Jump to content


  • Tweets

  • Posts

    • Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and thank you for concluding your topic, title updated.   Andy   .
    • So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Loonychoons V Nationwide


Loonychoons
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6372 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

I sent my standard DP letter off (with manual intervention bit) and received a response stating the statements would be sent to my local branch (helpfully it didn't state what Nationwide considers to be my local branch lol).

As I closed the account last year and have moved, they won't send them to my home but that's ok. They did cash my £10 checque though.

I'm slightly concerned about this paragraph in the letter though:

 

Should you require all information Nationwide holds on this account or any others you may have, please let me know in writing quoting the relevant account numbers.

Hello?? Did I not just do that? I asked for a list of charges and any manual intervention. I assume this is a stalling tactic but do I actually have to respond in writing given I've already done this? And can I email?

 

Any advice gratefully received :)

 

Loonster

Link to post
Share on other sites

don't panic it just means if you require any other information they hold on you other than your bank statements. not quite sure what information but i think its a standard reply.

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

Link to post
Share on other sites

Thanks. But if they just send me statements I won't have any idea if they're claiming manual intervention? Or are Nationwide not trying to pull that one? I don't imagine for one second they had to intervene for a single one of the charges but it could waste a bit more time.

Link to post
Share on other sites

hi, if its anything like i had they just sent me a copy of every statement for the last six years (all nicely bound) and with a standard letter about manual intervention. i just ignored the letter to be honest and claimed my charges and interest. i don't think nationwide are claiming manual intervention in any cases. its all done by computer so they have no grounds for that!!! good luck with your claim

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

Link to post
Share on other sites

had a bit of a problem because they said they didn't receive my postal order but about two weeks, i think they are taking a bit longer now because of so many requests but it should be soon!! patience my friend!!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

Link to post
Share on other sites

  • 2 weeks later...
  • 2 months later...

Right! Time for an update!

 

Following all the advice on this webiste I'm now at the Moneyclaim stage. Nationwide immediately stated they were going to defend and I see that the status of my claim is "Defence" on the Moneyclaim website. They have until 24th October to enter a defence.

 

Nationwide were awfully quick to defend, I think they do it as standard but am just slightly concerned that I made a mistake somewhere in my claim and they found a loophole. I closed my account last year so they don't have anything to lose...

Link to post
Share on other sites

keep checking your account the cash is being counted as you speak....give it a few days and you will be rewarded.

 

I got a full payout last Sat but didn't find out til Monday when I chaecked my account. This morning in the post I got a letter from the court saying they were going to defend!!!!!

If I have helped click my scales....

 

Find my threads by clicking here

Link to post
Share on other sites

Loonychoons, I'm in a similar position to you though my claim on moneyclaim still says acknowledged - am terrified that I've made a mistake, I've also got a closed account with the Nationwide and so have nothing to lose.

 

Hope your money comes through soon, should be any day now with any luck!

Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

Link to post
Share on other sites

hi, I think I can remember a previous thread where someone was waiting for a cheque and when they called up Nationwide explained there had been an admin errer and the cash was paid into the closed account.

 

I is worth a quick call to the number on Deborah Deborahs letter just to check.

If I have helped click my scales....

 

Find my threads by clicking here

Link to post
Share on other sites

I think it's unlikely that they've paid it into your account but haven't written to you to say that they're going to pay up (Forgive me if they have sent you this letter, but i didn't see it mentioned above), Debt Mountain is right though, they have said to people that they'll pay and no cheque arrives and the money turns out to be in the closed account.

 

Let me know how your phone call goes, I'm watching with interest as my claim with nationwide is also now saying "Defence" and I can take no further action on Moneyclaim online.

Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

Link to post
Share on other sites

My letter from Nationwide with the cheques in it got "lost in the post" - however, I got a court response saying that Nationwide's defence was that they had already paid.

 

As I had heard nothing from Nationwide regarding this payment I called and left Charles Bacon a voicemail and sent him an email, next day I got a call from someone in their customer services team to sort it out. They then sent me the cheques. I am waiting for them to clear before I cancel my MCOL.

Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

Link to post
Share on other sites

Hmmmm. My MCOL was placed before you and I've heard nothing - no letter saying they are paying (or not), other than the court docs. It runs out on Sun 29th (from the date deemed served, although the Nationwide response is dated before that date)

 

I didn't phone as I haven't had any contact saying they would be paying. Do you think I should email Charles Bacon??

 

Btw - Congrats!!!:p

Link to post
Share on other sites

Ok, this is a bit odd. I haven't heard anything since I received the Acknowledgement of Service docs from the court over a month ago. The Moneyclaim deadline from date served is Sunday 29th October. So in theory they default tomorrrow, right? And I should be able to take further action on this tomorrow (or I suppose Monday at the latest??)

I would have thought that if they had entered a defence the court would have sent something thru to me?

 

The account has been closed over a year incidentally...

Link to post
Share on other sites

Apparently Nationwide are defending and lodged it with the court on 5th October but I never received a copy.

Is it likely I've missed a deadline here? I haven't had anything from anyone. And why are they defending?? Have I done something wrong in my claim?? Aaaargh!!

Link to post
Share on other sites

they defend every single action against them and have usually paid out by the time the paperwork is sent to notify you. I wouldn't worry too much it may have something to do with the fact that your account is closed - they have paid money into closed accounts before. What not give the people at MCOL a call and ask for advice?

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

Link to post
Share on other sites

Thanks, I did call them and that's how I know they lodged a defence on 5th October but the court hasn't sent out an Allocation Questionnaire which I'm supposed to complete and return within 7 days.

So this could seriously prejudice my claim, unless the defence was that they intended to pay, in which case why haven't they?

I'm waiting to hear from the court, they're phoning me back, but would appreciate any other input from others?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...