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    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
    • Dear All,   BN, BF, HB, - Thank you for your comments.    Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc.   Its our 2nd draft and I will fine tune it tonight / tomorow.   Thank you for putting me right.    Warm regards BF   Counterclaim-1.pdf
    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
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Scottish Power nightmare...please help


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This situation has become horrendous but I will try to keep it short.

 

Privately renting a flat in a converted house since 2001,

my gas was & still is with British Gas,

electricity paid via coin meter that landlord had installed.

 

After a few years of the meter, I asked landlord to remove it which he did.

I then had a Dual Fuel tariff with BG.

 

Near the end of 2003, I suddenly start getting 'welcome' letters & bills from Scottish Power!!

I rang to say I wasn't with them, as I wouldn't spilt my bills & cost myself more money

but they refused to listen as I had apparently signed up with them.

 

I asked for proof of this which they have never had or shown me.

I have spent years trying to cancel the account that I never wanted & trying to go back to BG but SP just don't listen.

 

They have been billing me for electricity but the meter serial number they have is for an address in the next street!

I also have the problem that it seems that my meter/account is somehow attached to the flat upstairs

which means that I am being held responsible for all the tenants who have lived up there too.

 

I have been to the Ombudsman who agrees with me but who says as SP no longer have proof of my signature, the onus is on me to prove

I never signed anything with them :(

 

The bill is approx £6k at the moment.

 

I am disabled & on benefits and have now had a warrant entry letter & I cannot deal with this anymore.

 

Sorry to ramble but this is making me ill & I know it has gone on for too long but the Ombudsman took a year before getting back to me.

 

Any advice & help very gratefully appreciated...

Edited by citizenB
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I have been to the Ombudsman who agrees with me but who says as SP no longer have proof of my signature, the onus is on me to prove I never signed anything with them sad.gif

 

Surely this cant be correct.. it is Scottish Power who are demanding money and as such.. they should be the ones who have to prove that you DID sign with them.

 

I will try and find some help for you.

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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.

 

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Hi LiseyLoo,

 

I agree entirely with CitB and believe the Ombudsman's opinion is wrong.

 

It is surely down to SP to prove that you signed up with them. If SP "no longer have your signature", my response would be, "Of course they haven't, because I never signed with them in the first place."

 

I suspect that, back in 2003, agents were signing up new customers recklessly, possibly without the consumer's knowledge or consent.

 

As this has gone on so long, you could make one final approach to the Ombudsman giving them 14 days to reply, failing which you could contact your MP asking for assistance in resolving the matter. Also, ask for the Entry Warrant to be suspended pending resolution of the matter.

 

As regards the matter of you being responsible for consumption by other flats in the building, this is for the landlord to rectify and ensure that your meters register only your consumption.

 

:-)

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Are the meter numbers the same as the numbers on the bills that SP are sending you.

 

Also as Freaky has stated, you need to get onto your landlord to get this rectified and get a refund for all the power that the other tenants have been using.

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Hi LiseyLoo,

 

I agree entirely with CitB and believe the Ombudsman's opinion is wrong.

 

It is surely down to SP to prove that you signed up with them. If SP "no longer have your signature", my response would be, "Of course they haven't, because I never signed with them in the first place."

 

I suspect that, back in 2003, agents were signing up new customers recklessly, possibly without the consumer's knowledge or consent.

 

As this has gone on so long, you could make one final approach to the Ombudsman giving them 14 days to reply, failing which you could contact your MP asking for assistance in resolving the matter. Also, ask for the Entry Warrant to be suspended pending resolution of the matter.

 

As regards the matter of you being responsible for consumption by other flats in the building, this is for the landlord to rectify and ensure that your meters register only your consumption.

 

:-)

 

Hi, the Ombudsman said I should accept the bill, and they would get SP to give me £150 off as a gesture of goodwill but I refused. So the Ombudsman has said I have to deal with it alone now. Will find out who my Mp is & contact them, thanks for that. Who would actually be able to put a hold on the WoE? The letter shoved through my door was a very badly photocopied template with my name added from Secus.

 

My landlord is the worst landlord ever, he knows about the problems with the meters as last year we tried to get correct readings as there isn't a meter I can get to in my flat.

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Are the meter numbers the same as the numbers on the bills that SP are sending you.

 

Also as Freaky has stated, you need to get onto your landlord to get this rectified and get a refund for all the power that the other tenants have been using.

 

I will double check that tomorrow, I have a big box file of papers, so it will take a while to go through them all.

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I would also check with BG that they havnt made any mistakes either, they tend to make a habit of claiming meters that they are not registered with.

