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    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
    • Dear All,   BN, BF, HB, - Thank you for your comments.    Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc.   Its our 2nd draft and I will fine tune it tonight / tomorow.   Thank you for putting me right.    Warm regards BF   Counterclaim-1.pdf
    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
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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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Hiya, Wondering if anybody can help me?

 

Got my quarterly bill from npower and it is £650 for gas and electric. My house is less than a year old, has A rated appliances, gas central heating on a thermostat, cavity wall insulation, uvpc doors windows etc, and a 3bed semi.

 

This to me sounds rediculously high and they want me to pay £158 a month which there is no way i can afford as i am going to uni soon so will be a poor student. They said the only other option is to fit pre-payment meters but my landlady wont let me and i hate them. My husbands wage will just cover the bills and thats it.

 

Just wondering where i stand? I tried to switch providers but they wont let me because of the outstanding balance.

 

I was told once by edf that an energy contract is a 30day rolling thing and that they cant make you pay any more than what you can afford.

 

Just wondering if anyone knows what i can do about this?

 

Thanks in advance :confused:

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Hiya, Wondering if anybody can help me?

 

Got my quarterly bill from npower and it is £650 for gas and electric. My house is less than a year old, has A rated appliances, gas central heating on a thermostat, cavity wall insulation, uvpc doors windows etc, and a 3bed semi.

 

This to me sounds rediculously high and they want me to pay £158 a month which there is no way i can afford as i am going to uni soon so will be a poor student. They said the only other option is to fit pre-payment meters but my landlady wont let me and i hate them. My husbands wage will just cover the bills and thats it.

 

Just wondering where i stand? I tried to switch providers but they wont let me because of the outstanding balance.

 

I was told once by edf that an energy contract is a 30day rolling thing and that they cant make you pay any more than what you can afford.

 

Just wondering if anyone knows what i can do about this?

 

Thanks in advance :confused:

 

Firstly check your meters to see they have the right reading, I too had a bill of the same amount and they wanted £158 a month too,m this was for 6 months but was just gas, my estimated reading was a bit high but after sending them the real one its gone do2wn to £132, BUT Ive just been made redundant and Ive written letters to them offering to pay £10 a month untill things change, Ill let you know the result when they apply.

 

Andy

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Did you take the meter readings when you moved in? Are they the same readings used by NPower to open your account on? If they are lower, it is possible the previous utility users (probably the construction firm that built your house) had their bills under-estimated and in reality they used some of the electric and gas that NPower are claiming you owe.

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I am absolutly fuming, got home today and have had a letter from npower saying that they will instruct a debt litigation officer to come to my house and cut off my gas an electric!!!!!!!! on or after 9th june 2009!!! I have a child!!!! They want me to set up a payment plan of £158 a month to pay them off.... i cannot afford that but they said no this is the only option or pre-payment meters! Im not allowed pre-payment meters!!!! i owe them £655.15. HELP please coz im livid! :mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad:

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Have you checked that the rate that you are being charge per units is what you agreed?

I am having a nightmare at the moment with them.....

I August i switched to them on a fixed rate tariff hoping to save money and the rates that they quoted were quite reasonable. All was fine until the contract bit of the call when the agent started quoting different rates to what we agreed. I told her that they wasn't what was previously discussed and she told me that she was sorry that their was an error on the system and the rates i had were right and that everything was fine!

I then a few weeks later received written confirmation on my tariff/rates and they were not what i had agreed.... I contacted them immediatley and was again told "dont worry the rates you were quoted were correct" and that it was a admin/printing error. Yet 6 months on i am being over charge by arount £120, because they claim that the rates that i "think" i was quoted are from 2006. They want me to prove my contractual terms and that basically its tough.

I luckily have call recordings of all the phone call between us, which their has now been many. Finishing today when the guy in executive complaints told me that they didnt have my contract call recording because they only keep them for 6 months, i offer to play mine and we could listen together although he wasnt keen :)

I mentioned that as we had no contract, or they had no means of proving it that i wouldnt pay them but he said that i had too. lol

As a FSA regulated organisation do they not need to keep their call recording - especially those which form a binding contract for at least the term of the contract?

It makes you wonder how many times this has happened, if i wouldnt have checked the rates on the statement when it arived i would have carried on paying my monthly dd unaware that i was paying over £20 a month more than neccessary.

Unfortunely looks like i might be fighting to get my money back in the courts though. as the only defence that the guy offered was that i couldnt use my call recording if i hadnt told the agent i was recording..... Madness!!!

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With respect EmmaThomas (and I do sympathise with your situation - your bill does seem huge), no-one can help if you don't respond to the questions that have been raised by us. We need more information before we can say what the problem is likely to be. I realise you are extremely angry with NPower but anger won;t solve the problem unfortunately.

