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    • Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
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      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.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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
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payday loans mayhem **


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I have five of these, probably totalling 1K in debt before interest, this has now become unmanageable, have changed debit card so they cannot take anymore money out.

 

I am with payday express, payday uk, quick quid, pounds till payday and wonga.

 

What is the next procedure to follow to resolve these, I obviously cannot afford the interest on top but willing to pay the capital, but don't have a lot to offer, possibly £10 a month. Do I send off CCA's, await defaults and sending to DCA's?

 

Saul

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Hi Saul1664, welcome.

 

I have two that you are talking about.

Wonga, I have come to an arrangement with so that fine. You really need to get in touch with them and sort it out. I would email the collections dept and explain.

 

Quickquid - these are being a pain. Wont accept anything from me in writing always want you to phone etc., dont do that!

 

I have tracked down an address where you can send a letter with offer of payment and your payment. It is not the london address the one I have is their collections office.

 

When you email them they will tell you to phone and make arrangements - dont.

They will try and set up a payment plan for you but I found they would only do it over 3 months - I couldnt afford that either.

 

QQ will try and take money from your account until the payment plan is set up, so make sure they do not have a dd on your account, cancel if you can.

 

I havent waited for CCA's or DCA to contact me and have sent them a letter with a token payment which will continue until a suitable payment arrangement is made that I have stated what amount I can pay.

 

Or you can contact CCCS or Payplan and they will give you some advice (free).

 

Hope this helps.

 

I do have bank account details for Wonga if you need them.

 

Bub1

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PDP will annoy you with calls for a few weeks, no point in discussing with them as they will try and bully you.It gets better as they generally pass to Clarity to collect and they are a reasonable DCA to deal with.

 

Also be careful as these companies have been known to get money from cancelled cards.

 

Best of luck.

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if it is dated before the loan is even due i would recommend using this against them. I dont know how best to do this, if you should complain to the finincal obustman or ?? but one of the experts on here will know best.

 

With regards to payday uk, i had issues getting them to ackowledge that i wanted to resolve the issue. They passed me into there inhouse debt collectors (keyes whitlock) who were very agressive. I recommend you email them everyday with your offer of a repayment plan (try make it decent-ish i.e more than £25 if you can afford to, otherwise they just laugh in your face) until you finially get acknowledged!

Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

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

 

:smile::p:rolleyes:

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