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    • 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.
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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!    
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    • 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.
       
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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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I'm now in a position to offer some small f&f's to my creditors and looking for a bit of advice. Not sure of the best way to go about it as there seems to be so many conflicting information on here. Is it worth doing? Has anyone successfully had f&f's accepted? Or has anyone been hassled after f&f's been accepted? Grateful for any info please. Thanks.

Edited by Massamum
typo
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Hi Massamum.to answer your questions. F&F well worth doing.

 

Many of us have made successful F&Fs and yes many have been hassled after paying F&F.

 

The most important thing is to ensure you write the correct letter and do not pay any money until you have in writing what your F&F will achieve.

 

Is your credit file trashed?

 

Assuming it is,you need to make your F&F offer on the strict understanding that your credit file is marked" settled in full" it would be great if all markers where withdrawn,this is unlikely.You also need confirmation from your creditor that there will be no 3rd party involved at a future date

 

Get the creditors agreement in writing before you part with any money,they will try to get you to pay first,DO NOT.

 

Bit more info on the value of your debt that you wish to F&F and what % you intend to offer,and also who with.

 

Regards FS

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I'd add to that - if any of the debts to be cleared are in more than one name, no other party will be pursued for the balance (unless it's and ex that you aren't on good terms with!).

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Before going the F&F route, it would be wise to know the pros and cons of doing so. Look at the link in my signature or go HERE

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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That was interesting reading Silverfox and BB, thanks.

 

Thanks for the advice Firstship. My credit file was well and truly trashed a long time ago! I have five creditors and owe in the region of £55k.

 

MBNA debt was sold on before the date given by creditor for me to resolve so rescission of contract applies – that debt is £15k but arrears were only about £2k – any ideas of how much I should offer here?

 

I have a £10k loan and £5k overdraft with Lloyds that are still doing the rounds of various DCAs, I’ve been ignoring them for years but want to get rid of them once and for all.

 

Also a very old Lloyds credit card debt of £15k, they can’t find the original agreement but I want to offer f&f just to get it off my credit file.

 

And lastly, £8k on an old Egg debt that was sold on (probably for not very much).

 

This letter was at the bottom of Sequenci’s debt diaries (offered by Sevenhorses)

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Without Prejudice

 

Account No: 4563210025897412

 

We write with reference to the money which you are claiming on the above account.

 

We can confirm that we are unable to offer to pay the money which we owe in full. . However, we can raise £_____ and we want to offer this as an ex-gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released from any liability.

 

We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as having been paid and the account closed.

 

Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment.

 

We look forward to receiving your reply.

Yours faithfully

Mr A N Other

 

Is that enough do you think or are there any other letters out there that are foolproof? Would really appreciate some help with writing correct letter.

 

Thanks folks. Please bear with me, my internet access is extremely sporadic at the moment.

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The wording is important, so is the Third Party cheque, heres some info:- http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers

 

Also read number (7) in my signature.

 

At the end of the day you want to clear your debts, so a question of actions, rather then debating whether to have a go.

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i'd pay no-one nothing till you cca them & reclaim unlawfull charges / PPI>

 

waste of money.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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i'd pay no-one nothing till you cca them & reclaim unlawfull charges / PPI>

 

waste of money.

 

dx

 

Thanks DX. I CCA'd them all a very long time ago, some enforceable(ish), others not. Not too worried whether they accept or not to be honest as I can carry on ignoring them til the debts go SB :-) Only reason I'm doing this is to clean up my credit file. Not going to offer them very much - compensation for all the stress they caused me at the start and before I wised-up.

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The wording is important, so is the Third Party cheque, heres some info:- http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers

 

Also read number (7) in my signature.

 

At the end of the day you want to clear your debts, so a question of actions, rather then debating whether to have a go.

 

Cheers Rebel. I do want to get rid of them, just unsure of the best wording to use.

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  • 2 months later...

Hi Massamum , Just wondering how you got on with your F&F settlements. Did any accept ? , what sort of percentages did you offer? is there any advice you could offer as I am about to go down same road . Thank you.

sleepingdog

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