NPower cannot cut off your supply if you have children under a certain age, I believe. And in any case they would need to go to court first to apply for a warrant (unless your meters are outside). In which case, you can appeal against the court granting a warrant - the judge is likely to rule in your favour and you would be able to pay the debt back slowly without having a prepayment meter fitted - I share your dislike of prepayment meters; I wouldn't want one either. However, this is all dependant on the arrears calculated being correct. I doubt it is - but without your answering questions we have asked earlier, we can't get any nearer resolving that.

 

PS: I am not trying to be preachy, I sincerely hope we can help sort out this problem for you.

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i took the meter readings when i moved in, me and my landlady went round together. I agreed the units with npower over the phone in december, so i have no paperwork to state what the unit costs were that i agreed to. bearing in mind this is my first time dealing with my own bills like this.

 

my first bill i revieved from npower had the correct opening units on in, but the final readings were estimated so i rang up and gave the correct readings and this doubled my bill to £655

 

my meters are outside in those flimsy lockable cupboards

 

child is 6years old, is my partners son, and stays with us mostly every night.

 

I have even checked my meters to see if they are the new ones and not old ones that have been recycled to see which volume i am being measured in.

 

Hope this helps answer a few of the questions

 

Thanks

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Hiya, Wondering if anybody can help me?

 

Got my quarterly bill from npower and it is £650 for gas and electric. My house is less than a year old, has A rated appliances, gas central heating on a thermostat, cavity wall insulation, uvpc doors windows etc, and a 3bed semi.

 

This to me sounds rediculously high and they want me to pay £158 a month which there is no way i can afford as i am going to uni soon so will be a poor student. They said the only other option is to fit pre-payment meters but my landlady wont let me and i hate them. My husbands wage will just cover the bills and thats it.

 

Just wondering where i stand? I tried to switch providers but they wont let me because of the outstanding balance.

 

I was told once by edf that an energy contract is a 30day rolling thing and that they cant make you pay any more than what you can afford.

 

Just wondering if anyone knows what i can do about this?

 

Thanks in advance :confused:

 

 

i pay 135 month direct debit for my gas and electric and im in a new house rated a and all my appliances are rated aa im out every day at work and my kids are at nursery my mum has them two nights a week cause i work late them days and were always out and about at weekends i hate a hot house so the heating is never on and im a single mum i think the energy companies are screwing us all

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Emmathomas, what period was this bill for? How is the amount supposedly due broken up between gas and electric?

Also, how are you paying for your gas and electricity? Quarterly on receipt of the bill, Direct Debit or some other method?

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Hiya, it was quarterly on reciept of the bill, when i set up the account they said that as they wouldnt know my usage to ring up when i get the bill to arrange a re-payment plan. The bill was for 23rd december to 23rd April (had to ring in march when i got the first bill and give accurate readings as they only had estimates).

 

The ammount owed for gas is £312.39 - 522 cubic meters first 22785 at 9.016p and the next 3028 at 2.488p.

 

The ammount owed for electric is £312.39 - (from 23/12/08 - 30/03/09) - 1829 kwh used based on the 1st 196 at 15.52p and the next 1633 at 12.91p - (from 30/03/09 - 23/04/09) - 452 kwh used first 48 at 14.65p the next 404 at 12.19p.

 

It just concerns me as when i lived at a preovious house because it was rented there were pre-payment meters and i used 40 on electric and 50 on gas a month even during winter, bearing in mind this house was a very old terraced with some wooden windows, older appliances and one window that didnt shut properly!

 

Thanks again

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Do you have an old dial type electric meter EmmaThomas, or an easy to read meter? And does it have three readings (plus the total reading), two, or only one?

I am wondering whether at some stage the electric meter has been misread.

 

With the gas meter, do you know if your meter is a metric one (will have letter M squared on front of meter and have five digits) or an old imperial one. Once you have found this out, check out the bill to see if your supplier are billing you in line with the meter. Sometuimes they get this wrong and this would mean your bill being way out.

 

Other than these things, I am not sure quite else coulkd be wrong. Perhaps the meter itself isn;t working correctly? Unfortunatelty, I am no expert in knowing what to do if this is the situation. I believe you can go through all your appliances with your supplier and then see if they are likely to be using as much as what you are being billed. I believe you can also have a test meter installed for the electric, to see if your current meter is working correctly. I understand though there is a pretty hefty charge you have to pay, if it is subsequently found to be correct. Therefore, I think this should be a last resort if nothing else is found to be wrong.

 

Any thought, anyone else on what could be wrong?

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My electric meter just has one line to read from with a dial that spins at the bottom but you cant read anything from it and my gas meter reads m3 on it with one line to read from!

 

Sort of come to a full stop i think, I have double checked my appliances, they are all AA rated. I have a few energy saver light bulbs, dont leave things on standby etc....

 

Luckily though i think my application to transfer to scottish power has gone through, they have asked for a start reading for electic and have said my gas should follow on the 26th june, fingers X-d. They want £70 a month by DD for gas and electric, based on the highest level of consumption for a house my size/style, then i cn start re-paying npower at a reduced rate!

 

Thank you for everyones help by the way esp mattlamb

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