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    • Hi All,   I was going to post an update after a month had passed since I sent my SN but didn't get around to it, after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! .... Anyway, on Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! These people really are tiresome ....   Details to follow ....   (EDIT: just noticed this is the 13th post as well! .... not that I'm superstitious, lol! 😂)
    • I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.   Bankruptcy, CCJ or IVA This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you. You have no public records. GAIN (Gone Away Information Network) Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit. You have no GAIN records.
    • I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc. I have been pretty fine with my finances until now, until this mess I managed to get myself into this year   There is nothing showing on the TransUnion credit report about an old CCJ. Is there another place I can look to see if there was one and if so how long ago?  I have signed up to TransUnion and on there it says (in Search History):   ORGANISATION PURPOSE DATE Transunion Consumer Id Check (Ml)   Identity Check for Credit 15 Apr 2024   Nationwide Building Society (Sr,Tac,Ct,Cval,R) Nationwide Building Society Bav (Cval Ml) Anti-Money Laundering 11 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Ar) AF 10 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Cr Bsb) Quotation Search 10 April 2024 I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do).    Public Information Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money. Bankruptcies and Insolvencies You do not have any Bankruptcies or Insolvencies on your credit report. Judgments You do not have any Judgments on your credit report. There are no Cifas markers registered against you. You do not have any Notices of Correction on your credit report. Does any of this make sense? I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things. The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner. 
    • have you got any more historic defaults or CCJs (Say, in the last 7 years) that you think would still be showing on your credit record? Something's not adding up here.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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NP Direct Debit Scam?


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Hi y'all,

Nice new format for the site - congratulations admin!

 

Ok, quick story, a colleague (not me for once), set up an account with NP last year who provided gas and electric for a DD sum of £24/ pcm.

 

Three months into the contract a bill was issued for a further £300, though the account holder had been paying the agreed sum....and thought this was an annual forecast.

 

Without realising that this was in fact a bill, and most importantly having had no further correspondance from the provider (by way of demands etc.), a later bill for £600 has now been issued.

 

Now having called the provider, they have suggested an increase in the DD to well over £100 pcm - though intially they were fishing for over £250 pcm to reduce the account.

 

I am aware of utilities providers [causing problems] customers via DD's which is why I have suggested my colleague cancel immediately the DD immediately - in case NP decide to fleece the bank account.

 

Do you have any suggestions for an appropriate recourse of action against the provider...fortunately the account is currently on hold while they allegedly 'investigate'. I am amazed however, that whilst the customer has been paying the original DD sum, that there has been absulutely NO correspondance relating to an explicit radical increase in the DD? Or again more importantly no threatening letters...my own provider gets antsy after less than a week if my bills are overdue.

 

Suggestions and links more than welcome as ever. cheers By Jingo!

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Hi by

 

I would advise your friend to conduct all correspondence in writing. I would also get usage statements from NP. I would also check that he's on the Tariff he originally chose, they haven't migrated him without his knowledge. Also worth finding out why they originally agreed on £24 a month, when now in effect they are demanding

£124 per month.

 

Making a complaint :- http://www.npower.com/web/In_business/Customer_services/Makeacomplaint/index.htm

OFGEM :- http://www.ofgem.gov.uk/Consumers/Pages/Consumer.aspx?sid=frontpage

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really £24 for both fuels..... you friend is well I hate to say it well.... gullible.

The avage for both is £80. It not npower at fault but the broker you choose to change supply they should of set you up on industry average.

I dont think npower scammed you i think yo ujust playing catch up with your bill.

I know npower are bad but us the customer has to challenge the salesmans claim.

it is our responsiblity as igronce is no defence in law

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