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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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Wrong Meter Reading given by last owner - Attention of EON Rep


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I moved into a house in Dec. I rang utility companies and gave gas and elec and water meter readings. I have just had a £900 elec bill which is showing an incorrect start reading. I gave them 28000 and they had it on their records as 21000. The gas is correct (same supplier) but they refuse to accept I posted 28000 with them and demand I pay. I only live in the house 3 days a week, and it only has 2 rooms, and if you work out the bill from the reading I have them it is what I would expect, but they keep saying I have to pay. What can I do?

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Hi hildaw

 

Welcome to CAG

 

What's the name of the Utility Company? Clearly if the meter reads 28000 and thats the info you've given them, even if you've given them the wrong info the meter reads 28000, that should be the end of the matter. I'd go as far as to say you've given them the right info, but they have altered it to generate further profits for themselves. I recently changed supplier, I gave them electricty readings over the phone, I gave them the same readings online, the meter reader came around gave them the same meter reading, you guessed when I got the bill the electricty bill the reading was slightly higher. The utility companies thrive on creating mistakes to take advantage of consumers.

Have a read of number 16/17 in my signature. Communicate with them via letter, send letters Recorded, state the Account is in Dispute.

 

Some tips:- http://www.dailymail.co.uk/femail/article-1242161/How--write-letter-complaint.html

 

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTS CLICK HERE

 

Thread has been moved to the correct forum.

 

Let us know what happens.

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Hi,

When I took over the property the supplier was Eon. I changed to Scottish Power and have no problem with them, they took my readings and my first bill was fine and in line with what I expected.

Eon however, say the reading of 21000 came from the previous owner. There closing bill is £900

This cannot be the case, he bought the property, never lived in it, but did it up to sell on. I t has been on the market for 12 months until I came along, because the first buyer pulled out after 6 months of procrastinating. Meanwhile the property was not lived in. There was no supply used in the property during this time, except for the occasional elec light when viewers visited.

EON say I must take it up through my solicitor and the previous owner, but why should I.

I always thought they should take the reading that the new occupier gives, as the previous occupier could say anything to get a rebate even?? Whereas my usage would soon show if I had been fibbing.

Thing is, what do I do now?

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Hi hidlaw

 

Well, EON need to chase the previous occupant for the monies owed, 21000-28000, you quite rightly provided the 28000 reading to Scottish Power.

As far as I can see this is an issue between EON and the previous Occupant.

There is a EON rep on this site who can look into the matter :-

 

http://www.consumeractiongroup.co.uk/forum/member.php?323098-E.ON-Company-Rep-Malc#

 

I've edited the title, let us know what happens.

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Hi hildaw

 

Must admit, not quite sure from what you've posted, but first impressions suggest this does sound like a third party dispute.

 

You say, the reading of 21000 was provided by the previous owner when responsibility changed hands. If this fell in line with the pattern of usage on the old account then there would have been no reason to question this reading. Consequently, this account will have been closed to this reading and a final bill sent to the previous owner.

 

This reading will then have been used to start your account.

 

Changing your starting reading will have implications for the closing reading used for the former owner. Hence, I suspect a third party dispute.

 

This is not to say you can't ask us to re-check the readings used.

 

Sorry I can't offer anything more positive at this stage hildaw.

 

Malc

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The previous occupant had an account with Eon, the last reading Eon received from the previous occupant was 21000, the previous occupant didn't give Eon the closing reading when they left which was 28000, but I suspect that Eon would have got that information from Scottish Power to carry out the 'switch'. The new occupant has given Scottish Power the opening reading of 28000 and received the correct bill for their usage. So I still see this as a Eon/previous occupant issue.

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Hi hildaw

 

I must fully agree with rebel11 but could you just clarify a few thing please.

 

1. The Reading of 21000 provided to EON by the previous was given to them on which date and was it a "Final Meter Reading"?

2. The Start Reading of 28000 provided by you the New Owner of the Property to New Supplier was on which date?

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I'm afraid this isn't quite the way I see it guys.

 

Could be wrong but I'm interpreting the OP's situation as an issue with the start reading for the account once they had taken over responsibility for the property. I don't see it as an issue with the reading at the time the supply changed hands.

 

The way I see it, the OP took over on x date and believes the reading for this day should be 28000. However, we have a reading from the previous owner for the same day of 21000 which we've closed the old account to.

 

As it takes several weeks for a change of supplier to go through, there will be another later reading which the new supplier will use to open their account to. This, I suspect, will be in excess of 28000 so will not appear out of line.

 

Must admit, from the info available, I'm not sure and am quite happy to be proved wrong. However, the OP did say in their first post the matter related to an incorrect start reading and this is what I've been going on.

 

Malc

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I'm afraid this isn't quite the way I see it guys.

 

Could be wrong but I'm interpreting the OP's situation as an issue with the start reading for the account once they had taken over responsibility for the property. I don't see it as an issue with the reading at the time the supply changed hands.

