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    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
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    • I would add, many companies have done everything possible to manage and carry on in difficult Covid19 circumstances to supply customers with what they need.   Continually making excuses for delays is not what I'd want from an installer and maybe the £100 deposit is not so important.   Get this deposit back if you can but, more importantly, find a local installer recommended by family or friends to carry out the works.
    • Hello all,   I hope you can assist me, as I am quite lost and confused at the moment.   Two years ago I moved to my actual flat. Throughout this time I have been with EDF first and now EON. When I moved in, my landlord didn't quite know which one was my meter and I picked the one that I believed was mine (now reading you I know I should have done a burner test..). During this time, I have been paying my bills and submitting the numbers that I believed mine, which actually agreed with my consuming patterns.   Today, all the meters appeared with numbers, but the one next to the one that I was using, which appeared with a different flat number. As you might have guessed, none of them had my flat number. I have just made the test and it looks like that one may be mine.   Now, how should I proceed? I have been paying bills is not like I wanted to avoid paying, but clearly there has been an issue. Could you please advice me on how to proceed?   Lastly, in terms of meter serial number, the one that I was using matches my bill and I guess my neighbor bill. The additional doubt I have is, who is paying for my meter and why are they still providing me with gas if no one is paying the one that seems to be my real meter.   Many thanks!    
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      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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Mortgage Help Needed Please


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Im self employed in the building trade which has been decimated in the recession The work has has not been regular as it used to be

I wrote to Cheltenham & Gloucester B Soc asking for help They sent me an income and expenditure form which I sent back to them recorded delivery

Ive received a letter this morning they said they have not received the income and expenditure form I now have arrears of approx £8000.00 going back to two years ago when the recession first started They want the arrears paying within 7 days but are prepared to come to an amicable agreement

I wrote a couple of months ago to them but as yet have not had any help from them and they want the arrears paid off while still maintaining the monthly instalment of £1055

Could anybody please help with what I should do now

I did ask them in my letter if I could have reduced monthly payments for a while until my situation improved but have not had a response

Any advice would be appreciated

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Hi

You have not stated if you are on a capital repayment mortgage or an interest only mortgage. If you are on a capital repayment mortgage you could ask to be transferred to an interest only option but this step should not be taken lightly and to be honest I would do it only as a last resort. If you transfer to an interest only option it means you will be paying off the interest only part of the mortgage and at the end of the term you will still owe the capital,(the original amount).

I would firstly ring C&G and tell them to get their a---s into gear because you sent them the income and expenditure form via recorded delivery and you have not had it returned so that means they do have the form. Hopefully you have kept a copy of the income and expenditure form so they could do it over the phone with you.

Also state to C&G that the government has made it quite clear that lenders should do their utmost to avoid repossession, so you hope they are taking the government's view seriously and working towards helping their customers in a difficult recession. Hope that helps.

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Any letter you send to them should be sent by recorded delivery and keep a copy of the letter together with the proof of receipt which you can print off the royalmail website.

 

If you need help with constructing a letter let me know.

 

Ell-enn

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No problem, will post up later. What do you want to ask them to do? switch you to interest only, add the arrears to the end of the mortgage etc?

 

I have affixed the budget sheet we use, you will need to send it with the letter.

 

Ell

Budget Sheet.xls

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Hi totally agree with Ell-enn, keep a copy of everything, every letter you send, recorded delivery proof. Try to do it all by correspondence but if you do speak to someone on the phone take their name and write down the date and time you spoke to them.

One point to take into consideration is if you want to consolidate your arrears and the lender will not always allow you this option but if they do it means you will pay interest on those arrears over the rest of the term of the mortgage. At this time you might feel okay about that but it certainly is something to take into consideration. I personally would ask how much the monthly payment would be if you went interest only. It does make a difference and then decide from there. To ask you to pay arrears when your monthly rate is already high is stupid of C & G.

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Thanks for the replies

I would like to ask them how much they could reduce the present payments by if the mortgage is left as it is and also how much would the payments be if it was switched to an interest only Would the arrears be able to be added to the mortgage at all as you suggested

I did ask them in my letter if they could help by reducing the payments at all or maybe give us a payment break but they have not answered that

Thanks again everyone for your help

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Hi, affixed is the letter - make sure you send by recorded delivery and keep a copy of both the letter and the budget sheet. Also make sure you print off the signature receipt from royalmail website.

 

Ell

Mo the cow letter.doc

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When you ask for the arrears to be added to the mortgage the lender will sometimes do this but they look at how much the arrears are and if payments are usually paid on time but if they do add the arrears to the mortgage it will increase your payments a bit. It is unlikely they will reduce your current payments unless you have a mortgage which allows payment holidays. You can check that on your KFI (key facts illustration) or your mortgage offer paperwork.

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Hi

Didnt expect to be on here quite so soon but received another letter this morning that the account has been passed to the recoveries department and from now on I should write to them as they are saying legal action will start in15 business days

Im pretty worried now and dont know what to do

Any advice or help please?

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Hi there, does the Recoveries Dept have a different address to the one you sent the letter to?

 

Ell

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I meant for the reply their getting a bit heavy now the building society

but have asked them for help before so dont understand it really thought

theyd be a bit more helpful new govenment initiative and all that

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Haveyou checked that your letter was received ? (on royalmail website)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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It's understandable that you are anxious in this situation. I can well imagine how stressful it must be for you, however you know you can come on here and get support whenever you need it :)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Thought Id let you know that Ive heard from the building societyThey are prepared to drop the payment by £200 per month but it now going to litigation as they are refusing to add the arrears on the end of the mortgage

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Just wanted to say that regardless of any government initiatives theres no real help when your hours are cut or your inand out of work when youre self employed because of the recession

Ive sent letters to the Cheltenham & Gloucester an income and expenditure form but at the end of the day they are not interested wont entertain a payment holiday An interest only mortgage will only make a difference of £200 per month and they still want the arrears clearing at the same time so there wont be much difference

So after all that Ive not got anywhere

Sorry to go on but Im absolutely fed with all this I think its the fact as well you do think at the time they will help you but the reality is a bit different

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