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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.
    • 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!    
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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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Do not think that you can use to 'free trial' if you have had it before. Try and contact them and order the £2 version

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No you can't coledog..........i had the free one. Ccancelled before the thirty days were up.

 

I applied again for the free one a couple of months ago with expeirian,because i had already signed up to it..........they refused.

 

I was expected to pay £14.95 a month........it's rip off.

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No you can't coledog..........i had the free one. Ccancelled before the thirty days were up.

 

I applied again for the free one a couple of months ago with expeirian,because i had already signed up to it..........they refused.

 

I was expected to pay £14.95 a month........it's rip off.

 

It's expensive, not sure if it's a rip off though. They do a £7 per month version (don't tell you till you try and cancel) and that comes with everything except the identity fraud insurance A.F.A.I.R

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

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Need to call them i think because it just tells me i am registered and use my email address i registered with.

 

But i dont know what that was.

 

Received an email from them saying they cannot trace my registration application and i need to supply name, address..

 

AND.. you guessed it the email address i signed up with originally.

 

Not tried equifax and call credit. Are these the same reports? Free trial that turns into they have taken money before you have noticed?

 

Thanks.

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  • 1 month later...

Still having issues with creditexpert. Tried the noddle initially not accepting new members then i got an email.

 

Thoughts of joy soon vanished when it asked for credit card details...

 

CE keep sending me emails to join them for a free trial but cant get past the email address and password.

 

A bit later than expected the calls have started again today. I had been expecting them for a couple of weeks now.

Maybe they have enough in the kitty for the xmas bonuses and the party bubbly?

 

Either way, Still nothing from me. I know you guys must bang your heads against the wall when people like me

ask for help yet dont do the tasks given.

 

Sorry.

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I was also registered with experian on the 30 day free trial which hs expired, they also wanted my details, however you can still obtain your £2.00 stat credit file without having to re-new the online membership, I have just done it and now have my log in details to view my file.

 

http://www.experian.co.uk/consumer/statutory-report.html follow the link to obtain file for £2.00

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With Noddle, they only need the CC for verification, and they will accept a debit card, even the £12 (if it still mentions it) is not taken just that is the old form. If you have been acceeepted onto Noddle it is free, I've been using it for months. And they will accept membership without a phone number.

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  • 4 months later...

Sorry to dissapoint but i have still been ignoring them.

 

Robscum (spelling)?? have started again also. Still being lazy and have not

got my credit report yet.

 

Few family problems since my last posts, Not a good ending but thats nothing to do with this.

 

Anyway with my best guess its 8 months left for them before they are statute barred.

 

Reason for my post today, My GF just tried opening a bank account and got refused Coop and TSB both. No reason given.

 

If she was a named card holder on my credit cards would this be why she got refused? She only had a PO account to collect child allowance and tax credits.

No other credit history. Nothing ever seems to arrive in her name. Which does now seem strange.

Rented property in both names and council tax in both names.

 

Seems rather strange as i still get CC application forms. What idiots would ever lend me money again?? Well i have learnt a big lesson and im not stupid enough to take them up ever again.

 

What does she need to do? Any help/advice?

 

Thanks.

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Sorry to dissapoint but i have still been ignoring them.

 

Robscum (spelling)?? have started again also. Still being lazy and have not

got my credit report yet.

 

Few family problems since my last posts, Not a good ending but thats nothing to do with this.

 

Anyway with my best guess its 8 months left for them before they are statute barred.

 

Reason for my post today, My GF just tried opening a bank account and got refused Coop and TSB both. No reason given.

 

If she was a named card holder on my credit cards would this be why she got refused? She only had a PO account to collect child allowance and tax credits.

No other credit history. Nothing ever seems to arrive in her name. Which does now seem strange.

Rented property in both names and council tax in both names.

 

Seems rather strange as i still get CC application forms. What idiots would ever lend me money again?? Well i have learnt a big lesson and im not stupid enough to take them up ever again.

 

What does she need to do? Any help/advice?

 

Thanks.

 

She will be able to get an account with the COOP if she asks for a cashminder account - it has the same function as a normal current account but you are unable to go into overdraft - or have any kind of credit facility - but you can use it to set up DD's etc. and comes with a debit card.

