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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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Mortgage Rescue Scheme is 'underspent'


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Have you mentioned this debarcle to your local MP ?

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You haven't got much to lose.....and you may find the local council have a different tack once your MP gets involved.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I went to see my MP who did provide a lot of support with letters and telephone calls.I Wrote to Cameron's office had someone ring from it who knew nothing about the scheme but read back a letter which they were sending to me over the phone to check if it was right!I contacted the Housing Minister.The Home and Communities office I left no stone unturned.I was told that they can waiver the capped amount but as in my post earlier only in extreme circumstances.My application in the beginning was left for over a month on someone's email the person had left.When it was picked up one of the admin staff curtly told me that they didn't just buy any old house and was very rude to me.My local Council Housing Strategy Officer and Shelter all said that some Mortgage Companies were just using it as an easy route to get their money and referring properties well over the capped amount which wouldn't be considered even though it has to go through the process of valuation etc.As time as gone on though it's opened a can of worms with my mortgage lender and isn't something I'm pursuing anymore.

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You haven't got much to lose.....and you may find the local council have a different tack once your MP gets involved.

 

I'll have a go, I did threaten the council at one stage, that I would contact my MP and she said I can give you his contact details but I said it's ok I already have them. So I suppose they must be expecting it and they are sure they are in the right.

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I went to see my MP who did provide a lot of support with letters and telephone calls.I Wrote to Cameron's office had someone ring from it who knew nothing about the scheme but read back a letter which they were sending to me over the phone to check if it was right!I contacted the Housing Minister.The Home and Communities office I left no stone unturned.I was told that they can waiver the capped amount but as in my post earlier only in extreme circumstances.My application in the beginning was left for over a month on someone's email the person had left.When it was picked up one of the admin staff curtly told me that they didn't just buy any old house and was very rude to me.My local Council Housing Strategy Officer and Shelter all said that some Mortgage Companies were just using it as an easy route to get their money and referring properties well over the capped amount which wouldn't be considered even though it has to go through the process of valuation etc.As time as gone on though it's opened a can of worms with my mortgage lender and isn't something I'm pursuing anymore.

 

Sorry you have been through that, it's just awful. Did you get a final letter from council turning you down?

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Yes I did I receive a letter.Also I was told that the Housing trust implementing it couldn't be forced to buy My Property.It gave a lot of hope to many people who in the end just didn't get on it which would of took a lot of worry and stress away from them.I remain Positive and Strong in My Mind from being in the depths of despair on the brink of a nervous breakdown.I just switched off those feelings and started to look into everything My Mortgage lender has done with My Account.So much has come to light and I'll pursue it and I'll get the end result I want.

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Yes I did I receive a letter.Also I was told that the Housing trust implementing it couldn't be forced to buy My Property.It gave a lot of hope to many people who in the end just didn't get on it which would of took a lot of worry and stress away from them.I remain Positive and Strong in My Mind from being in the depths of despair on the brink of a nervous breakdown.I just switched off those feelings and started to look into everything My Mortgage lender has done with My Account.So much has come to light and I'll pursue it and I'll get the end result I want.

 

I've got another thread going in the repossessions section but I will repeat that I have now made a complaint to the CEO of our lender who has passed it to his manager to look into the accounts and we were assured they would not take anymore legal action. But they lied or were incompetent because we got an eviction notice which we managed to get retracted & cancelled and an apology.

It might be an idea to complain to the CEO & FOS. We marked it private & confidential to make sure he saw it.

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I've got another thread going in the repossessions section but I will repeat that I have now made a complaint to the CEO of our lender who has passed it to his manager to look into the accounts and we were assured they would not take anymore legal action. But they lied or were incompetent because we got an eviction notice which we managed to get retracted & cancelled and an apology.

It might be an idea to complain to the CEO & FOS. We marked it private & confidential to make sure he saw it.

 

Also, get the press involved if you can. The Express have got a campaign going at the moment.

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I agree it no doubt does help a number of people.....I would like to hear from somebody who has had this made available to them.

 

hi, been reading these posts with interest as my husband and i have had a mortgage rescue, long story and extremely hard to get, took almost 2 years from start to finish, was turned down at one stage but i NEVER gave up, had CAB, local council luckily on side, we were supposed to be one of the 1st ever rescues back in end 2008/2009, ticked every box for eligibility and with serious illness that was made much worse through stress, mainly from the rescue, no one really knew what they were doing, i did most of the work to be honest and bombarded them with emails letters, went to my Mp and our case was actually mentioned at a housing debate in the house of commons, mainly because of the way we had been treated, we were given a date for the housing association would buy it, told to instruct the solicitors etc then at the very last minute told no sorry you cant have a rescue! we very livid, we were then left to get on with it, and as soon as the mortgage company (mortgage express, we were with gmac!but they sold it to M/E just after we had mortgage in 2006) got wind of it hundreds of pounds of charges were added and letters threatened with eviction again,as uptill then the account was on hold, the rescue team didnt offer any help at all, i never let it go and after many more months and letters to MP, housing minister at the time eventually it all went through in 2010 but i can honestly say that it was the hardest thing ive ever had to do, it was a farce at the time and by the looks of it still is, yes im grateful now that the worry of eviction has gone but was a nightmare, sincerely hope the ones that really need the help get it but be prepared to fight especially if you know you tick every box.

