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    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and concluding your topic, title updated.   Andy   .
    • So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  
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Need help ppi and welcome - a 'cheeky' reclaim?


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you reclaim them

 

they un-negoitated unlawfull charges.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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plenty of threads in this forum

follow one of those

you need to know what you are doing not just follow a script.

the more you read the stronger we become

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok I started a thread on the DCA dealing with this debt but am putting the relevant documents relating to it from welcome in here to ensure it gets the best advice.

 

Iv been reading through for months now and am slowly understanding stuff but i need this stuff giving the once over to make sure its legit and if so advice on where to find the appropriate threads for reclaiming PPI, UNFAIR FEES, and the ACCEPTANCE FEE.

 

If i can get the loan back to the original £2000 of which iv paid £282 instead of £4k then im in a very strong position to pay it in full if needed or make a substantial offer on the £1718 that would be owed.

 

The DCA were prepared to accept £1900 as F&F before I CCA'D and SAR,D them and now i can see why. In my initial call i even offered £1700 there and then which they refused the dumb idiots. ( since finding this site iv not called them only written)

 

I was told that i could not have the loan if i did not take the PPI

 

Docs are as follows

 

CCA

cca2-1.jpg

 

CCA3.jpg

 

Please note the signature left in the PPI section is not mine, mine is in the box above and this one is completely different so i dont know whats happened here :(

 

personal loan statement

pls1.jpg

pls2.jpg

cca1.jpg

Edited by TheCherry0121
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Ok so i spoke to the DCA today on the off chance i might actually get somewhere. I really need someone to look over this to see if my F&F offer is good or not. I got them down to £1500 as i stated that the ppi signature was not mine and fraudulent as my real signature was in the box above and that if it went to court id fight all the way.

 

As usuall i was asked to pay there and then but i told him he wouldnt get a penny untill it was in writing and was stated in said letter that it was F&F

 

On another note he made a fool of himself saying that cattles and welcome had come through the worst to which i chuckled. He then said welcome had sold a large percentage of there book on.

 

I dont think iv done to bad tbh as i borrowed £2000 and i will of paid £1800 back in total what does anyone else think ?

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I think you can pay them a helluva lot less than that!!! Missold PPI, extortionate charges, forging your signature??? They should be paying you!!! This is an outrage!! :mad: If I were you I'd fire off a massive complaint letter outlining all your points and if they didn't immediately write off the outstanding balance you will issue legal proceedings against THEM!!!!

 

However, that is just what I would do, of course whatever you decide is right for you is entirely your choice :) If you decide to settle I think you still have a lot of bargaining power ;)

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P.S. According to your statement you have already paid them £431.46.

 

You made 3 payments of £143.82, however in those 3 months they also added £354.86 to your account for "Interest", this being in addition to the 59% APR that was already added!!!!! :mad:

 

In effect you paid £431.46 in order to reduce your balance by £76.60! DISGUSTING! :-x

 

I HATE WELCOME FINANCE :-x

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  • 2 weeks later...

Right iv made my payment for settlement

and now they are hounding me with phone calls and i dnt know what to do.

 

I used the third party cheque to cover my ass with a covering letter of terms and conditions.

 

I have there letter stating the full and final figure and sent them that exact amount.

 

But 7 calls in one day is taking the mickey,

 

thing is they dont give opening times and dont answer the phone to witheld numbers.

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so has it been cashed?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 3 weeks later...

Ok all so i have myy cca and the account is now settled in full with written proof of this. My new port of call is the fact that someone has forged my signature in the ppi box of the CCA Its so blatent its a joke

 

cca.jpg

 

Where do i stand with this and who should i get in contact with i know there going down the pan but this really is a little to far

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Hello

 

It all depends how far you want to go with it, if you think these idiots have forged your signature then thats fraud and a call to the police should be made, but i think you will have to prove that its a forgery and that could be difficult as a persons signature can differ from the last one and you may need to get handwriting expert to prove that its not yours. the cost and time for this i am not sure of.

 

The other option is to get a ppi claim going and claim back what you can, all fees and insurance, i think, can be claimed back.

 

Whatever option you choose i hope you get what you can off them.....

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Yeah but the signatures shown here aren't even close to being the same one uses an upper case letter and the forged one uses a lower case. I think I'll go I. With th ppi claim and go from there, if they get obstructive then I think the police and courts should be involved as I don't want anyone else being put In this situation.

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a handwriting analysist i believe costs around £300

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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I'm no expert, but to me the last l looks different. The top one "appears" to go bottom then up, the lower one goes top to bottom.

 

Any chance you can do a better quality of just the signatures as it also looks as if the lead character flows differently into the next as well.

 

If it does, I doubt you'll need a handwriting expert to prove too much!

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  • 2 years later...

Right all after a long battle with welcome I ended up paying a settlement figure to get rid of my debt 2 years ago.

( still not updated my credit file though lol).

 

Now I have put in a ppi claim due to me not knowing I had ever taken it out,

but when I requested my cca I found out they had actually forged my signature (poorly I might add) and added it to the loan.

 

I am currently filling in my form for the fscs and am wondering if I am entitled to anything

and if so how much roughly would the fscs pay.

 

Loan 2000

Ppi. 741.10

 

36 months

143.82 per month

59% apr(variable)

Acceptance fee 75

Interest charge 2361.42

Interest per Annum55.55%

 

That is how it is broken down on my cca and I would be great full of any help. I have paid off 25k in bad debt over the last 10 years and these people have been the worst. Am I even entitled to anything after paying a f+f settlement.

 

 

Thanks in advance for any help x

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work out total cost of PPI / total cost of loan X 100 = XX%

 

then workout what xx% was of £143.82

and you settlement figure too

 

then for EVERY payment YOU ACTUALLY MADE

 

then fill our the stat int sheet here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

i notice you had PENALTY charges too:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?268328-Welcome-help/page2

 

did you get those back?

 

dx

 

ent

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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oh yes you can!

 

TBH you should have done both of these years ago as per advise on your old thread above.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi cherry

 

well we all have issues, thats a shame

but we'll get you moving now

 

did you ever get all the statements

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok i'll have a poke around later

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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