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    • In the autumn of 2020, I decided to change energy supplier from British Gas to EDF. This went through with no apparent problem but after approximately two weeks, I received a letter from EDF saying "Sorry you're leaving us". I contacted EDF to say that I was not leaving and was told not to worry about it, that they would resolve it and to carry on with monthly payments to EDF.    Approximately 2 weeks later, I received a text message from EDF to say, "Sorry you're leaving us". I contacted EDF again to say I was not leaving and was again told not to worry and that they would sort it out. Two weeks later I had a third message, "Sorry you're leaving us...". I contacted EDF again, but this time raised a complaint because it was becoming stressful and annoying. I asked them to explain why this kept happening. After some investigation by EDF, I was told that Scottish Power was trying to "erroneously take over" my gas supply. I confirmed that I wanted to remain with EDF and did not want to move to Scottish Power. I was advised to forward any bill sent by Scottish Power to EDF so that they could deal with it, and not pay it. However, I have never received any bill from Scottish Power until July 2022.   I was then contacted again by EDF to say that Scottish Power was trying to take over my supply because my gas meter was registered at my neighbour's address, on the energy suppliers' national database. I requested that EDF change the details for me so that I could remain an EDF customer but was told that only the existing supplier could change the details and that I would have to contact Scottish Power and request that they change the details. I reminded EDF that I had never asked Scottish Power to supply me and that as my current provider, EDF should take on this responsibility, but I was told on a number of occasions that EDF could not do this and that I would have to contact Scottish Power myself.   I have since learned that I should never have been told this. Ofgem states that if a supplier tries to erroneously transfer a supply, the two suppliers involved should communicate with each other to resolve the problem as soon as possible, and not involve the consumer. However, this is where the real problems started. I contacted Scottish Power at least 20 times over the course of 2 months, by email, online chat and telephone and spent a considerable amount of time trying to resolve this issue. The main problem was that Scottish Power refused to discuss it with me because "I did not have an account with Scottish Power". I explained on numerous occasions that I did not want an account with Scottish Power and that I just wanted them to change the location of my gas meter on the national database, but they persistently refused. Scottish Power was generally very poor at contacting me, I was doing most of the running. My neighbour, who is supplied by Scottish Power and has been for many years, said that this has been an issue in the past but Scottish Power has never resolved it. He said that when I asked EDF to take the supply back from Scottish Power, his supply was also erroneously transferred to EDF against his wishes, causing even more problems. During this occasion, Scottish Power compensated my neighbour but still refused to assist me.   I have evidence of some of the correspondence between me and Scottish Power but not all because much was over the phone and on online chat. Each time I contacted Scottish Power a new member of staff dealt with it and so they had to record the same notes each time, considerably lengthening the process. I asked if Scottish Power could allocate someone to own the complaint but because I did not have an account with Scottish Power, this was not an option. After numerous emails to Scottish Power from my neighbour, who was trying to assist with the situation - sending his meter details, my meter details and asking that the database be updated with my address - he was asked to send photos of my meter to Scottish Power. I had already been asked this by Scottish Power and had duly sent them but received no response. My neighbour then forwarded the photos by his email to Scottish Power and they replied asking him to ask me to re-send the photos directly, which I did for a second time. This was the last correspondence I had with Scottish Power about the matter. They did not contact me again.   EDF contacted me to say that they had concluded the matter from their end and requested that they close the complaint, to which I agreed. A meter reader visited sometime after to read both meters and I (naively) assured myself that the details had been changed and that EDF had resumed supply. My bill increased, and my meters were then routinely read by a visiting meter reader every quarter. My last correspondence with Scottish Power was on 9th November 2020, when I emailed the photos of my meter for the second time.   Twenty months later, towards the end of July 2022, I was on holiday with my family. I came home on 13th August to find 6 letters on the doormat from Scottish Power demanding £2134.89 for gas supply. They are addressed to "The Occupier" so they have obviously not referred to my previous correspondence or attempted to ever resolve the initial request to change my details. This is contrary to recommendations made by Ofgem's "Erroneous Transfers" paper produced in 2016. One of the letters even says, "Welcome to your new home" as though they have no knowledge of the correspondence 2 years ago. I have received another bill from Scottish Power today demanding payment and threatening referral to a debt collection agency if it is not paid. The above Ofgem paper states that erroneous takeovers should be dealt with by the two companies concerned and not by the consumer at any stage. But in my case, it has been me doing all the running, all the phoning, emailing, talking online, etc. Neither supplier has really done that much and I believe that EDF should never have told me that I should try and resolve this with Scottish Power; and when I contacted Scottish Power, they should also have taken ownership of the problem jointly with EDF and resolved it directly with EDF.   I have taken legal advice and been advised that as this is a dispute between two energy suppliers rather than between myself and a supplier, it is more appropriate for me to contact both suppliers, summarise past actions undertaken by all parties, and request that the supply be transferred back to my original supplier. This sounds hunky dory but doesn't actually help. Two questions arise in my mind... 1. Do i have to pay the bill at all given that it is addressed to "The occupier"?  2. Should I provide my name in my complaint (not yet sent) or simply refer to myself as "The Occupier"? 2. I know I can refer to back-billing guidance but my instinct tells me I shouldn't have to pay any of this bill because the supply was taken over without my consent, I tried numerous times to resolve it to no effect, and was led to believe that I was then paying for the gas due to the actions of both companies. Does anybody think I have a case here and any suggestions about how to pursue it?   Many thanks if you have managed to read this far. Even more thanks if you have any advice :-)  
    • several other threads here too they will give up  just retail loss scammers, nothing ever goes back to the retailers anyway straight in their pocket straight down the pub!!   just like DCA's.   dont forget your cars v5c!! too   you MUST write to anyone one your credit file or banks etc, esp if you have debts that dont show that you might have last used/paid within say 7 yrs esle you'll get backdoor CCJ's.
    • Our produce is likely to be smaller, odd-looking, or even leathery after the hot, dry weather.View the full article
    • Yeah haha I had to do my drivers license literally last week, had completely forgot. Thanks DX,  that's great if they are powerless, but will they ever stop sending letters? I've gotten two just in the last month.
    • stunning aurora going on 1st of the season ...red alert pix from as far south as nth london!   see the glendale aurora APP or Facebook.   ray to 25deg here in far nth scotland   dx  
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ruthbridge demands and threats


