Jump to content


  • Tweets

  • Posts

    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Scottish Power - no bills, just straight to debt collector***RESOLVED***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4469 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, I'm hoping someone can help me out with a problem I'm having with Scottish Power.

 

I moved into my new flat at the start of September, having previously lodged so hadn’t had an electricity provider for several years. The electricity provider at the flat was Scottish Power but I wanted to go to LoCO2 so never got in touch with Scottish Power. I sent all my details, including a reading from the day I moved in, to LoCO2 in the assumption that it would just be back dated. In hindsight that was not the correct thing to do, but I really didn’t know.

 

Anyway, about two weeks ago a debt collection agency got in touch demanding payment of £45 on behalf of Scottish Power. I was quite bewildered as I had never even received a bill or reminders from Scottish Power.

I got in touch with LoCO2 who told me that indeed I should have let Scottish Power know but they provided me with the switch over ‘readings’ so that at least I knew approximately what the bill was about.

I then phoned Scottish Power, explained the situation and was told that I had been sent two bills, and according to the man I spoke to, that I had paid one of them (in cash, possibly at the post office according to him)! I suspected that these bills had been addressed to the previous tenant and so would have been forwarded to him. After I strongly protested that I had never even received a bill, let alone paid one, he suggested he send copies of the two bills, so that I could check whether they had been addressed to the previous tenant. This was two weeks ago and I still haven’t received any mail from Scottish Power at my address. However, I am being called by the debt collection agency who not only wants me to pay a bill I have never even seen but also pay a 15% administration fee. Although I explained the situation, they of course just want me to pay and are threatening me with legal action and to ruin my credit rating.

 

It’s not that I object to paying Scottish Power for the month between moving in and starting with my new provider but I do want to see a bill before I pay and I certainly object to paying a debt collector as I don’t feel it is my fault that I haven’t paid.

 

Can anybody help me out as I really don’t know what to do with this?

Thanks.

Link to post
Share on other sites

We do have a Scottish Power rep on the forums.. so I will track him down for you :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

Have sent a message to the SP rep for you .. I am sure they will look in as soon as they can - I imagine tomorrow now :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

Hi

Can you check the foot of the letter sent to make sure this 'debt collector' isn't actually part of Scottish Power

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

Link to post
Share on other sites

I would be inclined to deal with Scottish Power direct and not this company. By your account, you tried to inform them and they didn't listen.

 

You were at fault for not contacting SP as they had to be the supplier until the other one took over (usually 6 weeks after asking them)

 

As for the admin charge, they can go swing. You have not agreed with SPs terms and conditions

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

Link to post
Share on other sites

Yep, and I figure that SP really need to send me a bill first, then a reminder and only then make use of a debt collection agency.

But unfortunately, the threat of it affecting my credit rating is pretty serious so I feel I should try and get things sorted before that happens. I think they have to send me a letter telling me they are going to do that first though.

Link to post
Share on other sites

However, I am being called by the debt collection agency who not only wants me to pay a bill I have never even seen but also pay a 15% administration fee. Although I explained the situation, they of course just want me to pay and are threatening me with legal action and to ruin my credit rating.

Don't speak to them on the phone.

 

They have no legal right; write to them saying you have no contract with them and will only correspond with the original agent.

Link to post
Share on other sites

Sod 'em and the horse they rode in on, DCA's are bottom feeder bullies. Just please don't stress nor fret about it in any way, 'tis not worth it.

 

Their biz model is based on threats; use this letter i wrote to get them off your back...

 

Notice this bit "[insert evil DCA name here] has bought this debt from a third party without my contractual consent and as such, I have every right to request this debt be dealt with the original creditor and I do not acknowledge your demands for payment by proxy."

 

Moorcroft reference: xxxxxxxxxx

Client reference: xxxxxxxxxxxx

Regarding: Scottish Power

 

 

Dear Sir/Madam,

 

Regarding my last correspondence on xxxxx, consider this matter an estoppel by acquiescence. Also, please be aware that I no longer acknowledge this debt to your company, and therefore require you to supply the following documentation before I correspond further.