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hi, been reading these posts with interest as my husband and i have had a mortgage rescue, long story and extremely hard to get, took almost 2 years from start to finish, was turned down at one stage but i NEVER gave up, had CAB, local council luckily on side, we were supposed to be one of the 1st ever rescues back in end 2008/2009, ticked every box for eligibility and with serious illness that was made much worse through stress, mainly from the rescue, no one really knew what they were doing, i did most of the work to be honest and bombarded them with emails letters, went to my Mp and our case was actually mentioned at a housing debate in the house of commons, mainly because of the way we had been treated, we were given a date for the housing association would buy it, told to instruct the solicitors etc then at the very last minute told no sorry you cant have a rescue! we very livid, we were then left to get on with it, and as soon as the mortgage company (mortgage express, we were with gmac!but they sold it to M/E just after we had mortgage in 2006) got wind of it hundreds of pounds of charges were added and letters threatened with eviction again,as uptill then the account was on hold, the rescue team didnt offer any help at all, i never let it go and after many more months and letters to MP, housing minister at the time eventually it all went through in 2010 but i can honestly say that it was the hardest thing ive ever had to do, it was a farce at the time and by the looks of it still is, yes im grateful now that the worry of eviction has gone but was a nightmare, sincerely hope the ones that really need the help get it but be prepared to fight especially if you know you tick every box.

 

Hi

 

Thanks for this, sounds like you had a very stressfull ride with the MRS.

 

The principle of the MRS is good, definitely

 

When it first came in though, I dont think it was that well thought out and perhaps looked better on paper as things sometimes do, I could say much more but this is not the place.

 

Ive seen and been involved in cases started around that period that have taken up to two years to complete with numerous court hearings to adjourn along the way. The pressure this put on those threatened with losing their homes was almost immeasurable, horrible at times, often vulnerable people too.

 

Along with what you have put, lenders holding out for shortfall balances did and does not help and then there is the nonsense with bankruptcy.

 

The rules changed a couple of years ago with the 10% rule coming in so it can cost a fair packet now and if lenders keep putting on the costs and charges and the case drags on, well.

 

The fact that there is such an astonishing underspend beggars belief and questions should be asked as to why this is in my opinion.

 

People at the coal face and those in Ivory Towers perhaps, stats games maybe?

 

I could say much, much more but I wont (not yet anyway and my memory is good)

 

I still say though (I have to) that the MRS has got to be worth serious consideration for those that are facing the prospect of losing their homes.

 

The MRS has been a godsend for some, its a fact

 

We have had a few succesful completions of late and a number of ongoing cases that look very positive.

 

We havent bothered passing go and trying to collect our £200's though, we have just got on with it, we have found that it is easier that way.

 

Sorry guys, but its the truth.

 

Just my opinions and genuine experience

Edited by Wintry
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  • 2 weeks later...

Hi

 

A fairly recent article on the Mortgage Rescue Scheme (MRS) from the Council of Mortgage Lenders (CML) site (you dont seem to see many articles on the MRS for some reason, strange really given the amount of money pumped in and underspent on a staggering scale)

 

While the actual CML article is a little basic so to speak this one does have what maybe is a very handy list of contact details on the lender front.

 

http://www.cml.org.uk/cml/policy/issues/4495

 

Anything that helps has to be a plus I suppose

 

My opinions as always

Edited by Wintry
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  • 8 months later...

Hi

 

interesting article from the CML on falling arrears and possessions.

 

The Mortgage Rescue Scheme (MRS) gets some good press here and an important reminder that it (MRS) closes to new applications at the end of March next year (2014) by the look of things (I stand to be corrected if I am wrong)

 

http://www.cml.org.uk/cml/media/press/3731

 

W

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  • 3 weeks later...

Honeybee.. I think the question by Pepe is for Wintry in respect of the closing of the Mortgage rescue scheme and whether it does finish in March of next year.

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can you confirm this or find out for me please

 

 

Hi

 

The dates are as given to me by colleagues of mine who work closely with the MRS

 

I cannot say for certain if all authorities will stick to these dates as appears to be the case in the news article link

 

The best way to be certain is to check with your local authority / registered provider

 

You could also contact your local CAB or another appropriate advice agency such as Law Centre or Shelter

 

If you have problems with your mortgage or feel that the mortgage rescue scheme might be of potential benefit to you then get advice ASAP, don't wait for things to get worse.

 

Useful information below from the CAB on the Mortgage Rescue Scheme (including contact links etc)

 

http://mymoney.nedcab.org.uk/moneyadvice/mortgagerescuescheme.asp

 

Hope this helps and best wishes

 

W

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  • 3 months later...
  • 1 month later...

Hi

 

The Mortgage Rescue Scheme did close to new applications March 31st 2014

 

There are on going cases to be processed to their conclusions however

 

I have not really seen any precise evaluation figures yet so to speak and we would have to take the above into account however there has been a meeting or seminar or two I understand

 

I just wondered if anyone has any comments or feedback of the overall benefits, success (or costs maybe) of the scheme that at times arguably has been dogged by less than favourable publicity it would be fair to say.

 

Despite problems (as any new project usually runs into) the scheme has helped people and families stay in their home who otherwise would almost certainly be evicted.

 

So it might be interesting if anyone has any comments, experiences or views on the Mortgage Rescue Scheme?

 

My opinions

 

W

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Is this going to continue, Wintry or has it totally stopped now ?

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Is this going to continue, Wintry or has it totally stopped now ?

 

Hi

 

As far as I know that's it with the Mortgage Rescue Scheme, they will just process the on going applications submitted by the deadline date (there has been a few timescales quoted as to 'hoped' completion time)

 

I understand that late applications just after the deadline date would have been considered however there would basically have to be good reason to allow them through so to speak and may depend on what area (or LA) they come under.

 

Anyone who has any doubts would be best contacting their LA / provider

 

That's how I understand the situation

 

I have got an on going application that was submitted close to the deadline date and it seems to be moving quite well but we shall have to wait and see)

 

The MRS has definitely helped people stay in their homes and even though I have been critical at times in the past I personally am sad to see it come to an end if I am honest)

 

Apologies for the late reply by the way

 

W

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Thanks Wintry :)

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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