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    • Hi All, newbie here, hope I'm doing this correctly.   Two years ago the wife was using my car and bought a ticket in a train station car park and displayed it on the dashboard. She returned to find a parking charge notice from Excel. It was a very windy day and it had evidently been blown on the the floor of the car as she left. It did not have a self adhesive part to stick to the window. I subsequently followed their online claim procedure and sent a copy of the ticket but the claim was refused. A couple of days ago I received the County Court Business Centre claim form in the post after presuming it would go away after not hearing from them for about a year (the usual threatening letters from debt recovery companies etc).   I wish I had paid the original £20 as this has been a big worry and hassle, but I just ignored most of the letters after reading stuff online. Obviously I want to dispute the whole of the claim but do I have a decent defence? I would cite the fact that the only reason the ticket was not displayed was that it could not be stuck to the window.   Any help and advice would be greatly appreciated.   Name of the Claimant : Excel Parking Services   Claimants Solicitors: Unknown   Date of issue – 08 July 2020   Date for AOS - 27 July 2020?   Date to submit Defence - 10 August?       What is the claim for – Breach of contract - parked without clearly displaying a valid parking ticket in Brewery St car park, Chesterfield on 02.07. 2018. Defendant has failed to settle the outstanding liability and Claimant seeks recovery of of the parking charge notice, costs and interest       What is the value of the claim? £185.00
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    • Can I just ask only because I do panic about stuff like this.  More because of the affect it has on my husband.   In 2014 when my husband was at his worst and NatWest got the charging order on our house (which was then repossessed) we had to stop using our NatWest bank account which we did.  When we signed up for credit reports in January we noticed our NatWest bank account was being reported on a monthly basis so we decided to close it.  My husband and I went into a branch and closed it.  We had 4 accounts, 1 for everyday banking and 2 savings and 1 was the loan.  She said she could close the 3 accounts but obviously not the loan.  She said she’d transfer the money from the 2 savings into the main bank account and give us the money then shut all 3.  We were gobsmacked when she gave us over £1000.  We never thought we had money in the accounts.  Can this be used against us?  The 3 accounts are now shut and marked as settled on our credit file.
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Hi one and all,

 

I am hoping that somebody on the forum may be able to give us some help/advice on a problem with Npower.

 

Our daughter has been a customer of Npower for some 18 months.

She was paying for her dual fuel by direct debit each month amounts at this point we do not know.

She did not receive any statements for 12 months,

 

then she received a letter to say that her direct debit payments were not enough to cover her usage (why wait 12 months to tell a customer they are not paying enough).

 

They wanted her to increase her monthly direct debit payments to £160 which as a single parent with 2 small children (6 & 3 ) was an impossible request,so she therefore cancelled her direct debit.

 

After a telephone conversation with Npower our daughter agreed on a payment plan of £29 a week for 12 months after this time the remaining arrears would be written off.

 

She found arrangement very difficult to keep to, as a result has not been keeping up the agreed plan payments.

 

She has received a letter fom Npower today 27th June demanding a payment of £1,585 to pay what she owes.

 

Our daughter phoned Npower today and was given the following options to repay the debt.

 

1.Prepayment meters be installed not possible landlord would not allow.

2.Or pay the outstanding debt.(Not possible as I am a single parent on benefits).

 

Any help or advice from the forum will be much appreciated.

 

Regards

Ian

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if she did not receive any bills for the 12mts prior to this demand, they cannot enforce payment.

 

part of their own energy industry guidelines

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes, she does - NPower can enforce payment for up to 12 months. Jack states this is the period of time that her daughter didn't receive a bill.

 

Have NPower used estimates or proper meter readings when working out wjhat your daughter owes, Jacko. How much was your daughter previously paying by DD?

 

Also, did NPOwer use the correct readings to start your daughter's accounts on - some 18 months ago?

 

I suggest if your daughter did not receive any bills/statements for such a long time after moving to NPOwer, that NPower's rec ords may well be incorrect - meaning there may be problems in how the accounts have been billed.

 

In short, your daughter should not pay or agree to do what NPOwer wants, until she knows the bills are correct.