 

Firstly, you must supply me with a true copy of the deed of assignment. In my letter dated xxxxxx, I requested proof of transfer of debt to Moorcroft and/or contractual confirmation of a Scottish Power ‘charge-off’; you have failed to provide this upon request. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974 - your obligation also extends to providing a complete and comprehensive statement of account. I enclose a £1 postal order in payment of the statutory fee for the aforementioned account.

 

You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, under section 189 of the CCA 1974.

 

As you are aware, a credit agreement that is not properly documented and/or signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Moorcroft has bought this debt from a third party without my contractual consent and as such, I have every right to request this debt be dealt with the original creditor and I do not acknowledge your demands for payment by proxy.

 

In summary, Moorcroft is to supply the following documentation within twelve (12) working days from the date of this letter, before I correspond further:

 

 

• Documented proof of the deed of assignment from Scottish Power to Moorcroft

• Detailed statement of the account since inception, showing original debt amount

 

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. If you wish to file for court action, please send me a ‘letter before action’, so I can prepare a defence.

 

In the meantime please be aware that I consider this matter to be “in dispute” and I hope to hear from you within the statutory time limit.

 

 

Yours faithfully

 

*scribble something here, or draw a picture

 

[J. DOE]

 

Enc. Postal order

 

They wrote back saying they assigned debt back to utility company :) They only go after docile and complicit sheep; fight for your right.

 

And again, don't stress about it, they're not worth it.

Link to post
Share on other sites

Sod 'em and the horse they rode in on, DCA's are bottom feeder bullies. Just please don't stress nor fret about it in any way, 'tis not worth it.

 

Their biz model is based on threats; use this letter i wrote to get them off your back...

 

Notice this bit "[insert evil DCA name here] has bought this debt from a third party without my contractual consent and as such, I have every right to request this debt be dealt with the original creditor and I do not acknowledge your demands for payment by proxy."

 

 

 

They wrote back saying they assigned debt back to utility company :) They only go after docile and complicit sheep; fight for your right.

 

And again, don't stress about it, they're not worth it.

 

Utility debts are not covered by the CCA 1974 and as such sending £1 is of little value

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

Link to post
Share on other sites

Utility debts are not covered by the CCA 1974 and as such sending £1 is of little value

'They' classify them as supply agreements to negate the umbrella of credit agreement status, 'they' conspired to create their own bill of conduct.

 

Either way, if someone, whovever they are, demands money, you have every right to demand a full statement of account from day dot, detailing every penny of debt. DCA's won't have that info, so they'd prefer to chase the easy prey.

Link to post
Share on other sites

Kniv I think you should also try this one.

[email protected] If you still have problems-let us know

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

The problem seems to have been sorted, thanks to Graeme (Scottish Power Rep).

 

The original bills were sent to the wrong address (I think probably the new address of the old tenant, hence why the first bill was paid), but I have them now so can actually pay.

Also, the involvement of the DCA has been stopped.

 

Thanks for all you helpful suggestions, really appreciate it.

Link to post
Share on other sites

Good to hear it

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Pleased to hear this has now been resolved :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

The problem seems to have been sorted, thanks to Graeme (Scottish Power Rep).

 

The original bills were sent to the wrong address (I think probably the new address of the old tenant, hence why the first bill was paid), but I have them now so can actually pay.

Also, the involvement of the DCA has been stopped.

 

Thanks for all you helpful suggestions, really appreciate it.

 

Do you mind if I ask how you know the ''invovement of the DCA has been stopped''?

 

I ask because SP claim a late payment of my final bill ''crossed'' with their contacting a firm called BCWgroup [debt collectors]. SP have told me that BCW were informed about this mix-up and that I should hear no more about it.

 

But I can't help worrying - I only have SP's word for this. Anecdotal evidence is that once these people get their teeth into you they won't let go! I don't want to wake up a few months down the line and find BCW still after me, with increased costs even though the bill has been paid.

Link to post
Share on other sites

How have SP advised that BCW's involvement has ended and that they were advised? By phone or letter ?

 

Have them confirm in writing in order to put your mind at rest.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

I emailed SP via their customer services enquiries asking why BCW had been in touch when the bill had been settled.

 

They [customer services] replied to me via email. Does this count as "in writing"?

 

email is a trackable method so is acceptable as 'in writing'

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...