 

The way I see it, the OP took over on x date and believes the reading for this day should be 28000. However, we have a reading from the previous owner for the same day of 21000 which we've closed the old account to.

 

As it takes several weeks for a change of supplier to go through, there will be another later reading which the new supplier will use to open their account to. This, I suspect, will be in excess of 28000 so will not appear out of line.

 

Must admit, from the info available, I'm not sure and am quite happy to be proved wrong. However, the OP did say in their first post the matter related to an incorrect start reading and this is what I've been going on.

 

Malc

 

I gave the reading on 21 December. EON claim they got the meter reading from previous owner on same date. Don't see how, he wasn't there to take it. Either way this is a tiny 2 up 2 down house. I work nights 4 days a week. How can anyone suggest I have used £900 worth of elec in that time.. House had been empty for 6 months prior to my purchase as previous owner had moved out and his sale fell through.

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Something I omitted to say in my earlier posts, my supply was taken over by the new energy company on 21st January, exactly one month after I moved into the property. I have spoken at length today with EON, and they absolutely maintain that the bill is my responsibility, they are going to escalate it, but still consider I have to pay. How is it possible that they are going by a previous owners readings, who left the property empty for months and not mine as the new owner? When I gave them my readings they accept that the gas reading concurred, but say they have spoken to the previous owner who assures them the readings he gave them were correct. If my reading did not stack up with his, why didn't they come out immediately and check? I don't understand why this has come to my door.

My Mom spoke to her solicitor today and he said bounce it straight back to EON they havnt got a leg to stand on, but I find this whole thing is giving me sleepless nights, and the EON people speak as if they don't intend to let go.

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Yes 21000 was final reading, so they say, and my reading of 28000 was a new owner start reading. We don't seem to be in dispute over the gas. I was moved to the new supplier on 21st Jan, one month after moving in, so couldn't possible have used £900 in one month.

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Why, when I phoned in my start reading, if it didn't correspond to what they had as the closing reading, didn't they query it by checking the meter? Seems simple to me. As the property had been empty for 6 months prior, don't see how they could have a 'pattern of usage' And, given I moved from EON one month after moving in, its outrageous too suggest I have used £900. Isn't it obvious to them what has happened her, why are they chasing me for someone else's debt?

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Send a letter telling them your disputing the account, send a SAR to them requesting all the data on the account, I take it that Scottish Power started your account with 28,000. As you say no problem with the gas reading. They're basically saying you've used £27 worth of electricity each week. The only way you are going to resolve this is by getting the info. I bet the previous occupant has low useage recorded for a period or two.

 

Something I omitted to say in my earlier posts, my supply was taken over by the new energy company on 21st January, exactly one month after I moved into the property. I have spoken at length today with EON, and they absolutely maintain that the bill is my responsibility, they are going to escalate it, but still consider I have to pay. How is it possible that they are going by a previous owners readings, who left the property empty for months and not mine as the new owner? When I gave them my readings they accept that the gas reading concurred, but say they have spoken to the previous owner who assures them the readings he gave them were correct. If my reading did not stack up with his, why didn't they come out immediately and check? I don't understand why this has come to my door.

My Mom spoke to her solicitor today and he said bounce it straight back to EON they havnt got a leg to stand on, but I find this whole thing is giving me sleepless nights, and the EON people speak as if they don't intend to let go.

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Hi

 

Fully argee with rebel11 on this dispute the account.

 

I would also ask for a copy of their policy/procedure regarding meter readings and

 

under exactly what legislation or act of parliment states the previous owners reading that is phoned in to their company is accurate without actually being taken by a qualified meter reader.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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  • 11 months later...

I have a not unrelated problem with this company. Gas readings are ok but the previous owner and meter reader have been entering the electricity reading incorrectly. The meter is a Siemens digital meter which displays 6 digits. If the first digit is zero, then only the last five are displayed with no leading zero. Both the owner and Meter reader have been entering the five digits on show and not the first four preceded by a zero. The upshot is that the previous owner has been paying ten times the true amount!. For a house with GAS central heating and GAS fires, the owner was paying in excess of £130 per month for lighting, fridge, electric cooker and TV. She did not realise she was being overcharged. I am now in a battle with them over this. It will be interesting to see if they accept the mistake and refund the thousands of pounds owed to the previous owner.

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Hi Aelfred

 

In situations like these, where there's a dispute over the meter reading format, it's best to arrange a visit. This will be to check the technical details of the meter to make sure we have it set up correctly on your account. There's no charge for this type of visit.

 

If we've billed incorrectly in the past, we'll re-bill to the right configuration. Should this result in a credit balance, we'll be happy to refund this.

 

To arrange a visit please ask the advisor looking after your query.

 

Hope this helps point you in the right direction. Give me a shout if you need any more advice as happy to help.

 

Malc

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