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    • Just an idea, why not have a wind turbine and some solar panels installed and produce your own energy, even get paid to put some back into the national; grid!   I'm happy to pay the water companies for providing clean drinking water direct to my house, otherwise I'd have to go down to the river, collect some water, then cart it back home and then treat it in order for it to be safe to drink.   Same goes for my gas and electric, electrickery is a dark art, I'm not even sure how I'd begin to make that least of all contain it?   And I'm far too lazy to dig into the earths crust to extract my own gas, so I'm happy to fund someone else to have that headache and provide me those resources.
    • the company is parcelbroker.co.uk  some of the problems were caused by brexit over Christmas but there were so many problems it became a comedy of errors! I really just want my phone charges repaid. i contacted EE and they have agreed to repay £30. I think its reasonable for Parcel Broker to pay the other £50. it was never made clear when calling them that it was a premium rate number. They never rang me, I ALWAYS had to ring them..
    • I wouldn't be tipping them off about anything that could be one of a very narrow range of issues with things.
    • I am being harrangued for a debt I don't owe whilst in hardship by EDF, who was given this household's supply by OFGEM when it closed down several small companies in 2019. Unbelievably, this is happening during cold months and a full strict lockdown!   I consider that this is a crime on several counts: 1) fraud by nondisclosure, as per 2006 act: that free energy exists and that patents have been suppressed to help us use it, thus giving the illusion that energy can only be supplied by for profit companies (the same is true of water), when it is a naturally occurring, God-given free resource which has been harnessed and sold back to us, and it's hard to avoid or find alternatives 2) the energy industry is a form of modern slavery as per 2015 act, holding us in lifelong custom: something we need, can't easily find an alternative from or not use. This supplier took over without consent or knowledge or warning and will not relinquish me without paying them; but the amount grows as they continue our abusive relationship 3) as utility acts such as the 1989 and 1990 clash with inalienable natural Common Law and the Universal Declaration of Human Rights of 1948 and various other laws, some to be listed anon, that the so-called powers given to energy companies to gain money and bully are not lawful 4) removal of energy takes our rights (as in the UDHR) to eat, wash, be warm, work, communicate, and have leisure and enjoyment. Particularly, it can cut those off who rely on the internet and battery operated phones, thus making them vulnerable, and causing a snowball effect 5) cutting off, or the fear and bullying around doing so and 'recovering debts', causes mental and physical suffering, as well as great inconvenience and loss. a) These are recoupable in monetary terms of the claimant (ie customer's) choosing b) this amounts to constructive demise or manslaughter  - including attempt and conspiracy to commit this serious crime (attempt and conspiracy apply for all the others below) 6) asking for money in a way which is upsetting, intimidating or distressing is another criminal offence under the Prevention From Harassment act of 1997 - and most debt demands fulfil this, and are not incidental, but designed to cause fear in the way they are worded, in the design of the 'red, urgent' envelopes, in the vagueness of who and where the collector is, offering a generic phone number; bluffing about their powers and a warrant; coming to the door with hand delivered envelopes to embarass in front of household members and neighbours; and the way they appear at your door to actually collect or tamper with supply 7) There is Aggravated Trespass under the criminal justice and public order act of 1994, where if you have given written notice that implied access to your property (I include remotely, in the case of smart meters), to enter the premises (including outside areas) without written permission and especially with ill-intent, is a further summary, ie imprisionable offence 8) this is also exhortion and blackmail 9) it is an aggressive sales technique, no different from drugs barons and loan sharks 10) a prepayment meter is just another way of forcing debt repayment, and as the customer doesn't set the amount, if they do not have resources they are still left without power and heat 11) this is closely related to the data and surveillance and weaponised energy of 5G via smart meters, and so this is a) espionage b) mass experimentation under the Nuremburg code of 1948 c) biowarfare 12) it is also breaking and entering, if they force or pick locks 13) any physical abuse has other crimes - such as battery, grevious bodily harm, assault 14) lying or tricking to gain entry is also a crime 15) their involving your neighbours breaks confidentiality, such as asking about you, getting them to let them in. This is against their industry code and 16) during lockdowns and other restrictions related to covid, they break the coronavirus act 2020. Utility workers are only classed as keyworkers when they are keeping a supply running and safe. They are not permitted to work or travel to harass and cut off - this is especially reprehensible during an extended pandemic when so many are anxious have weakened immunity, and financial difficulties. When most of us are not meant to see loved ones, especially indoors 17) if the operatives are masked - this includes a locksmith or any enforcement with them - this heightens the offence as, despite covid guidance, it is done with criminal intent and knowingly a) makes them look sinister, thus adding to fear of the customer b) hides their identity and obfuscates justice 18) any persons involved, including administrators and the judge who created any warrant 19) to exaggerate one's legal powers is also an offence   Furthermore, utility companies send out - and sell out - debts and debt collectors who have no knowledge of the communications between the company and the customer; such as whether they are misbilled, or even the right person. I also believe that poor service, such as being ignored or bullied, means a rebate on the 'bill'.   The ombudsman have consistently exacerbated and failed to put right, and OFGEM's policies have added to this too.   We need to take the power back into our hands; to choose our energy source and provider; to harness free, safe energy.   I am putting EDF staff on notice for all these.   Has anyone else had any similar trouble for this, especially in the last year? I would like to know the extent of the problem   I am considering class action. An expression of interest in no way commits you, especially financially.   You may be interested in my piece at https://elspethr.wordpress.com/2020/08/22/expulsion-from-the-garden-its-time-we-took-our-energy-back/, via which you can get in touch  
    • No, there is no ombudsman for this kind of thing. It's a huge industry with a lack of regulation which is why it broadly speaking does what it wants without a lot of regard for customers. You haven't addressed the question which I put to you in my last post.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Graduate loans


