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    • So here is where things stand at the moment (sorry it's a very long post!):   I moved into this property in November.  I contacted both my electric and gas suppliers to change address and get my accounts moved over.   Electric - I closed my old account from my previous address, opened a new account for this address, set up a direct debit and requested they become the supplier.  The only thing that was outstanding on the account was a discussion about tariffs.  On 21st November they tried to call me but I didn't answer (judging from the time I was probably driving home from work).  I received a payment from them at the end of November from my previous account (which I clearly didn't check as I thought it was money going out for my direct debit).  I incorrectly assumed the call was about tariffs, which tbh, I'm not really fussed about. Their request to become the supplier was rejected but they didn't follow up on it or try to contact me again.  So I, like an idiot, thought it was all sorted out.  It's only now that I've been through my account that I realise they haven't been taking payments. I have spoken to them since Friday and the above is what they have told me has happened.   Gas - I closed my old account and have been trying to get a new account opened since November.  I have had several discussions with them re: the change request being rejected and they didn't know why it was being rejected but to leave it with them.  They told me at the beginning of this month it would be done by the 21st January.  During this phone call they said I could call the current supplier to make sure it goes smoothly but that it wasn't essential as they expected it to be completed by the 21st.  Last week they sent me a final demand for my previous address.  I contacted them to raise a complaint as I thought they were at fault, as I expected it to have been changed as per the above.   I spoke to them on Saturday and have sorted out my final bill and they have advised me to open accounts with the current supplier, Spark, clear them and then I can switch. Interestingly they also told me that Spark went bust in 2018 and it is a company called Ovo who are on the national database as the gas supplier.   Spark - This is the company who changed the meters on Friday.  I have two letters (one for gas, one for electric) that were left with the smart meter they had plugged in in the kitchen, both addressed to the previous tenant.  I obviously did open these on Friday.  Both letters state that they had changed the meters to prepayment meters.  There are several boxes that list current debt, amount of credit on meters etc none of which are filled in.  They also state that a booklet has been left explaining how the smart meter works.  There was no booklet. When I contacted them on Friday they told me that I was in fact on credit meters (I don't know if they changed this remotely when they realised I wasn't the person with the debt).  They also told me they had every right to enter the property and aren't able to check every time who the current occupant is and I should have told them I'd moved in.  I was told that someone would call me at 1pm on Saturday to discuss my complaint, thus far no one has called me.   I spoke with citizen's advice yesterday who really weren't much help tbh.  They said I should have contacted the current supplier when I moved in and provided a copy of my tenancy agreement.  I've moved A LOT over the years and have never had to do this.  I have checked several energy supplier websites and they all state to switch to them or move home simply to contact them and they will basically do the rest, not one of them states that you need to call the current supplier... obviously, on reflection I really wish I had!   My letting agent/landlord have requested that I take any post for the previous tenant to them and they will return it.  They also want confirmation of what type of meter (prepayment or credit) is now in the house.  The locks were changed when I moved in so only myself, the letting agent and the landlord have a key.  None of us let them in on Friday.     My next step is to open accounts with Spark/Ovo, clear the balances since November and then change suppliers.    All of the above have advised me to follow Spark's complaint procedure which I will do but as I said above they haven't contacted me so far re: the complaint I made on Friday.   Should I also contact Marston's to raise a complaint with them?   Whilst in all of this I do appreciate I could have done a fair bit to have made my life easier and probably prevented this happening (hindsight is wonderful!) my main complaint is that neither Spark nor Marston's felt they needed to perform a very simple check and see who actually lives in the property before breaking in.  I cannot for the life of me see how this is acceptable or legal.  Whilst they had the legal right and a warrant to enter the previous tenant's property as far as I am concerned they had no right to enter mine.    
    • I am in the process of looking on the land registry and it's showing on there alongside Lloyds bank,am going to look at deeds aswell  
    • Just a note that these appeal Trade Associations, are bodies these fleecers belong to so they are allowed to operate, appeals almost always fail, and by appealing important protections under POFA are lost as the appeal almost always identifies the driver.  Irrelevant in your case as you own the space, and the PPC have no rights in law over it.  POPLA appeal could also fail as POPLA wouldn't look at primacy of contract and the fact you own the space so can tell the PPC to Foxtrot Oscar. Whole Private Parking Industry is a money machine for unscrupulous ex cowboy clampers.
    • If you have insufficient evidence to support the claim, it is very difficult.   No point going to any Personal Injury Solicitors, as they are going to ask you questions to determine how easy it is to win compensation and for them to earn money.    Given lack of evidence and that you are unlikely to receive help from those who just seek to earn from the incidents, I can only suggest that you write to the HR Director/Manager to make a complaint. Do not say anything about looking to take them to Court for personal injury.  Stick to the facts about what happened and the way it was dealt with.  Ask for copies of the incident/accident report forms that should have been completed by the line manager responsible.
    • My point was that the fear being generated is disproportionate to the current threat. Initial under reporting of cases gave an inflated picture of the percentage death rate and images of cities in lockdown do look like a disaster movie so I understand why. This article is worth a read for some perspective. https://www.theguardian.com/science/2020/jan/27/what-is-coronavirus-symptoms-sars-china-wuhan          
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richarddawkins

