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    • Birmingham council are wrong.   However, you probably left yourself open to this problem by not changing the keeper details.  You should do this now.   Also are there any other lurking problems which could come up and bite you?  You should make proper arrangements to redirect post or to inform creditors etc. This is the kind of scenario where you end up getting backdoor CCJs which then become difficult to deal with
    • What do I need to send on SAR? Do you have an email from them ?    I have 1 year with them .  I ve been made some international transactions because I ve been buy a car and a house I was need to send monthly money . I m a self employed, so I earn my money by myself . I didnt do nothing wrong with them . When I open my account I let them know that I m self employed and I can prove that .   I m in a desperate situation as I m not having any money for my company that I just open to can run 
    • Birmingham City Council,  told me because the car is on my name I am responsible  for it and I can't have anyone take the blame.  
    • Send them on SAR immediately. Do it today. Read up on this forum and elsewhere on the Internet about crifas. How long have you had the account? Have you been having large sums of money going in or out recently – especially paid in cash? This kind of unexplained behaviour generally relates to something that triggers a suspicion that your account is being used for money laundering or some other kind of fraud. If that's what has happened then you will find it almost impossible to get information about it and also almost impossible to find out when your account might be made available to you. If a CIFAS marker has been applied to your account, the bank takes upon itself absently Draconian powers and you will scarcely even get any assistance from the FOS who quite frankly are simply a poodle to the financial services sector
    • In addition to dealing with the individual problems that this person is creating for you, you obviously need to deal with it holistically because there is a problem of identity fraud which may well continue and will certainly affect you and your family throughout your lives. Nobody should underestimate the seriousness of this kind of thing. Although people will commonly apply the label of "identity theft", what you are actually dealing with here is "identity fraud" and it is well understood in academic circles. The police were quite wrong to say that there was nothing they could do. I'm afraid that this reflects under-resourcing coupled with poor staff development and a poor attitude. There are offences being committed here and the girl herself is committing fraud contrary to sections 1(2a), & 2 of the Fraud Act 2006  https://www.legislation.gov.uk/ukpga/2006/35/contents   Of course the police will find it very difficult to do anything and given their resources, I suppose they have other priorities. However, you could be certain that if your family was related to the head of the local police force, they would be dealing with it PDQ. You say that this has been going on for a number of years – but you don't say how long. Maybe you had better give us a detailed account of what has happened. Please set out in a bullet pointed chronology so that we don't have too much narrative but a good structured idea of what has happened. This should include a list of the problems which have occurred and how they have been dealt with and also complaints which you have attempted to make. You definitely need to start taking this very seriously. How old is your daughter? In terms of opening mail, you should open every letter that comes to you and if you find that it is associated with this fraud, then you should photocopy it/scan it into a computer and start building up a file. I hope you have kept some of the correspondence and other documents which you might have received. Please let us know what you have. You are definitely going to have to start accumulating a robust file of evidence and I suggest that the first thing you do is you start sending SARs out to all of the organisations which have been involved and see if you can tease out of them any personal data that they might have which is apparently linked to you. Either they will provide you with a statutory disclosure – or, of course, it will be amusing if they say that they are more proof of your identity and that they won't let you have the disclosure because they are not satisfied that the data they have relates to you. I don't think you're in a position to make any serious complaint until you have put together a convincing file of evidence which shows that there is systematic identity fraud. We will help you to start to do this and help you to structure the file that you will put together and then we can begin to explore avenues to make a complaint. It also occurs to me that they could be a basis here for making a complaint under the Protection from Harassment Act 1997 although this would be an unusual application of the act – but we can have a look when you put together your file.  
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Newbie asks help again: BCW and Npower send meaningless "proof" of debt.


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Hi everybody, I’m posting here the latest updates about my problem with Buchanan Clark & Wells.

Couple of years ago, I stayed in a flat in London for about six months and a half, always paying all my gas bills from the beginning. Now BCW says that I have to pay £280 for unpaid gas bills, for the supply period that goes from 01/12/2006 (the day I moved in the flat) to 04/08/2009 (despite the fact that I moved out of the flat on 16/06/2007!).

So:

1) they are saying that I never paid a single gas bill (for the period of time in which I was actually there, 01/12/2006 to 16/06/2007) and

2) they want me to pay for more than 2 years that I wasn’t in the flat anymore (from 16/06/2007 to 04/08/2009).

 

(Here’s the link to my first topic, which explains the beginning of the story in more detail)

 

Anyway, the people of the forum explained to me that the best thing to do was to send a “prove it” letter, so I did, and now they sent me this document that it’s supposed to prove my debt.

 

I don’t see how this thing can prove that I was using their gas for 2 years after I moved out, or that I never paid my bills for the six months that I was actually there.

But I’m not sure of how things work, so I wanna ask the people on the forum if they think that this document they sent me is enough to prove that I owe them money.