 

I will call them again, they were useless when this all kicked off & didn't want to know :(

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I will double check that tomorrow, I have a big box file of papers, so it will take a while to go through them all.

 

The meter number will be on the bill.

 

You can also call to find out who is supplying you, have a look at this link and see what area you can call.

 

http://www.uswitch.com/gas-electricity/guides/who-supplies-my-electricity-and-gas/

 

If it works out that SP are your provider, then BG has a lot of explaining to do. They will also have to pay back what you have paid them.

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dont forget we have a scottish power rep on this board too.

 

it would be 'poor' to not let them get involved and comment

 

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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I have contacted him with a link to your thread here.

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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I will call them again, they were useless when this all kicked off & didn't want to know :(

 

Thats BG for you.

 

I hope our rep can help you out here, please keep us updated on the situation.

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Thanks for fast response Gerry.

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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Good keep us updated as you are able.

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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Right guys, I have had this response from my MP's office:

 

Your email has been forwarded to me for attention. I have read your story with deep interest and some of the points simply amaze me. It's your responsibility to prove that you did not sign anything says the Ombudsman? That's almost as stupid as saying prove to me you've never been to the moon. The whole situation is a series of cock-ups and deserves to be exposed. I appreciate that you have a bill for £6k that is not your liability and time is critical in getting some action.

 

I wish to suggest two things. Firstly invite the media in the form of the Chronicle and Echo to make an article of this and to challenge the claims of Scottish Power as a demonstration of your innocence. If they do run a story then the national press will pick up on it and expose SP for their incompetence. Additionally you might want to get the strength of Ann Robinson (Watchdog) on TV and her team to investigate matters and challenge the CEO of Scottish Power. Watchdog are looking for people with disputes with energy suppliers as their website states and I would imagine that your story is an interesting and deplorable one.

 

http://www.bbc.co.uk/watchdog/about/

 

Whilst there is a TV investigation they are more likely to suspend demands until everything has been sorted and hopefully in your favour.

 

Certainly Mr Binley can write a letter to Scottish Power asking for an explanation but it may take weeks until they reply and even then there is no guarantee that they would reverse their decision against you.

 

Locally, have you contacted the Citizens Advice Bureau or Community Law? Their numbers are CAB - 08448552122 and Com Law is 01604-636112.

 

Please let me know if I can be of any further help and I'd be interested to learn what progress you have made.

 

 

Graham Goldcrown (Senior Caseworker)

Office of Brian Binley M.P.

The White Lodge

42, Billing Road

Northampton

NN1 5DA

01604-633414

 

I sent him this reply:

 

Thank you so much for your quick reply.

I have contacted Watchdog several times over the years and most recently back in February but unfortunately had no response to my emails.

I shall try the Chronicle and the CAB again as they said I had to deal with the Ombudsman first.

I would certainly appreciate a letter to SP from Mr Binley as they will probably take more notice of him rather than me.

 

...and in the meantime I have heard back from Gerry but his email has just made me more upset & worried than ever. Am I allowed to put his email on here for you to read & advise me on?

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Very positive response from your MP's office.. I will just check if you can put the email from SP on the forums.. I dont see a problem... but just making sure..

 

BRB

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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LiseyLoo,

 

If you're unsure about posting the email from SP, send it to one of the Site Team first so we can decide if it's ok to post on-thread.

 

Good to see the quick and helpful response from your MP's office.

 

:-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Yes please forward any concerns to site team via the report icon lower.

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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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I think that we would also like to see the Ombudsman letter which tells you that you have to prove that you did not sign anything.

 

We can help you contact the press on this as well.

 

Please would you send an email to our admin email address with a phone number so that we can call you for a chat.

 

Ta

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I have gone through my box file quickly and I have found electricity bills from BG from 2004 & 2005, letters from SP to a Ms Sonia Lane at my address welcoming her as a new customer in 2007 & 2008 (nobody of that name has ever lived here), a letter from SP that states I signed a form but no proof of my signature.

 

I will be back later with more info as I have to go to hospital now.

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  • The old BG bills will be very helpful.
  • We are happy for you to post a copy of my email but please be cautious about your details, in particular the MPAN and address. Please also remember that we cannot post information about you or your complaint or account as we have a duty to keep your information secure.
  • Because we cannot respond in detail on this public forum it may appear that we are being defensive or overly cautious, this is not the case but we balance this with our requirement to safeguard our customer's privacy.
  • We are happy to deal with your representatives.

I will email you this afternoon.

Gerry

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You can certainly post up your response from SP on the forum removing any personal/identifiable markers or if you would prefer to pm me or citizenb who can check it and put in a summary for you

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Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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