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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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DCA advice please - HSBC


suedes
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Basically I have a HSBC credit card with about £11000 on it I havent actually paid anything on it in two years. I once sent them a cca request and got a blank form off them with no t&c's and a letter saying "cant find it but you would have signed this"

 

I then put the account into the hands of a company that was adamant it could have it written off they however are no longer taking any action on the account and reccomend I start paying it.

 

so far I have had letters from HSBC, MCS, DG Solicitors and now the Central Debt Recovery group. I have found out that they are all HSBC at the end of the day

 

The problem now is I dont know what to do part of me wants to continue to try to fight it and another says its time to give in and start trying to pay it as I guess they are eventually going to take me to court

 

Is this worth trying to fight or should I just roll over?

 

What would be the minimum they would take a month as my income is only £400 a month?

 

any help would be appreciated!

Thanks

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if they have not sent you a proper agreement and without seeing it I cant advise either way then there is nothing to repay.

 

if you could scan it up for people to check it out for you that would be great.

 

however if they have dragged their feet for 2 years chances are its not any use anyway

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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If that is all there is, then in my opinion it is far from short on what is required. When did you take the card out?

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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laughable:D

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Par for the course, I would not be worrying about it, no much in the way of acceptable confirmation comes our way from way back when.

 

When was the last payment made on this account?

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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  • 2 weeks later...

Today I have recived a letter from the central debt recovery unit to confirm that they will be calling me on a date and time this week it doesnt make it clear if they mean by telephone or a personal visit.

 

It says that if I do not widh them to call to call them of either of the above numbers one of which is a mobile number

 

I think this is just a scare tactic?

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if they phone dont answer any security question, then hang up

 

if someone turns up at your door you only need 2 words foof off , and if the wont leave tell them you are calling the police and shut the door

 

they have no legal rights whatsoever

 

there is plenty of info on the forum of letters you can send about no phone calls , visits and everything writting etc

NEVER FORGET

 

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http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

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dont phone em they just want your telephone number to start the threat cycle

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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  • 2 months later...

Hi all I have recived a letter from wescot today for the outstanding balance on thier clients behalf

 

Does this mean that hsbc have now sold the debt to them? or are they just acting for them?

 

Should I send them a CCA request?

 

Thanks

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If it says clients behalf then they are acting for HSBC.

 

I think now you need to start again and do things in the right order, first the CCA request http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

If and when they send back the same garbage as they sent originally then send the account in dispute letter http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

You need to keep a proper record of all letters sent and received

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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When you actually let them know in writing that you consider the account in dispute and the reason why, then they will maybe stop hassling you.

As far as they are concerned they have satisfied your CCA request.

If you want to legally withhold payment on this account then you need to do things properly.

Otherwise it will be looked upon by the courts as debt avoidance if it ever gets that far.

Edited by Hardupnotfedup
grammar spelling

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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I've just read the whole thread and must say the OP has done things right:

1, CCA request, this was a joke

2, letter putting account in dispute with stated reasons

so having done 1 & 2 you move onto 3:

3, IGNORE THEM

At best I'd send the "bemused" letter

Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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I've just read the whole thread and must say the OP has done things right:

1, CCA request, this was a joke

2, letter putting account in dispute with stated reasons

so having done 1 & 2 you move onto 3:

3, IGNORE THEM

At best I'd send the "bemused" letter

 

From what the OP has written he put the CCA into a companies hands who promised to write off the debt the company did nothing as we all know they do and told him to pay the debt, although I maybe wrong the OP has never officially put the account into dispute by letter, so I am advising him to do thjat once he treceives that toilet paper again from the DCA.

Suedes you have to do what you think is right but the DCA are not mind readers they need to be told the account is in dispute.

The bemused letter is all well and good if the OC knows the account is in dispute, as far as they are concerned the debt is being avoided.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Hi folks just to clear up I orginally cca'd hsbc who came up with what can you see, then my health took a turn for the worse and I put it into the useless hands of a comapny who sent them the account in dispute letter.

 

I guess I will have to start again with westcot now

 

Thanks all

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Morning everyone

 

I sent A CCA request off to westcot with a postal order made out to them, they have written back saying;

 

we are not the creditor for this account but instructed on behalf of the above slient. In the circustances we are returning your postal order which was made payable to wescot credit serices as needs to be made payable to metropolitian collection services. You can either send your request direct to our client or resend it to us and we will forward it to them.

 

Is this true? do I need to get in touch with mcs or should wescot supply one as well?

 

Thanks

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Morning everyone

 

I sent A CCA request off to westcot with a postal order made out to them, they have written back saying;

 

we are not the creditor for this account but instructed on behalf of the above slient. In the circustances we are returning your postal order which was made payable to wescot credit serices as needs to be made payable to metropolitian collection services. You can either send your request direct to our client or resend it to us and we will forward it to them.

 

Is this true? do I need to get in touch with mcs or should wescot supply one as well?

 

Thanks

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