Also, on all the documents I received from BCW and Npower, one letter of my surname is wrong, could I use this to just say that this person is not me?

Or, what happens if I just completely ignore them from now on and don’t take any action?

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What happens if you ignore the fools is that they will send you another letter every couple of months or so. Usually threatning all kind of terrible things will happen. Don't worry, none of their threats are real.

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Hi Huff&Puff, glad you are still following me in this.

 

What I'm thinking to do now is to send another letter with recorded delivery and let them know at this point that I left the flat more than two years ago, and that they are asking me to pay for the time in which I wasn't there.

I will also mention that sending this pseudo gas bill now doesn't mean anything, and it doesn't prove I was in the flat using their gas for the last two years.

If after this they keep sending me letters, I will ignore them I guess.. but can't they take me to court if I do like this? I'd really prefer to avoid that!

 

Also, again, can I just play on the fact that my surname is wrong on their documents? (there is only the surname, not the name, and that has one letter different from the actual one)

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You won't get anywhere by arguing with them.

 

 

  • They cannot read
  • Thy ignore whatever you have to say
  • They don't care if you actually owe any debt, they just want your money

 

 

They can take you to court, but it's easy to fight them if they do. It is highly unlikely that they would though.

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Well I guess I will have to try and send this letter, so at least I will have done my part regardless of if they ignore it or not.

I'm desperatly trying to contact the agency that let the flat two years ago, so they can maybe write up some document that states that I left the flat in summer 2007, not two months ago. That would be a proof hard to ignore I think...

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If you left the flat two years ago and they have only just now asked you for payment toward this, whether it is yours or not,then you can safely say that they will be unable to get a single penny off you. They are only allowed to get payment from you if it is within 18 months of the final bill being sent, I will try and find the relevant thread where this is stated, but it is on here somewhere.

 

Boo;)

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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Ok not exactly what I was looking for, but just as good.:D

 

http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/139145-thank-you.html

 

Read through the above link. But for ease here it is cut from the website;

If a gas company has failed to send out a gas bill, they aren't allowed to bill you for any amount which dates back longer than a year.

Gas supply

 

 

The Billing Code;http://www.google.info/forums/showthread.php?t=1576

 

 

Boo;)

Edited by Bazooka Boo

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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This is great news Boo, I'm really glad you found this old topic for me.

 

There is only one problem now: as according to them I was still living in the place in august 2009, they won't recognise that more than one year has passed and that they have therfore lost the right to claim any money over old bills. According to their clock, it has only been two months.

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That is their problem. You have set out the situation for them, if they choose not to believe you, then it's up to them to prove otherwise. Which they won't be able to do. If they continu to harass you now that you have disputed the debt you can report them to Trading Standards. That usually shut them up.

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There is only one problem now: as according to them I was still living in the place in august 2009, they won't recognise that more than one year has passed and that they have therfore lost the right to claim any money over old bills. According to their clock, it has only been two months.

 

OK it still doesn't make you liable to pay for a Gas bill that isn't yours.

 

I take it that when you moved, you changed your bank details, ie. you informed them of your new address? You have other utility bills that you were liable for, showing the date from and too?

 

Again, none of that is really an issue for you, it just gives you peace of mind that you know that you have proof that you were never in that property until the date they claim.

 

As has already been said, it is up to them to prove that you do owe that money, and not for you to prove that you don't.

 

If your credit rating/score is something which matters to you then I would probably check it just to make sure they haven't added a marker on it, currently incorrect entries on peoples credit files can have damages claimed for, which stand at £1000 per incorrect entry:D

 

If nothing else, a simple short letter stating that you were not in the property from DD/MM/YYYY and that the bill has nothing to do with you, and you await their letter confirming that no further collection activity will be taken against yourself, should sufice.

 

If they write back saying you have to prove it, then again, it is for them to prove that you were living there when they say you were.

 

Ofgem

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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The bill proves nothing.

 

I received seven bills in the one month all with different amounts ranginf from them owing me £500 to me owing them £1400, all based on their estimated bills - I don't think I have to tell you which way they went with the amount owing.

 

None of the usual CCA arguments apply and to be honest the 12 month rule on bills would be a very long shot as they seem very flexible with their dates

 

Make sure you keep your complaints in writing, don't even consider phoning their call centre, they will tell you it's been escalated when it hasn't promise you callbacks which don't happen and generally just try to pi$$ you off into paying them

 

I would suggest that you go through their (Npowers) complaints procedure to completion and then request NPowers final word on this matter. then go to the ombudsman, it's the one thing that seems to phase NPower, They settled on the morning the Ombudsman contacted them about my account.

Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

If you feel that have been helpful please feel free to tip the scales.

 

 

The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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Certainly as Spamheed says, you will need to use and exhaust their own internal complaints procedure before most other organisations will want to take a look.

 

Hopwfully by the time you have exhusted their own internbal complaints procedure they will come to realise, you aint budging and they are wrong!

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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