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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.
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    • 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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      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?
       
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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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Hi all,

 

A long term lurker but this is my first post. I really need some advice please.

 

I had loan with mini credit which I defaulted on. I contacted them before the due date, explained the situation and asked to come to an arrangement. I will completely ignored. The original loan was £760 and they have continually hiked on charges and it now stands at approx. £2700.

 

I contacted FOS as mini credit were ignoring me and raking up the interest.

 

FOS called me on Monday to say mini credit had agreed to completely write off some debts, mine being one of them. They then emailed the acceptance form to sign and return, which I did.

 

THat afternoon a lady from mini credit called and asked whether I was accepting their proposal, I gladly explained I was. She then asked me what the offer was I was accepting (I did say I thought it odd that she didn't know) but said it was for them to write off the debt. She said they would never do that and they had not offered that to me. I then called FOS and the lady I had previously spoken to (and emailed acceptance form to) said don't worry MD had made this decision and maybe staff did not know.

 

Well, today I have had a call from anothe lady at FOS who has said, she is sorry but my debt is not one that mini credit is willing to write off. I apparently have been added to the list by mistake. She stated when she realised she called mini credit and asked if they would add me, which they have declined. She said they have agreed to take off all charges and most interest and thinks it will be around £800 to repay but will email the correct proposal.

 

I am also worried they are going to default my credit file to the tune of £2700.

 

What should I do? accept the proposal of a reduced balance and come to an agreement with them, hoping it sticks this time.

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Can you contact the tabloids? :jaw: Seriously I think the FOS are messing up big time : (

Really it's got to be their problem they shouldn't have told you one outcome and try change it, surely?, as you have it in writing?

 

 

Make sure you get and keep absolutely everything in writing and you should be okay and for what it's worth Mini Credit do not seem to mark report - I was a previous borrower to

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Dont worry about your credit file. They cant and wont add it to it while you are disputing the debt. Be warned that they are trying to get people to call them by phone due to ongoing OFT investigations against them. They think that by only using phone calls they can hide their tracks. However, it is your legal right to keep everything in writing, especially if they intent to pass the case to a DCA or even court. (They wont pass your case to a DCA, and if they do, a simple form letter which can be found on this site can easily place the debt back at minicredit).

 

Write to them, and DEMAND that everything is kept in writing. Should they text you or call you, those calls will go ignored and unanswered. it is your legal right to have EVERYTHING in writing so you can prepare a defence with evidence should they take you to court or try to register a default on your credit file.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for the replies. I do have the offer in writing and an acceptance form which I signed and sent back to the FOS.

 

So I am clear then, going forward, I should not speak to either mini credit of FOS on the phone. What is my next course of action, should I complain about FOS and if so who to?

 

Mini credit have an open account on my credit file should balance as nearly £3000, are you saying they won't update that anymore and add a default.

 

I have to say I really upset about this, to be offered and accept an arrangement that has now been withdraw - surely that is not right. Should I contact the press, if so who.

 

Thanks again for any help you can give me.

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They will try and keep adding charges. It's what they do. They even make up some charges as they go along.

 

Dont be upset about it, thats what they are banking on, hoping you will cave in and pay the full amount.

 

If you have the agreement in writing and it is clearly addressed to you, keep a copy. Also, contact the FOS/OFT again and DEMAND clarification. As another poster pointed out, you could even go to the media with it, but gaining legal advice would be a good first step. Try the national debtline, and explain EVERYTHING that is happening and what the OFT have done. They should be able to put you through to someone who deals with these guys specifically.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi magnic

 

Could also try this - http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195356

 

Link gives contact info for Community Legal Advice which is free to use

 

 

You have it in writing from the FOS, totally understand your upset - do NOT give in :-)

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Magnic,

Sorry, probably being a bit thick but when did you lodge your complaint with FOS? Minicredit have confirmed following the BBC investigation that they -

 

"as a one-off gesture of goodwill, Minicredit is settling all complaints lodged with the FOS last year. We would like to apologise to the affected customers if the service they received from Minicredit did not meet their expectations or the high standards we set ourselves as a company"

 

https://www.minicredit.co.uk/media_bbc

 

Are you suggesting now that they are not prepared to follow up on this "promise"?

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Minicredit... following up on "promises"? bwahahahaha

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Spoke To FOS today apparently because I have loaned from mini credit in the past I am not included in debts they will write off. The md if mini credit has stated categorically no to writing off my debt. FOS have advised that I accept the offer if repaying the debt without the charges as that is what the adjudicator would rule

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Get back in touch with them. They have specifically agreed to settling ALL accounts that had complaints lodged with the FOS last year.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ask them for full clarification and also state that Minicredit explicitally stated that they would be settling ALL accounts that complained to the FOS last year. If yours was one of them, then they cannot go back on what they said.

 

However, if you didnt make a complaint during the stated time period, then youre back at square one.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Magnic,

 

That's bang out of order. Have FOS confirmed this in writing to you? I lodged a complaint against Minicredit last year with FOS and are still awaiting it to be passed to an adjudicator?

 

As far as I can tell, the statement on their website and on the BBC makes it clear that all complaints made to FOS during 2010 will be settled. If they've decided that they're renegading on their "promise", which to be fair isn't worth the paper it's written on - get back in touch with Money Box at the BBC, the link below will take you to it.

 

I'd be interested to hear if the BBC are interested in the fact that they may have been grossly misled by Minicredit if it's the case that not all cases will be settled??

 

http://www.bbc.co.uk/news/business-17127951

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magnic @ 15.31 - you must have a reference number for FOS? Also a point of contact? I'd suggest ensuring you obtain the info/ formal response in writing so you can raise to the media (should you of course decide to take that course of action).

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Yes I have a reference number I even have the offer of writing off the debt in full and final settlement in an email and a letter that arrived saturday

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Keep that letter as full and complete proof. If they refuse to adhere to it, you can then take a court judgement out against them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have today received a email from mac hall offering to negoiate repayment plan on balance minus the interest. Also checked my credit file and they have defaulted me for nearly two thousand pounds. They updated that in jan I thought they could not do that whilst account is in dispute. How do I get that removed

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The details should be on your credit file on how to dispute a default. You can always get legal advice. Especially since theyve since agreed to wiping the interest.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have today received a email from mac hall offering to negoiate repayment plan on balance minus the interest. Also checked my credit file and they have defaulted me for nearly two thousand pounds. They updated that in jan I thought they could not do that whilst account is in dispute. How do I get that removed

 

Who has put the default on your credit file? MiniCredit or Mac Hall?

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Quick update FOS have replied saying Minicredit

will not write off debt. Offer is loan amount minus

interest in full and final settlement. They also say

Minicredit had every right to default my credit

file as they have a responsibility to show true state of

account.

 

My questions now are should I accept this settlement

and I thought they could not default an account whilst

in dispute.

 

I have complained to oft and ico.

 

Advice urgently needed.

 

Thanks

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