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

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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.

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


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thank you, that would be great.

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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 :)


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Uploading documents to CAG ** Instructions **

 

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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

 

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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Thanks, I really appreciate your help. Hopefully they'll get this sorted out.

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Hi

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


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The debt collection agency is CCA (I think, I left the letter at work unfortunately). I spoke to them on the phone and they made no mention of being from Scottish Power.

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no, sorry,the agency is CCS :oops:

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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


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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.

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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.

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thanks JonCorzine, I will write both the debt collection agency and Scottish Power if it isn't sorted out soon.

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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.

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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

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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.

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Hi kniv,

 

This should be failry simple to sort out for you.

 

If you can send me a PM do this with your address detaisl and a contact number and I will look at this for you.

 

If not pop me an e-mail to onlinecomplaints@scottishPower.com

 

Kind regards

 

Graeme @ ScottishPower

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Thanks Graeme, will email details to you as I can't yet send any PM's.

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Kniv I think you should also try this one.

onlinecomplaints@scottishpower.com 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.

 

 

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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.

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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.

 

 

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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

 

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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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.

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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

 

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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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"?

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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

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