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    • 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.
    • The world of ballroom dancing went online to cope with the pandemic restrictions, but what does the future hold? View the full article
    • 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!    
    • Hi J,   You must decide what's your priority - make the gym honour what you were offered originally (perhaps trying to draw you in) ................   ............... or pay what they're now demanding to get the srvice you want.   Surley it's worth a go ?
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      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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Hello everyone,

 

Can I start by saying thank you to everyone who contributes to this site, it's a great place and I'm sure a soothing place for a great many people.

 

Okay now to my problem, I have unpaid council tax dating back to 2007, which came about after we a student discount on my girlfriend living with me, she stopped being a student but the council didn't update our bill until later, which meant we were £500 behind. They attempted to take the whole amount out at the start of the month, I realised early in the day that they were taking it, so I stopped the payment with my bank, as I couldn't afford it all in one lump. since then I got behind in my payments and buried my head in the sand, and now I owe over £2000 including the current year, which I have just had a liability order against me for.

 

I've decided to get my head out of the sand before it becomes too late (maybe it already has!) what should I do? Rossendales have visited around 5 times, i've made a couple of payments to the accounts, but they've virtually been wiped out by bailiff fees. Any advice, should I contact Rossendales or go to the council? I've seen people on here have suggested to other people that just keeping Rossendales out of my house will mean it goes back to the council, and I can make a payment plan with them? I'm not in great financial state, but I could make payments of up to £250 a month at a real push.

 

Any help greatly appreciated, I'm feeling more and more worried and doing nothing is really not helping. :-(

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How many Liability Orders do you have? Are the periods of time they cover correct? How much is each one for? How much is outstanding on each one? Do you know the dates each was passed to the Bailiffs? If unsure of any answer contact your Council. Do not use the Bailiffs figures or dates.

 

If you have already had visits from the Bailiff has he left you any paperwork detailing any charges? Has he been in your home? has he levied on any goods outside - most notably a car?

 

PT

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Trying to contact the Council now. Think the first liability order was over a year ago. Figures are around £200, £1000, £1000. Pretty sure it's 3 seperate liability orders.

 

Visits yes, but I've never actually seen one, they have zero chance of getting in unless I let them in. They haven't levied the car, unless they levied my clapped out Astra, which is SORN, which their more than welcome to. :) No they haven't detailed any charges, he keeps hand writing amounts on the notices that he leaves, but not exact charges just full amounts.

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Have you made any payments since 2007 on any, or have you just not paid at all.. They will levy what they will see and add on charges. You need to get a break down from the bailiff to see what they have charged for.

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To be honest I'm the in process of getting all the information from Rossendales now. Does anyone know what happens in regards to arrest warrants? Am I likely to get one soon? I know they have to pass it back to the council before they can do that, but do they council contact you and notify you that they have had the account passed back to them? I'd really rather not have any dealings with Rossendales if possible.

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PLEASE, PLEASE, PLEASE don't worry - arrest warrants are a million miles away!!!!

 

If you take on board all the great advice from fellow CAGgers, you'll go through the process step by step until it's resolved.

 

Rossies are bullies but they can be tamed - trust me!! It took me a whlle but I managed it and I now the pay the council direct at a monthly rate that I decided I could afford! It's going to take me over 6 yrs to repay £1,000 - so there is hope!!!! Don't panic!

 

I don't even come under the "vulnerable" status but I still managed to negotiate my terms.

 

Good luck!!

 

Impecunious! :)

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Thanks impecunious, that's a great relief! :)

 

So at which point will they return it to the council? Will I be informed and get chance to speak to them about my circumstances? I'm not sure what to do next to be honest. Is it worth speaking to "Rossies" at all? :)

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I'd never personally recommend speaking to Rossies or any bailiff.

 

If Rossies have levied on your car, they would have posted a notice through your door. You really don't want them levying against your car - whether you want to get rid of it or not - that will just give them an excuse to load on their charges. I'd try finding a home for it (SORN or not).

 

Try looking on your council's website, sometimes they post details of the contracts between themselves and the bailiff. (e.g. Manchester City Council has this on their website.)

 

There is no hard and fast rule about when and if Rossies hand your account back to the Council. Rossies will only be paid to carry out two visits over a certain period of time, they're not actually paid for anymore visits than two. (Unless they've levied and they're coming back to seize goods cos you haven't stuck to any arrrangement made.)

 

I think you have to barricade yourself in for the long haul.

 

A few things you could be doing:

 

Check the individual amounts of Liability Orders with the council and the dates they were issued.

 

Work out a realistic Income and Expenditure (the National Debtline has a very good form on their website) - so that you know how much you can pay without jeopardising any other priority payments. Note that Council Tax is a priority debt and should be treated as such.

 

Write to Rossies and tell them that that you have taken advice and know your rights re: peaceful entry, etc and that you will not be inviting them in to discuss anything. Tell them that you will pay the council direct. Your council cannot refuse your payments - but, to make things easier for you, pay them online (using the reference relevant for your outstanding arrears). This way, your payments won't be offset against your current liability.

 

Ensure that you pay your current council tax and keep that up to date.

 

If Rossies have visited you (they will have left notification to that effect), you will have to pay them your 1st visit and maybe 2nd visit fees (if they came again), £24,50 and £18.00 respectively.

 

Try to keep it all in perspective - I know it's not easy but try.

 

Make sure that any items outside your property, e.g. garden furniture, bikes, etc are locked well out of sight. Rossies can break into detached garages, out-buildings etc but not to attached, integral garages, etc. You don't want them levying on anything outside your property -- although it's not usually worth much. They'll use any excuse to bump up their fees.

 

Write to Rossies and ask them for a breakdown of their charges to date. This won't cost you anything, they must supply it. Template on here somewhere.

 

That should keep you going for now!!!

 

Take care and have a good weekend!

 

Impecunious!! :)

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If you need to ask them about their charges use something like this - use & adapt as you see fit and send by email + hardy copy in the post via Signed For.

 

"From:

My Name

My Address

 

To:

Acme Bailiff Co

Bailiff House

 

Ref: Account No: 123456 or however many account numbers you have

 

Dear Sir

 

With reference to the above account. Can you please provide me with a breakdown of the charges.

 

This includes:

a - the time & date of any Bailiff action that incurred a Fee.

b - the reason for the fee.

c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged.

d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at.

e - the date of the Certification.

 

This is not a Subject Access Request under the Data Protection Act S7 1998 so does not incur a fee of £10. You are obliged to provide this information.

 

I require this information within 14 days.

 

Yours faithfully

 

Ripped off customer"

 

PT

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