 

If she thinks there may be a problem, she should raise a query to that effect wuith NPower immediately (and maybe pay what she thinks is a reasonable amount)

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Hi Matt,

Thanks for your reply,

I am trying to get some more info from our daughter as things at this stage are a bit vague.

 

We do know that she went over to Npower by a salesman calling and making all kinds of offers to get her to change to Npower.

 

She was paying DD gas £20 electric £30 a month.

 

She had been paying these amounts for quite some time about a year or so, then out of the blue a year later a letter arrived saying she owed in excess of £800 and that her monthly DD payments where not enough.

 

What we cannot understand is why Npower took a year to tell her that she was not paying enough for her duel fuel surely they must take some of the blame for escalating the bill.

 

Ian

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Hi all,

my daughter is getting harassed by Debt Managers (services)Ltd

 

This issue with Npower has been going on for some years as my daughter disputed the amount owing and has asked Npower to prove the amount owing,

 

she has requested this many times but Npower have never responded to her.

 

She is now getting letters from debt companies,

 

how should she respond.

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IGNORE the DCA's, has Nopower marked her credit files?

 

How far into their complaints procedure have you got, if at all?

 

Have you WRITTEN too them demanding they settle the dispute?

 

You say years, how long, and when did YD leave them?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I will answer your questions as best I can.

 

She has not responded to any DCA'S letters.

 

As for Npower marking her credit files I have no idea at this moment in time.

She as far as I know not entered into any complaints procedure.

 

It's about 5 years since she left Npower, it was one of those cold callers for Npower and she signed up with and took the bait.

 

She has not written or made any contact with Npower,

she did not think it would be worth it as they do not bother responding to any letters.

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Well, the first thing to do is to check her CRF, see what's on there, and who is currently chasing.

 

If it's 5 years since the billing disagreement then Nopower clearly don't want any money.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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old thread merged for history


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Ah ha, now it makes sense!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I'm inclined to ignore them.

 

Until or unless they issue a court claim it's pointless letter tennis.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Well, the first thing to do is to check her CRF, see what's on there, and who is currently chasing.

 

If it's 5 years since the billing disagreement then Nopower clearly don't want any money.

 

Apart from Debt Managers she was receiving letters from Wescot's the first being Nov 2016 the last Dec 2016 then letters from Debt Managers, so I assume that Wescot sold the debt on.

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nope Npower don't sell debts on

 

debt managers are not debt buyers

wescot are not debt buyer.

 

both their letters will say our client Npower


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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one thing to tie up...

 

is she still at the same property?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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one thing to tie up...

 

is she still at the same property?

 

No she moved from the property that this refers to is 6 years+. Yes both letters do say our client.

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This is just an historic debt on NPowers accounts that they are unsure they can recover. They have farmed it out to a DCA to chase, but it would be up to NPower to try to enforce via a CCJ, if they thought it was possible.

 

I suggest asking the Bank ( daughters account) where payments were made from to NPower to check when the last payment was made. Perhaps it was not within the last 6 years, so the debt would be statute barred. If necessary ask the Bank for copy statements for the period when the last payment was made to NPower.

 

Ignore the DCA, they can't do anything.


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I wouldn't give it another moments thought.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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do npower know her correct address?

if not there is a risk of a backdoor CCJ.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I cannot say that they do know her current address, all she keeps getting is letters from DCA'S.

 

We have these letters going back two years.

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if she has not informed npower

simply send them a letter.

if she thinks its now statute barred

which I think it now is

then send our statute barred letter to npower

kills 2 birds in one!


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Help or advice needed please.

 

My daughter moved house more than 6 years ago,

she has recently started getting letters from Westcott for a debt owed to npower.

 

She recently contacted (April/May)npower disputing the debt.

She sent a statute barred letter to Wescott's,

 

their response was as she had made communication the statute barred does not have any bearing on the debt.

Edited by dx100uk
Spacing

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If the debt is 6 or more years old, then just ignore them.

 

All they are saying is that although they could not take the debt to court, they can still write out chasing it.

 

Just ignore and they will stop writing.

Edited by dx100uk
Quote

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Posts made on someone else's thread moved

To your own existing thread

 

Now read it again from post one

 

Who are wetcloths client?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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