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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.
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    • 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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    • 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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Capital One


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Hi - can anyone help, I wrote to Cap One and requested a CCA - never received it so sent the next letter and now have received the attached document. The signature they have is in my married name and when I got divorced the card was cleared. The debt they are chasing is in my maiden name, and they have no signature. There are two sets of agreement, as I said, one signed and one not. Any help or advice would be greatly appreciated. Desperate to get this sorted.

Cap1V3.pdf

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Hi,

I'm sure others will reply but here's my view.

 

The two sets of T's&C's are from different times (V9+V14) so I assume the V14 one was the updated terms

 

I would suggest the signature page is a stand alond page with nothing on the reverse and as such, a pile of poo

 

I am a little confused though. Are you saying you took this card out in your maiden name but the signature is in your married name?

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I had a card when I was married, and that was cleared - so first account was in my married name and I thought I had closed it. After my divorce I contacted them, to see about getting a new credit card, and they told me they would send a new card, this was then changed to my maiden name. I did not sign for a new card. Hence why there are two sets of documents, one which has been signed and one which hasn't. Does this make sense to you?

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I think the only way to find out what is going on is to SAR Cap1

 

I suspect that they just issued you a new card because they didn't full close down the original so no signature would be required.

 

I would put the account into dispute as the signature page has none of the required terms within it.

There is this letter

http://www.consumeractiongroup.co.uk/forum/showthread.php?270666#post3061534

 

or you could use letter 9 here:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors.html

 

Do you know whether any of this debt is made up of charges?

 

I'm sending you a pm

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It would definitely be worth sending a SAR then. Any charges you have paid can be reclaimed and you can include compounded interest on it as well. In some cases, this has more than wiped out the original debt.

Once you get a SAR back, it should include statements from the inception of the account(s) and when you do the calculations, you can work out which route to take. Either reclaim the charges or go for unenforceability.

I like the first letter :-o

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If you send letter 2 in the second link I posted above, that is the better SAR to send.

Enclose a £10 postal order.

You will need to sign the SAR but I would make it slightly different to your normal one,just in case

 

They have 40 days(from receipt) to respond. Send it by recorded delivery

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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