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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 wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
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      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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Anglian Water - Final Demand: Notice of Default


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Good evening CAGgers,

 

I received the letter detailed below on the 19th Dec and would like some comments on my questions at the end of this post.

 

FINAL DEMAND: NOTICE OF DEFAULT

 

PLEASE ACT NOW TO PROTECT YOUR CREDIT RATING

AND PREVENT A DEFAULT BEING FILED WITH CREDIT REFERENCE AGENCIES

 

FAILURE TO ACT MAY IMPACT YOUR ABILITY TO BORROW MONEY OR SET UP CREDIT

AGREEMENTS FOR SERVICES SUCH AS SATELLITE TELEVISION AND MOBILE PHONES.

 

We note that you have failed to pay the sums owed to us in relation to your water and / or wastewater charges.

You owe the sum of £...

This sum became due and payable on ...

but has not yet been paid, despite a reminder being sent to you on ...

 

Because you have not paid the sums due to us, you are in breach of our payment terms.

 

We urge you to pay the amount due or contact us for help by ..,

otherwise we will be entitled to file default information about you at credit reference agencies for the sums due.

 

Once a default has been filed, it will remain on your credit file for 6 years and may impact your ability to obtain products

and services from other credit organisations such as satellite and mobile phones.

 

To make a payment, please contact us immediately on 0800 975 5575.

We can also help to make the repayments more affordable by allowing you to pay the amount owed in small installments.

Once agreed these installments must be paid on the dates as agreed or an instant default will be applied.

 

You can seek independant debt advice from the Citizens Advice Bureau, National Debt Line or Consumer Credit Counselling Service.

 

This is a legal notice and sets out important information in relation to your rights and legal obligations.

 

For more information about how to respond to this notice, please refer to the guidance notes on the reverse of this notice.

---------

Questions.

1. Can Anglian Water put a default notice on my credit file?

2. Does the default notice have to comply with the regulations in the same manner as a normal Default Notice would?

3. Whilst the CCA is not relevant for this type of service, should a credit agreement of some sort be in place for them to file a default at the credit reference agencies?

4. Should they also have a consumer credit licence?

 

Other notes.

 

There are arrears on the account but we are now catching up and Anglian Water haven't gone this far before so not really sure why they are doing now.

 

I am aware they have a trust fund available, so may be looking into this as well.

 

Many thanks for your help and comments.

 

GD

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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water is not a priority debt like other gas/elec

they cannot cut you off

their T&C's might say they want the whole thing in one or two lumps

from the start of the year

but in fact you can pay monthly.

 

so are you in arrears, or just in arrears by what they think you should be paying?

 

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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Thank you for your reply dx.

 

Each year for the last few years we have missed a few payments here and there so at the start of the latest billing period (April 2011)

there were arrears of just over £600 and also this years billing amount on top, so the total bill was just short of £1200.

 

The payments we have made so far will cover the useage and some of the arrears by the end of the billing cycle, just need to determine what we can do to

start covering more of the arrears.

 

Regards

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Share on other sites

hope they've not levied any extra charges, cause thats a bit naughty.

 

TBH this debt is p'haps more important than things like credit cards mobile phones PDL loans etc

 

what else are you paying that you can strip down to £1PCM

you need to sort this

as in time, and i'm suprised they haven't, get a court order on you.

 

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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Share on other sites

Hello DX,

This has been ongoing for sometime but until now they haven't pursued it.

I agree it is more important than some of the other bills, so I suspect it is best to make an arrangement with them of some sort.

 

Where do we stand with regards there default letter and the questions I asked in the original post.

 

Merry Christmas

 

GD

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

Link to post
Share on other sites

Yes utilities companies can place defaults as it is within terms of the service. All the need to do is state that a default with be placed in the final demand in not paid within x amount of days. No cc licence required and no credit agreement is needed either.

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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Good evening CAGgers,

 

I received the letter detailed below on the 19th Dec and would like some comments on my questions at the end of this post.

 

FINAL DEMAND: NOTICE OF DEFAULT

 

PLEASE ACT NOW TO PROTECT YOUR CREDIT RATING

AND PREVENT A DEFAULT BEING FILED WITH CREDIT REFERENCE AGENCIES

 

FAILURE TO ACT MAY IMPACT YOUR ABILITY TO BORROW MONEY OR SET UP CREDIT

AGREEMENTS FOR SERVICES SUCH AS SATELLITE TELEVISION AND MOBILE PHONES.

 

We note that you have failed to pay the sums owed to us in relation to your water and / or wastewater charges.

You owe the sum of £...

This sum became due and payable on ...

but has not yet been paid, despite a reminder being sent to you on ...

 

Because you have not paid the sums due to us, you are in breach of our payment terms.

 

We urge you to pay the amount due or contact us for help by ..,

otherwise we will be entitled to file default information about you at credit reference agencies for the sums due.

 

Once a default has been filed, it will remain on your credit file for 6 years and may impact your ability to obtain products

and services from other credit organisations such as satellite and mobile phones.

 

To make a payment, please contact us immediately on 0800 975 5575.

We can also help to make the repayments more affordable by allowing you to pay the amount owed in small installments.

Once agreed these installments must be paid on the dates as agreed or an instant default will be applied.

 

You can seek independant debt advice from the Citizens Advice Bureau, National Debt Line or Consumer Credit Counselling Service.

 

This is a legal notice and sets out important information in relation to your rights and legal obligations.

 

For more information about how to respond to this notice, please refer to the guidance notes on the reverse of this notice.

---------

Questions.

1. Can Anglian Water put a default notice on my credit file? - yes

2. Does the default notice have to comply with the regulations in the same manner as a normal Default Notice would? - - it will be a marker not a DN.

3. Whilst the CCA is not relevant for this type of service, should a credit agreement of some sort be in place for them to file a default at the credit reference agencies? - no they are not giving credit

4. Should they also have a consumer credit licence? - doubt it - as above

 

Other notes.

 

There are arrears on the account but we are now catching up and Anglian Water haven't gone this far before so not really sure why they are doing now.

 

I am aware they have a trust fund available, so may be looking into this as well.

 

Many thanks for your help and comments.

 

GD

 

you need to pay 'something' say better than say 1/12th, per month

 

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... 

 

 

Link to post
Share on other sites

You mention looking into their Trust Fund - best thing you can do IMO as you may get help with some or all of your debt. If I was going to pay them anything, (which I actually don't do because they got me annoyed) I'd be paying a pound or two per week - or even less - towards the debt, as they want to see regular payments before they will help out. If you have not done so already you should write to your water company and ask that they forward you the forms needed to apply to their water charity for help with your arrears. Make sure when completing the forms that your expenditure matches your income and that all of what you spend is spent on essentials.

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  • 1 month later...

Thank you for the further comments and assistance.

I will keep you updated on our progress.

Many thanks

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Share on other sites
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