james C
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i recieved a letter from ruthbridge Ltd asking for a sum of money to be paid in full. the letter listed different ways that the money could be obtained from me.... I'm sure this letter is a standard letter sent out and many of you know the threats they are: county court order, Attachment of earnings and a charge order to my property.

the letter says

Our ref : bla bla bla

Client name : Cabot Financial Europe limited

Assigned from : HBOS

Regarding : Loan

Balance : £******

 

 

The letter says they are instructed by the above named clients... now i'm not sure who they are, is it HBOS or Cabot?

i did have a credit card with Halifax and would at a guess think they are the client. this card was back in 2001/2002.

The thing is i'm not sure when i last made a payment for this credit card nor who i made the last payment to. I'm not sure how to check or where to find out.

Can Ruthbridge do anything ie; county court order if they are only acting on behalf of someone......?

 

 

 

just been thinking about this debt and think this debt has been past about to a few DCA castle and link spring to mind but not sure......

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Send them a CCA request to see if they are entitled to collect this debt & if it's enforceable. If they fail to provide it within 12+2 days or the CCA is unenforcable you can legally withold any payment until they do. Send it recorded delivery enclosing a £1 postal order. When you get a reply, scan it & remove any identifying details and post it back here where we can have a look at it. We'll advise you from there; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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i recieved a letter from ruthbridge Ltd asking for a sum of money to be paid in full. the letter listed different ways that the money could be obtained from me.... I'm sure this letter is a standard letter sent out and many of you know the threats they are: county court order, Attachment of earnings and a charge order to my property.

the letter says

Our ref : bla bla bla

Client name : Cabot Financial Europe limited

Assigned from : HBOS

Regarding : Loan

Balance : £******

 

 

The letter says they are instructed by the above named clients... now i'm not sure who they are, is it HBOS or Cabot?

i did have a credit card with Halifax and would at a guess think they are the client. this card was back in 2001/2002.

The thing is i'm not sure when i last made a payment for this credit card nor who i made the last payment to. I'm not sure how to check or where to find out.

Can Ruthbridge do anything ie; county court order if they are only acting on behalf of someone......?

just been thinking about this debt and think this debt has been past about to a few DCA castle and link spring to mind but not sure......

 

Ruthbridge's name mentioned? - and Cabots too? ... Will be statute barred then..

Just hate every DCA out there

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Ruthbridge's name mentioned? - and Cabots too? ... Will be statute barred then..

 

 

i was thinking the same ie: statute barred But if i send a S.A.R to HBOS and its not statute barred will this be classed as me making contact and stopping any chance of this being closed stopping it being statute barred?

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The "welcome" letter from Ruthbridge is so full of threats they can never carry out it is almost funny. The letter has not been altered in any way for at least four years.

 

In the next few days you'll get a letter claiming they will start bankruptcy proceedings against you unless you contact them. In the same letter they will offer you a "substantal discount". They can't start bankruptcy either because the debt has not been proven and they don't have any paperwork.

 

Ignore that letter and you'll get \a letter offering you debt counselling. I imagine that will be another attempt at persuaing you to part with more cash than you need ie any. This letter too has not been altered for many years and includes a howler of a spelling mistake which has been noted on CAG many times.

 

If Cabot have asked Ruthbridge to chase you then it is probably safe to say it is statute barred. You can safely ignore Ruthridge but do send copies of any letters you receive from them to the OFT. They are currntly considering whether or not their consumer credit licence should be renewed Its been pending for near five months now.

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