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    • Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and thank you for concluding your topic, title updated.   Andy   .
    • So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  
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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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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lending stream whats the deal with these


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  • 3 weeks later...

Does anyone have any dealing with these two.

Lending stream defaulted about 2 months ago and heard nothing at all, is that normal.

Payday express defaulted about 2 months ago as well. Had calls on me mobile and a text saying they will send one of there door to door collectors round, oh and they recently sent me a default notice.

I am waiting for these to be passed to dca’s as previous attempts to come to payment plans didn’t work as they said what I could afford was not enough.

So does anyone know how these companies operate and what dca’s they use?

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my advice: payday express will come to an agreement, you can pay by standing order and i believe if you do it over 12 months they will probably accept. lending stream , same thing.

 

no offence, but if you owe them money they are obviously going to call you... what do you expect them to do? seriously, call them or email them say you dont have a card and can pay direct and come to an arrangement, then they'll stop calling you.

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no offence, but if you owe them money they are obviously going to call you... what do you expect them to do? seriously, call them or email them say you dont have a card and can pay direct and come to an arrangement, then they'll stop calling you.

 

I have spoken to national debt line who have confirmed that I can insist they deal with me only by e-mail. Being called 12 times a day by them constitutes harrasment. I have been advised to report them to the OFT and trading standards if it continues.

 

I have been in regular contact with them by e-mail but the call centre still rings me every day.

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they would only call you once a day if you answered (speaking from experience) put the boxing gloves down coz you can insist all you want, these bunch of crooks run on rules of their own (at least for now) ... just my advice to you.

 

Advice from the National Debt Line (that I'm more inclined to take, seeing as I don't know you from Adam) is never speak to these people by phone.

 

To be honest, it's only pay day express who are being this cheeky. All the others have been very reasonable and are happy to deal with me in any way I see fit. Apart from Quick Quid though. They are psychos.

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lol (quick quid are psycos), national debt line - in my opinion an abolsute waste of time and whoever's paying them money, us on CAG know how to deal with almost every lender and can give and offer free advice to anyone who needs it. What i did was discuss on the phone and confirm everything after the call in writing - they stopped calling after that, your choice, good luck however you proceed.

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  • 2 weeks later...

Whenever they call send an email confirming caller name, time and the fact that you have requested everything in email, and keep the evidence in case they go to court.

 

I have seen one lot of particulars of claim stating the payday loan company had called to make an arrangement to pay but nothing happened, and when the evidence to the contrary was presented as part of the defence they caved in. On this occasion they had called three times a day on landline, twice on work phone and three times on mobile, each time the same email was sent, requesting they set up a payment plan of xxx on xxx date (to pay the loan back over 3 months) and no telephone calls...

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  • 2 months later...

Hi all,

A question for anyone who has had dealings with lending stream.

I defaulted with them about 7-8 months ago and have been waiting for them to make contact (buying time really) before I sort them out, but I have not heard I dickey bird from them?

Is this normal it’s like the debt has just disappeared the online account I have with them has been closed and there is no trace of them on my credit file?

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No i had so many payday loans at the time i just let them call me as i didnt make the decision to default till the day before it happend, so i didnt have the time really.

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Interesting.. I must admit that when I've contacted them in the past they've been very slack in responding. Perhaps you've got away with it?

 

I recently defaulted with PDUK and my credit file was updated within a couple of weeks - not to reflect the default, but just to indicate the amount outstanding on my repayment plan.

 

Lending Stream's website simply says that they pass on information to credit bureaus so other lenders can see that you're repaid on time...

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  • 3 weeks later...

Dulwich,

 

I forgot to mention I received one letter about a month or two after defaulting saying

"We are disappointed you have not made payment please contact us to make payment asap"

That was it still have not heard a thing my finances are improving now so I am thinking of making contact soon ish, but I don’t want to look a gift horse in the mouth if you know what I mean!

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I defaulted with them at least 7 months ago too and not heard a dicky bird either! Must say it is rather bizarre!!!

----------------------------

I do agree I do hope this is not there ( l.s) plan to leave people for ages and them add on extreme interest and charges

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I defaulted with them end of January and have had a couple of emails from them after I asked about a payment plan. They sent me their bank details but refused to freeze interest/charges. I said I would not start paying them off until they agreed to freeze everything. Haven't heard anything else since February though. Does anyone know which DCA they use?

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The funny thing is i can't for the life of me find anything about them online or any other forums so i am compleatly in the dark.

 

You guys managed to find anything?

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