 

Nat West do a similar account but i can not remember what it is called.

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Agree - she should be able to get a 'Basic' account

 

It would be worth you both getting hold of your credit reports to find out what exactly is on there

 

Have your heard anything from HFO or Roxburge whoc are now chasing some of these accounts?

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

 

Please support CAG and they will support you.

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Only the same threat letters, We might or may take you to court etc etc..

 

Robs.. Last chance before we consider taking you to court and our paperboy with muscles will

call, if you dont contact us. This is the 1st letter i have had for some time from them.

 

OK not their wording but my interpretation.

 

Puzzled as to why she cannot open an account, Also she never gets CC offers etc.

 

We have lived here for about 20 years. Dont think i have ever seen anything credit wise offered in her name.

 

How can she get some form of credit history so that she can at least open a bank account?

 

So apply for credit reports for both of us, I really must sort that. But everytime i think about it another family

issue happens.

Me being lazy doesnt help i guess.

 

All this because they made threats and were unhelpful when i 1st contacted them to say i couldnt afford to pay them the full amount.

 

Thanks guys, I know im a pain in the butt and seems like i dont listen, But i am. But the ignore it option still seems to work.

 

Please dont ignore me.

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Not ignoring you at all - please make sure that you keep all correspondence and envelopes, even though you are not responding.Your priority payments and life will always come before the threats of DCAs so do not worry about it.

 

Do try and get Experian and Equifax credit reports for self and partner - £2 standard postal ones will do, these can be very revealing and may help you to understand what is going on here!

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.

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You wull not find out why she has issues getting an account untill you get a copy of your credit file.

 

Regards Opening a Bank Account - you have to ask for the basic account - the coop one is called the cashminder account Here is link to it.

 

http://www.co-operativebank.co.uk/servlet/Satellite/1193206368743,CFSweb/Page/Bank-CurrentAccounts

 

here is a link to the Nat West basic account.

 

http://www.natwest.com/personal/current-accounts/g1/basic-account.ashx

 

But remember you have to ask for the basic account or they will process the appliction for a normal current account.

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I heard that before, People being refused because the bank didnt process for the basic account.

 

Seemed to be a bit hit and miss.

 

It's because they assume you require a normal current account - they don't get a bonus for opening a basic one.

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  • 1 month later...

OK FINALLY i got my credit report. Maybe i made a booby though?

 

I used equifax not experian, Does that matter?

 

Nothing listed under court information, So i guess thats a good sign. Several companies still do regular checks on me.

Cabot debt listed twice for some reason?

 

I think i just clicked as to how to tell when i last paid. Green = paid on time. Yellow 1 = 1 or 2=2 missed payments and

a 4 = 4 months+ missed. Printers playing up and not very clear.

 

Seems like Sept 2006 = yellow 1's across the board. Default dates from October 2006 to April 2007.

 

Couple say settled. One says reassigned but not to who. Other says settled?

 

Thanks for putting up with me.

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Done Experian. Had a better look and its a bit confusing. I thought it would have original CC company data then some mention

of the company they sold it to if any.

 

But it seems like some items are not there, One collection letter said i owed nearly £10,000. Yet my biggest CC

credit limit was £6000. So i assume thats £3000+ worth of charges and interest?

 

One says assigned yet, Does not state who its assigned to.

 

Another letter from Lowells, But the figure does not match anything on my credit file?

 

Lowells still check my credit file, 3 times in 10 days last year, Usually every few months.

Says unrecorded enquiry. A few odd searches from insurance companies.

 

So what is the important date? Last payment or default date? Looking like last payments were around Sept

2006. Some defaulted Sept/Oct 2006 others upto April 2007.

 

Thanks.

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Last payment date is the key. Debts become SB 6 years (5 if you reside in Scotland) after the last missed payment so this is normally one month after the last payment was made for monthly accounts. Looks like Sept/Oct is the key but beware of creditors trying to bump this by issuing court proceedings just before!

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

 

Please support CAG and they will support you.

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Well im in the same situation, I have nothing to offer them. So it would take years to reclaim even the court fees.

 

If one did decide to take me to court, Would the fact there are several other companies all asking for money impact on that?

 

Not sure if everything is on the report. Im sure there are some missing? Or maybe the amounts are not correct?

 

Thanks.

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