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    • considering it expires in Jan 2021 it looks like it has 2 insurances policies running on it at the same time, What a farce! each insurance company could blame one another this shouldn't be legal, but it looks like it is.
    • Just by way of an update, I am now being targeted on Twitter.   Today, two profiles have been set up and followed me, both were "here to call out Sue's sh*t".  Both have now been blocked.   I have clearly hit a raw nerve somehwhere 🤨
    • The OP could call Express to see if they will withdraw the claim if she restarts her claim and just pay the court issue fee.    Then everyone is a winner! 
    • Hi Stormy   I do wish you good luck but I'd urge you not to get over-optimistic about a letter from your GP having any bearing on the outcome of this.  I do not share London1971's view that such a letter will assist you in defending the claim against you - unless you are suggesting that the diagnosis is so bad that you aren't functioning - in which case you probably ought not to be working.  Is your GP going to say that you can't be held liable for a breach of contract, but that you're perfectly OK to continue working and to make significant decisions in other areas of your life?  I don't know.   Also, I'm uncertain where the question of bullying and harassment first surfaced in this thread.  You engaged them on a NWNF basis to pursue a claim for you.  Apparently they contacted (or attempted to contact) you a lot - certainly more than you felt necessary or were comfortable with, and you ended up deciding to discontinue the case.  But were they harassing you?  Again, I simply don't know because I wasn't there - only you were.  Most people complain that they don't have enough contact from their solicitors, not that they are being harassed by being contacted too often.  [EDIT:  I also think most people would associate "harassment" with behaviour that is in some way harmful or damaging to the recipient, and not with a situation where the alleged harasser is trying to act in the other person's interest and to their benefit].    And I'm not sure where the bullying comes from?  They're suing you because they think you are in breach of contract and that you owe them the costs and expenses they've already incurred - and that they cannot now recover from the other party because you decided to discontinue the case.  I'm no particular supporter of law firms but, unlike some people, I don't have "anti-lawyer" as a default setting.  If they've genuinely incurred costs acting on your behalf and in your interests, then I think they've got a more than fair case to recover those costs.  Threatening to sue you or actually suing you isn't necessarily bullying.   I honestly think your best chance of success is questioning the level and extent of costs and expenses they claim to have incurred and try to reach a mutually acceptable settlement.   As I've said before, I'm not intending to be critical of you in any way and I'm really sorry that all this (the original accident, hassle with the lawyers and now them suing you) seems to have contributed to all the stress you have to bear.  I'm really just interested in ensuring that you can see this problem from all points of view and that you don't place too much reliance on an approach that I think has only very limited chances of success.  (But of course - as London1971 has pointed out - there's no harm in getting a GP's letter anyway AND preparing a legal defence like BankFodder is suggesting AND preparing to think about settling.  They aren't all mutually exclusive and you should keep as many irons in the fire as you can.  Use belt and braces and don't just rely on one).   Anyway.  Good luck.  I'm frequently wrong and you may win outright!
    • I would go with the following....please feel free to amend or add.   WITNESS STATEMENT OF Baycloves.pdf  
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Fagin61

DCA advice please

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Hi Guys,

Not sure if this thread should be on the Utilities board. But got a demand from DCA ( Network Credit services ) on behalf of EDF Engery stating I owed £130 from 09. I am sure I have paid this. Can I SAR a utility Co? or any idea what my next move is?

Thanks in advance

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Forgot to add I am with a new supplier now, so need proof this debt existed.

Thanks

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Yes, you can SAR anyone who holds data on you incl. utilities.

 

However, if you know you had an account with EDF at some stage, in this case wouldn't it just be easier(& more econmical) to phone & ask them for a copy of their statement with details of the meter readings they are using? You can then use the figures to prove or disprove the amount they are claiming & if you think you have paid it, check your own records & receipts for payments made.


Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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As above also check end date of your contract against statement, British Gas tried to charge me for 3 months gas after I left them good job I got meter readings from Housing authority when they switched off heating etc.

 

dpick


cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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I think that you need to confirm that you have paid this bill through your own bank if you used online banking/DD to pay it. If you wrote a cheque, check you cheque stubs. It you paid in a post office/bank by cash then you should have used a giro payment attached to a bill.

If you have no means of checking this from your own records then a SAR is important.

The concern I have is that you "think" you have paid this and that you are not sure, unfortunately I have been in the position of not keeping good records in the past and have come unstuck myself, so it is a very good idea to get a good record keeping method. Online banking can be very useful for this.


Working to help set people free from debt.

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Thanks for the advice guys.

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