Jump to content
  • Tweets

  • Posts

    • I have an interesting thought and one that I wondered if people had any advice.   I work within a Support Environment assisting customers with issues on their Telecoms based products. B2B.  Broadband, Phone Lines,  Mobile Apps. Help companies stay connected.    Yesterday I had a phone call with a customer, They had sent in a request to action next day by 4PM.  They called yesterday to reach me to query as they hadnt recieved an email confirming it would be done. We send emails saying "Thank you for getting in contact your case ref is xxxx" But nothing Human.    I answer the phone, check the case - Tell him its been allocated and will be dealt with by an engineer accordingly.  He asks for a timeframe and i explain that they will be completed accordingly by the time he has requested - 4PM.  Essentially the call isnt anything special - Just try to explain it will be dealt with.    Customer hangs up. Calls back instantly 10 mins later and asks the same question again in which we get a notification accordingly.  I pick it up and email to confirm if will be done.    The response - "I recieved a cold response and didnt feel very welcome over the phone.  "I am disappointed in the attitude from the call"   Yes we all get customers like that....    ----------------------------------------   Ill be honest - I am quite direct in my approach in life but its just a personality thing...  But the reason for the thread is this...    Is this a warning sign that I have run my course with the Telco Industry? Im consistently having these issues and it feels like my brain cant take much more of these people. Part of the reason these days that im miserable isnt because of COVID but because of people crushing my spirit and sense of humour... Should it be time i look for a new career path? Im early 30s. Is it too late?   FKO
    • Is the seller of the wheels a private seller or a commercial seller? It seems to me that the responsibility lies with the seller. How much are we talking about here in terms of wasted delivery fees?
    • I think that dealing with Amazon by written messages is going to be a frustrating business and almost impossible. They aren't used to this kind of thing at all and I think you will have a lot of difficulty managing to get your letters read by somebody in the right department with the right authority. I think it will be a very long winded business. I think you are going to have to concentrate on trying to talk with a reasonable customer services person and make sure that you get chat records or record your calls on everything. You will probably be promised that they will get back to you – but you will have to ask for a time for responding and then you will have to ensure that that happens. There is no reason for them not to come back to you within a couple of days. I think it's going to be a hard slog. You have a reasonable chance of suing Amazon successfully. You have a better chance of seeing Hermes successfully – but for less money. I would normally suggest writing in order to get a proper paper trail – but I think that dealing with Amazon is going to be a very different kind of matter. Concentrate on quick access to the customer services but making sure you keep records of any exchanges you have. I'm not sure that we have ever had anybody sue Amazon so far and from where I am, sitting in a spectator seat – nice and comfortably – it might be a very interesting experience. Of course you are at the coalface!
    • Proportional representation would be a start, but I can't see the Conservatives voting for that now they've redrawn the constituency boundaries to suit themselves. Turkeys, Christmas and all that.
    • Sorry to hear about your problem, it's horrible when people take advantage like that.   I don't want to add to your woes, but road tax is not transferrable to a new owner so when he said 'road tax is paid so I have not to worry', he was wrong. See here:   https://www.gov.uk/sold-bought-vehicle   The last thing you need right now is another problem, so I'd either take the car off the road and make a SORN declaration or tax it as soon as possible. If you are planning on making life difficult for the seller then don't be surprised if he reports you for no tax!   I hope it all works out for you.
  • 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

Anglian Water - Final Demand: Notice of Default


Please note that this topic has not had any new posts for the last 3178 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

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.

Link to post
Share on other sites

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... 

 

 

Link to post
Share on other sites

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.

Link to post
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... 

 

 

Link to post
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)

Link to post
Share on other sites
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.

Link to post
Share on other sites
  • 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.

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...