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    • The CMA has today published further detail on its views on the law in relation to cancellations and refunds during the pandemic. View the full article
    • Includes eligibility, appeals, tax credits and Universal Credit View the full article
    • The questionnaires below provide important information which will allow us to help you. In order to use them, you will have to copy them into your own post and then give us the answers – preferably in red below each question. You can start by overwriting the prompt: "Give answer here" below each question – and your responses should automatically appear in red   Thank you +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++   You have received a claim form.   firstly - read all the posts in this thread FIRST...   then copy this first msg to your thread - and put your answer after each question   In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us]   Name of the Claimant ? LOWELL PORTFOLIO I LTD   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 25 AUG 2020   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. 1) The defendant entered into an agreement with Vodafone under account reference xxxxxxxxx ("the Agreement"). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 31/07/2015 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £595.63 remains due and outstanding. And the Claimant claims a) The said sum of £595.63 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.131, but limited to one year, being £47.65 c) Costs   What is the total value of the claim? £773.28   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I received a "Notice of Claim Issue" letter after the "Claim Form".    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No.   Did you inform the claimant of your change of address? Give answer here Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Yes, mobile phone account.   When did you enter into the original agreement before or after April 2007 ? After April 2007.   Do you recall how you entered into the agreement...On line /In branch/By post ? Online or phone.   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? I don't think so, I don't have a CCJ, but I will check.   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Account assigned to Debt purchaser.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, but I don't remember the notice of assignment, I will have to search through all my scans.   Did you receive a Default Notice from the original creditor? I think so.   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? I think so, I scanned all the letters, I think different companies have sent me letters, I will check.   Why did you cease payments? Never used the contract, plus financial trouble.   What was the date of your last payment? No monthly payment made just a upfront fee I think.   Was there a dispute with the original creditor that remains unresolved? No.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No.     What you need to do now.   Answer the questions above   If you have not already done so – send a CCA request to the claimant for a copy of your agreement
    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
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      I have proved that the dispute is closed
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       I have sent them a letter before court email
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      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Ignored gass bills in my name!


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I used to live with 5 friends in a rented flat. Eventualy the mess got to me so I moved out and got my own place.

When we first moved in we decided someone would deal with a certain bill each so I put my name on the electric bill, someone else put there's on the broadband bill and I also dealt with tv licensing. No one dealt with the gas bill and every time we got a threatining letter from the supplier I'd get everyone together to go down to a pay point and pay it.

Eventualy when our boiler broke I put my name on that account as well in order to get it fixed.

The month I was moving out all my stuff and dealing with my new place I decided to cancel the gas and when I phoned I was told that on payment of an outstanding bill they would freeze the account. Someone didn't pay though and I have no way of knowing who it was as we all paid 1/6th of the bill seperatly over the phone. So the gas bills continued in my name after i'd moved out. They recieved lots of letters about unpayed bills but did nothing about it, waiting on the most unreliable member of the flat to deal with it. He apparently phoned last week to change the account name to his but did nothing about the bill, shifting the blame to me, when they asked him if he knew where to contact me he even went as far as to lie and say they didn't know me well. I've known him for 4 years and even taken trips with him. I went round yesterday to visit (14/10/2010) and found a letter in there hall addressed to me dated 6/10/2010 that reads "DEBT COLLECTION, unpaid bill £83.44" the letter goes on to say there will be a visit to collect the bill and that I'll be charged court costs in excess of £250. I decided then that enough was enough and I'd have to sort it so I planned on paying it today and charging those who wouldn't pay back their share through the small claims court. When I checked the bill this morning though it had risen to more than £281.

 

Please can you give me some advice, people are telling me the supplier have no way of finding me and that I should ignore it ( as some people have bills dating from 2006 at old flats ). I don't want to ignore it but I blatently refuse to pay that amount of money as I can't afford it. I should maybe point out that as we signed a tenancy agreement with the landlord there is proof I was not the only person staying at the address and that bank statements can be provided to show I was someone who did pay his 1/6th.

 

Altemia :sad:

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Your debt may be passed to a DCA who have a whole catalogue of ways to trace you simplest would be do a reference check against your Credit record at your supply address and if you have apply for any credit since this will also show togethjer with your new address. My advise is pay the debt as tracing will cost as much as the debt you can run but don't make any applications for credit, have a bank account as it will show.

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I was afraid of something like that. How would you suggest I go about getting my money back from my so called friends including myself and the current number in the flat it's going to be about £40 each

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Just off the phone with hydro electric, shouted at them that even though they had an email address and contact telephone number they had never tried to get in touch with me by any other means than post. Which I didn't think was right under such serious cirumstances. They told me they had made a mistake. They took a meter reading on the 16th October and have apparently been over chargng me and that I should expect a cheque for £561.74 in the post.

 

Was bloody worried for a while though, put me through hell.

 

Dave, :)

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The only real way is write to them and apease to the their better nature failing that small claims court.

 

The problem is the contract is with and the utility company as you was only person named.

This is a mistake made by a lot of flat mates and when things break down your lumbered with the debt.

I will always insist all parties are named on the account supplers will say that they will pursue one person as cheaper but the contract is with all parties with the suppliers and not as they would let you believe a third party dispute you need to sort out.

 

Good news on the refund front

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