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Having received a job offer (not in writing until CRB check and references have cleared), I really need to get a loan to buy a car (it's an essential car user position).

 

I've gone to my bank (Abbey) to ask about student loans, and after 2 hours of flaffing about with conflicting advice, I was finally told that I need to be in the job before I can apply.

 

Basically, I need the loan (about £3-4k) ASAP, but I need the payments to start in a couple of months time (after I get my first pay), which I thought was the whole point of a graduate loan.

 

My overdraft (£2000) is maxed out and ideally I do not want the hassle of switching banks, but will do if I must.

 

Finance is not really suitable, as I will be using part of the loan to pay for insurance as well.

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Hi there,

 

I think this will largely depend on your credit record. I have just graduated uni but have had a car finance agreement for £9000 since March 2008 with no employment. My parents pay for the car for me; however, the finance is in my name and I had no troubles. Do you know if you have had any credit problems in the past e.g. defaults, etc. Also, a maxed overdraft might hurt your chances a little. My advice, go and chat with a specialist car finance provider - Santander Consumer Finance are pretty good despite owning Abbey you might get quite a different response. At the end of the day, it might just be the recession, no income and no assets is higher credit risk for lenders.

 

Final suggestion is try Zopa, it is a community lending website and probably the place where you will stand the best chance as they offer young people loans.

 

All the best,

 

TFT

09/07/09 :)Business Studies BA(Hons) 2:1:)

 

eCar Insurance overpayment - £325

Settled in full - 15/09/08

NatWest Student A/C bank charges - £260

Settled under hardship scheme - 08/06/09

Natwest Business A/C bank charges - £60

Settled in full as GOGW - 20/04/09

Santander Consumer Finance late payment fees - £60

Part settled for £48 - 01/03/08

Peugeot Finance late payment fees - £50

Settled in full before county court hearing - 01/09/09

Peugeot Finance overpayment of £247

Settled in full - 01/12/08

Valley Leisure - complaint about collections agent

£160 part refund of gym membership in compensation - 01/02/09

HFC Bank - complaint about payment deducted from my account on wrong date

GOGW £10 - 01/05/09

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Well my credit rating seems OK. I've had CCJs in the past (more than 6 years ago) which I am still paying, but I got a store card recently with no probs (only because my brother has a part time job in that store and needed 1 application to pass some target). I've also passed a credit check in the past to work for a bank so I think I'm OK.

 

The reason why this is peculiar is that the job I have is an essential car user from near enough the outset.

I only passed my test a few months ago and have not driven since.

I therefore need to have a car before hand to get used to it and driving again.

As I'll be waiting a month or so before a pay check, I'll also need some of the loan to pay for insurance and day to day essentials - that's why I asked about a graduate loan. Car finance by itself is not really suficient.

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Your best bet would be, if you can get it a MBNA or Egg 0% card , both of these you can transfer funds into your bank account and spend as you wish with no interest to pay for 15 months, just the minimum payments. Both these give generous credit limits. In 15 months you will have an income and be able to get a loan to transfer the balance.

 

The difficulty will be that at present you have no income, and the process is automated.

 

Have you thought about leasing a car for a while, or HP which is expensive, you could also put your insurance on a monthly DD.

Does your new employer offer assisted purchase vehicle loans, although to be eligible you will most likely need to be out of your probationary period.

 

Barclays I beleive are one of the easiset graduate accounts to get.

 

Good Luck and congrats on the new job.

Consumer Health Forums - where you can discuss any health or relationship matters.

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