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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.
    • 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!    
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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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ace cards and gifts (not so ace)


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hi all,

 

i took out an ace cards and gifts account in 2001. i have been on a repayment plan for a while due to financial problems.

 

i wondered if i had a proper cca with them. so i sent them a letter asking for an original signed copy of my cca. of course they couldnt and sent me a blank copy. so i sent them the follow up letter putting the account in dispute.

i had an interesting reply:

 

http://i894.photobucket.com/albums/ac150/loopips69/SCAN0004.jpg

 

http://i894.photobucket.com/albums/ac150/loopips69/SCAN0005.jpg

 

what i understand from their letter is that they agree legally they dont have a leg to stand on because they havent got an orignal signed cca, but that it doesnt matter because they are still going to chase the account.

 

can anyone give me some advice as to what to do next? is there another letter i can send them? can i say they cant puruse the account as it is in dispute? any advice much appreciated.

 

thankyou loopips

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Yes agreed the ycan stil pursue you for the alleged debt, BUT, they are unable to chase this through the courts as they have admitted they do not have your signed agreement, this will not stop them from sending you all sorts of deforestation, the only thing they cannot do is threaten you with legal proceddings, and as for their, somewhat. misguided view that they can still mark your credit file adversely, well If they have no agreements or documentation tying you into an agreement with you and them, then they are in breach of the DPA and should be reported to the ICO.

http://www.consumeractiongroup.co.uk/forum/showthread.php?254802

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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You can send the Account In Dispute Letter. Then it is up to you, as long as you are making payments the SB clock will not be counting down to the 6 year limit for SB.

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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HI,

thanks for the above replies.

 

i did send ace an account in dispute letter- thats when they sent their waffling letter.

 

i think i will write to them to point out that they are in breach of the dpa as bazooka boo says.

 

any tips on how to go about wording a letter.

 

many thanks

loopips

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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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  • 1 month later...

hi,

a liitle update.

 

i received a letter today from ace informing me that they are going to pass my account on to moorcroft, that they will add legal costs to my account for a courts summons and that a record of default will be maintained on a national record.

 

Please help, where do i go from here? is this just another bullying tactic by ace?

 

thanks loopips

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I wouldn't worry about the likes of Moorcrap.

When you get their envelope full of begging drivel, just write to them and tell them the account is in dispute with ACE prior to it being assigned to you.

 

As others have said and I can confirm as I too have a letter from Studio admitting NO CCA, but it doesn't stop them passing it on from one DCA to another in the hope you will cough up.

 

As for the default removal, that is easier said than done, they will tell you they have a right to inform other prospective creditors of your payment history.

 

I offered Studio and full and final of 10% of the balance on the condition the removed the default, marked the account as settled and did not attempt to collect ot sell on the remaining balance, but they refused, so they got nothing and never will.

 

It matters not who they assign/sell the account to, or indeed whi they assign/sell it to, it is unenforceable and always will be, so don't lose a wink of sleep over it.

 

Moorcrap are idiots and wouldn't know an enforceable debt it they fell over it. They are easy pezzie to lemon defeaty.

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i received a letter today from ace informing me that they are going to pass my account on to moorcroft,(:lol: Ha ha ha ha ) that they will add legal costs to my account for a courts summons and that a record of default will be maintained on a national record. (What on vinyl?)

 

You can have so much fun with moorcr@p, they really are as inept as they sound. Let them add all the charges they want, you won't have to pay them, they are unenforceable.

It would be good to actually see what they have sent, just for a laugh, in any case, you MUST report them to the OFT&TS via http://www.consumerdirect.gov.uk/contact for trying to exploit your lack of knowledge, and for telling blatant untruths. Chancers.

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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  • 2 years later...

can someone please help? my account with ace has not yet been passed to debt recovery. but I cant afford near on £100 per month , have been paying since 2011. can I claim back service charges? and cant find templates to use on here?

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can someone please help? my account with ace has not yet been passed to debt recovery. but I cant afford near on £100 per month , have been paying since 2011. can I claim back service charges? and cant find templates to use on here?

 

this thread is two years old

 

please start your own

 

se the video listed below

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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