home repossession and effects on health

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Great thread. This goes out to all, don't worry about what they throw at you, it never stands up! think that your the first of your generation to do your best for your future generations, in 200yrs will any of todays matters be an issue? if anyone has question, thought or worry...please ask, I have a few good tips to help.

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Thank you for your kind words and understanding Ro, its so hard, so sad.

Hope you are all well.

Take care

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Update from me, I have put my case to the FSA, three days before the 3 month break finishes from when Paratus start chasing again - so I can just do a one line letter stating case with FSA and give them the reference no.

 

FSA seem to think that giving me a 'rebate' without a breakdown is enough to go by, let alone the problems with getting information out of them, and their blatant lies in the letters they have written.

 

Sorry to hear about the loss of your cat, the loss of a pet can be very hard to take - hope things pick up soon.

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Hi Tuttle,

in 200 years time eh, I'm a family historian and it's of great interest to me what went on 200 years ago I'm one of those strange people who think a step backwards is progress :lol: thank you for the offer of support it's appreciated.

 

xxxxxRo

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Starblackie,

I know you won't feel much like anything at the moment but I just wanted you to know we are thinking about you,

love Ro

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FSA seem to think that giving me a 'rebate' without a breakdown is enough to go by, let alone the problems with getting information out of them, and their blatant lies in the letters they have written.

 

Hi SG,

oh I really wish you well with this one, lies seem to be the done thing with these people and none of them willingly give up information,

 

good luck

Ro

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Got the FSA forms today, going to do a draft before I send them off, have dug out and copied the correspondence, and will do a cover sheet showing where they contradict what they are doing (including immediately taking me to court in one letter) and their statement that they did not repo me, the second charge one did some 6 months BEFORE they took over...haven't had any letter from them yet but have the reference no to pass onto them to shut them up for another 3 months or so.

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Go through it with a nit comb.

Fingers crossed for you.

Ro

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i've cleared my nram, today the solicitors sent a CC date, what a bunch of bullies! i'm going to continue the fsa, trading standards and fos route, because of health and family issues that effect people in the UK. Lets put a stop to these tactics, I know that some peoples 2/3 months arrears are alot, but i bet some are next to nothing for struggling familes who can't pay, why is there blanket treatment?

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Hi tuttle,

bullying seems to be second nature to these people and I admire you for taking a stand and you are right debt has to rank as one of the most destructive things that a family can have to deal with. I suspect that the blanket treatment dished out to debtors is because of the depersonalization culture we live with, we all end up as numbers so yes fight your corner and remind them that you are a human being and remember that those who are causing such misery have been found to have acted criminally and fraudulently,many people who owe money have either been unlucky or misguided and have not acted criminally. Good luck.

 

Ro

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Hi tuttle,

bullying seems to be second nature to these people and I admire you for taking a stand and you are right debt has to rank as one of the most destructive things that a family can have to deal with. I suspect that the blanket treatment dished out to debtors is because of the depersonalization culture we live with, we all end up as numbers so yes fight your corner and remind them that you are a human being and remember that those who are causing such misery have been found to have acted criminally and fraudulently,many people who owe money have either been unlucky or misguided and have not acted criminally. Good luck.

 

Ro

 

indeed, i agree with all you have said, the main issue in the whole country is: the unlucky who own their property and have lost thier jobs, claiming DWP payments on the SMI - have been so pushed in repossessions because the interest rate being paid is less than is charged, the amount is such that after 2yrs and the mortgage help will stop, the shortfall is enough for repossession procedures at the start from that date, shows that this government are truly acting in a way to manipulate the market. The paper for this strategy was written by a university at the time of the coalition came into power, and initiated at that time, so 2yrs on and the repossessions are rife. A total un-caring and out of touch government we are at the mercy of.

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