Jump to content
  • Tweets

  • Posts

    • 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!    
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

Door Step Collectors


Please note that this topic has not had any new posts for the last 3389 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I need some urgent advice on the above please.

 

I have been advised by a company which I owe money to that the matter is now being

passed to a Third Party Debt Collector who also operate Door Step Agents.

 

Do these people just turn up - I am terrified that they will as I live with my elderly Mother

and the embarrasement this would cause will give me sleepless nights. Do they have to contact

you by letter or phone first to advise you when they are calling.

 

Thanks any help appreciated

Link to post
Share on other sites

Hi there

typical THREATOGRAM stuff.

DOORSTEP collections are NOT allowed unless you've specifically made an appointment --and I'm sure you haven't done that.

 

Complain to OFT, BBC and anybody else you can think of --and they can be had up for HARRASSEMENT.

 

These people have LESS powers than your Grandmothers Cat -- they are usually a TOTALLY PATHETIC bunch of imbeciles.

 

In any debt situation YOU take control -- send them the PROVE IT letter template on this site if you can even be bothered to reply to these muppets.

 

Cheers

jimbo

Link to post
Share on other sites

Thanks for your reply.

 

The Finance company who have passed this on will not tell me anything - give me a name of

the company etc.,

 

Does it usually take long for these people to contact you.

 

Thanks

Link to post
Share on other sites

First thing is to try & not worry, its highly unlikely anyone will come round & even if they do just shut the door on them. It would help if you could tell us more about the alleged debt. Is it a credit card / loan/ overdraft or some other type of debt. If you give us more information then we can advise on the best way forward. Don`t worry.

 

 

Middx

Link to post
Share on other sites

Hi judi

Not a nice situation but try not to worry

They should in theory contact you first but we all know that they don't obey the rules "All the time" :!:

If/should anyone turn up just tell them to go away and put it in writing as DCA's have no power to collect from you, there's a template letter that you could amend to suit, print off and keep by the door ready to hand them (http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT)

There's also a thread you can have a read of . . http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members.

For now wait and see what their next move is but at the end of the day even though things aren't as you'd like them you're still in charge of your money

Good luck

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

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

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

Link to post
Share on other sites

Below is a link to advice and letter if anyone shows up. You can also write a 'prove it' letter to this DCA and add a paragraph about refusing permission for anyone to visit your home

 

http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members.

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

Have you offered any arrangement to this company to pay back the loan or explained the situation? Is it a Payday loan or anything like that? Saying that they are passing to a collector could just be a threat

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

it is a payday loan from a company called swift sterling. It was only for 200.00 originally

but now 318.00 - Have offered to pay in installments but they are not interested. Now it is being

passed onto a third party who are debt collectors but also operate door step recovery. He would not

tell me anything else.

 

Judi

Link to post
Share on other sites

Have you put this in writing? NEVER speak to these people on the phone. I would send them your offer of repayment in writing by post (recorded) and/or email, so that you have a record. State that this is all you can afford to do at this time and if this account is passed to a DCA or they engage in any harassment by phone or in person you will report them to the approprate authorities (OFT and Trading Standards). Request that they freeze all interest and charges to enable you to settle this matter in a reasonable period of time

 

Request that they do not contact you by phone - writing only and if they phone, refuse to speak to them unless you can record it. These people will tell you anything

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

I have sent numerous e-mails to swift sterling but they are not interested in me making repayments

they just want the full amount. I suppose I will just have to wait until I get some correspondence from

the debt collecting agency. I will dread every knock at the door.

 

judi5060

Link to post
Share on other sites

I used to be told a doorstep collector 'may' visit me but they never came. I know how upsetting it is especially when you live with your mum but it's usually a threat to get more money out of you. From experience don't talk to these people on the telephone because they will bully you into paying more than you can afford. After a while if you take the advice of expereinced people on here you will get stronger and stronger to deal with these people. You have more power than you think!

Edited by walkinthepark
Link to post
Share on other sites

The advice from Coledog is excellent & spot on, do they [ Sterling] have access to your bank account, have you set up a DD or can they use your debit card / credit card to collect payments?, excuse my ignorance as i have never dealt with the payday loan thing. If they can, i would make arrangements to stop them. Its your debt but you must remain in control of repayments. Your living bills come first & only pay what YOU can afford.

Link to post
Share on other sites

Keep all copies of your offers. I would send them a final offer as I have outlined above. If they appoint a DCA they are responsible for their behaviour under OFT guidelines.

 

If you do hear from a DCA let us know. They are unlikely to send a Doorstep collector before writing to you or trying to ring you. Again never ever speak to them on the phone, try and change your numbers if possible and refuse all calls. You can send the DCA copies of the offers you have made and refuse to pay any collection charges.

 

Do this company have your bank and card details? If they do, get these changed even if it means opening a new account. They have been know to empty bank accounts.

 

If you do agree re-payments inisist that this is by Standing Order, never Direct Debit or Card.

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

No - they have no access to my Bank Account - I have changed recently.

 

Thanks for the above advice I feel a bit better now. When Swift Sterling sent me the E-Mail today

they could not even tell me whether the Thirs Party would contact me first - which I find hard to believe.

 

Judi5060

Link to post
Share on other sites

Hi for a debt of some £300 they would have to use a DCA very close to you to make a doorstep call worthwhile to them just think of the cost in transport and wages for the caller.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

Link to post
Share on other sites

they have already told me that it would probably be one local to me - that was the only piece of

information I was given. That's what made me think they will just turn up being a local one.

 

judi5060

Link to post
Share on other sites
No - they have no access to my Bank Account - I have changed recently.

 

Thanks for the above advice I feel a bit better now. When Swift Sterling sent me the E-Mail today

they could not even tell me whether the Third Party would contact me first - which I find hard to believe.

 

I would follow the advice of getting your offer of payment to Sterling either by email & or recorded letter, then lets see what happens & we can advise you further. Please don`t worry about some one calling .......... its a scare tactic, remember that YOU control this debt & the amounts to be repaid.

Let us know when you have a reply to your offer.

 

Good luck & try to relax.

Link to post
Share on other sites

I think that they are just trying to frighten you. If anyone does show up - give them the letter we have suggested above and say you will call the police if they don't go.

 

They are also breaking all sorts of rules if they harass your family or discuss the matter with them

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

Thanks very much for your advice - I will try and relax and see what kind of correspondence I get.

 

I have already printed out the letter for Door Step Collector which I will keep on me at all times.

 

Judi5060

Link to post
Share on other sites
  • 5 months later...

I got a doorstep collector letter the other day from another DCA. I put it in the 'bullsh*t box' with the rest of the threats.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...