Mine is now SB

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Sunflower, I still follow older threads like yours and as I have just received a letter from Crapital One too after nothing for ages and ages. It occurs to me that perhaps they start putting the pressure on when statute barred time is approaching? I will ignore as I hope you will and wait in my case a few more months.

All the best, Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

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  • 2 weeks later...

Hi DD,

 

If only things were quiet :-)

 

Getting a letter every two weeks without fail.

 

Latest one was from their 'pre litigation department' informing me that their 'assessment' of my financial status is now complete, and as I'm working (I'm not - State Pension only) and have other credit products (No I haven't) County Court is a realistic option.

 

But then it goes on to say 'We are happy to agree with you any amount you can afford to pay by instalment's.

 

Best regards,

Beachy

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Hi Beachy,

 

 

I think you'll be okay because you've said your property is rented, and they've said they'd accept any amount by instalments which means, I always think, "Please give us anything. Anything will do."

 

 

I think it's more dangerous to ignore them if you own a property because Lowell just love issuing Statutory Demands in an attempt to avoid having to prove the agreement is enforceable by issuing a normal Court Claim. Usually these Statutory Demands can be defended successfully but I'd rather not let them get that far, and by arguing the toss I got them to drop it and didn't have to worry about it for six years.

 

 

DDxx

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Hi DD and Exchange nice to see you on these threads too! Exchange as you said these Dca seem to renew their interest in thier victms just before it becomes SB,I heard from them about 7 months ago! I just ignored them and they necer contacted me again.Now I can safely say that mine is well and truely SB,So now if they ever write to me threatening legal action they will be met with the SB letter!The cca argument no longer relevant as SB a complete defence

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi sunflower,

 

 

So glad you are out of it too!

 

 

Like you I'm either SB on some accounts or counting the days on the others to default dates, but some of those were put on very late and as it's well over six years and several months since the first missed payment dates I'd argue SB on those if I had to.

 

 

DDxx

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Hi Beachy .I dont think you need to worry too much. I am sure that no DCA in their right mind would issue a court summons or a SD as you are not a home owner and have nothing of value and on a low income .So there is nothing they can sue you for or take.I am sure even if you did not have the invalid CCA argument they would stilll not want to issue legal proceedings against you.It is home owners or people who have assets who need to worry more.

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Thanks DD & Sunflower,

 

That's reassuring :)

 

I'm still tempted to fire off a 'go away' letter, can afford a few stamps for letter tennis as SB date is looming - just concerned that ignoring them full stop could bring BC into play.

 

Beachy

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Hi beachy,

 

 

A Pre-Legal assessment isn't the same as a Letter Before Claim so I think you are okay. As Sunflower says, if they know you don't have a property and are living on a pension I don't think they will want to spend the money on a claim. Even if they won you could ask the Court to let you pay it off at £1 a week and it would take them years to get their legal fees back let alone the alleged debt.

 

 

Did you respond to any of their letters at all?

 

 

DD

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Thanks DD,

 

I've ignored all their letters & threats up to now

 

What I cant fathom out is how they claim I'm still working? If they have carried out checks like they have stated, then they know I'm well passed retirement age :)

 

Beachy

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Sometimes I don't think they check anything - they just say they do.

 

 

This last waiting bit is awful. I have one account where they didn't default for months after the last payment. I really think there should be legal clarification on the six month start date for SB. NDL and Stepchange websites both say something different.

 

 

Hang on in there!

 

 

DD xx

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  • 1 month later...

Well no letters from lowlife for a month, last one offered a discount of 75% :shock:.

 

However, my credit score has recently dropped, the only thing that has changed is that lowlife made an 'Administration Review' search.

 

According to Noddle, this search can be seen by third parties & can effect applications for credit.

 

BC

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Lowells are such a stupid company, 3 years ago I had no choice but to go Bankrupt through a DRO (Debt Relief Order) which is where your debts are under £15k and you have no assets as such. The insolvency office accepted the application and that was that........a year in Bankruptcy and then cleared but the DRO stays on your credit file for 6 years. About a month after the DRO was accepted Lowells were sending me letters which at first I ignored, (none of the others sent anything) then they got to 2 a week so I telephoned the Insolvency Office and explained what was happening with Lowells, they asked me to send the letters to them and they would sort it out for me.... Only after the IO sent them a letter (I got a copy somewhere, but just moved house so you can imagine the chaos) and boy did they rip into Lowells and even threatened to take them to court as they were abusing their powers and god knows what else... I don't know why but the letters stopped after that...... seems Lowells are the worst of the lot wheb it comes to common sense.....

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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