Jump to content
  • Tweets

  • Posts

    • When it comes to animals my heart is just shallow. Sorry to hear that.
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      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?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

Scottish Power nightmare...please help


Please note that this topic has not had any new posts for the last 2918 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Sorry I haven't updated sooner but this is making me feel so ill. Anyway, here's the email I received from Gerry:

 

Hi Lisa

 

You mentioned in the original post that British Gas supplied you prior to 2003, do you have a copy of a bill from them? In particular I need a note of the MPAN (Meter Point Administration Number) from then. The MPAN is a unique number to your property and does not change when there is a change of supplier or when a meter is changed. The industry records for the MPAN that Scottish Power are billing show that BG have never supplied the property & obviously you are stating differently.

 

My colleagues have previously written to you to advise that British Gas have never supplied the electricity to the property and they have confirmed that to me today.

You have also been advised that in 2003 we did agree a contract and that because of the passage of time we can no longer provide a copy of this, it simply does not exist anymore. However, it does not change the fact that Scottish Power have been and remain the registered electricity supplier.

 

My understanding of the situation is that this was a house which was converted into 2 flats. There are 2 separate gas supplies neither of which is supplied by Scottish Power. However, there is only one electricity supply to MPAN 11 **EDIT OUT IDENTIFIER** and this is registered on the

national database as Ground Floor Flat **EDIT OUT ADDRESS**.

 

However there is NO separate electricity supply for the upper flat. This unfortunately is

an issue for you to resolve with your landlord and/or upstairs neighbour.

 

 

I realise that you have exhausted our complaints process and been through Consumer Focus and Ombudsman Services: Energy and you remain unsatisfied. However, we are a commercial organisation and we legitimately expect payment for energy that we have supplied. We want to try and help but to do this you will need to accept that we are the registered supplier and that we are entitled to payment.

 

 

I am sorry if the tone and content of this email are disappointing to you, but we have to be realistic. We are happy to set up an extended

payment arrangement to help cover the ongoing consumption and clear the debt.

 

Kind regards

 

Gerry

 

 

My reply to Gerry is:

 

Hi Gerry

 

Thanks for your email.

 

Unfortunately, yes, I did find your email very upsetting. This could have been solved many many years ago by SP admitting that my account had been taken over without my permission and letting me go back to British Gas.

 

 

However, the situation is making me very very ill now so I would like it dealt with once and for all.

 

 

The number in the grid at the bottom of the BG electricity bill is S 02 *** *** on the top line and 11 **** **** **4 on the bottom line (my scanner is broken). Do you need the customer reference for the BG electricity bill?

 

The number in the grid on the SP electricity bill is S 01 *** *** on the top line and 11 **** **** **9 on the bottom line.

The electricity MPAN number on a letter from Siemens is 11*** *** ****9.

 

I hope this helps with your enquiries and I do appreciate your help.

 

Regards

 

Lisa

 

 

I also have been in contact with Laura Whately at The Times and have emailed more details to my MP so he can contact SP too on my behalf. I know it sounds like I'm going for a 'belt & braces' approach to tackling this but I cannot cope with the stress of it anymore, especially now I am having chest pains.

Edited by citizenB
Removed identifiers
Link to post
Share on other sites

Ok,

 

I see they claim there is only one electricity meter to the property. Have you spoken to the occupants of the other flat and asked them if they have been receiving electricity bills and from which supplier. You might also need to speak to the Landlord of the property as well - see what they have to say.

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

Link to post
Share on other sites

The latest tenants upstairs moved in late May this year & are still waiting for a bill from nPower...

 

I think everyone who has lived up there has struggled to get a leccy bill and in the end just not bothered to paid anything.

 

The landlord has zero interest in this whole matter, he doesn't care about anything other than getting his rent. It took me nearly 4 years to convince him that the old single pane sash windows were worse than useless & I also spent months without a working boiler over winter one year because he 'forgot' to tell the plumber :(

Link to post
Share on other sites
Sorry....

 

 

My understanding of the situation is that this was a house which was converted into 2 flats.

 

There are 2 separate gas supplies neither of which is supplied by Scottish Power. However, there is only one electricity supply to MPAN 11 **EDIT OUT IDENTIFIER** and this is registered on the

national database as Ground Floor Flat **EDIT OUT ADDRESS**.

 

However there is NO separate electricity supply for the upper flat. This unfortunately is

an issue for you to resolve with your landlord and/or upstairs neighbour.

 

 

 

According to Gerry - there is only one electricity meter ! Yet there are two flats - each flat should have their own meter (supply) I would have thought. Presumably this is the reason that tentants in the upstairs flat are having problems.

 

It looks to me, as though the one leccy meter is registered in YOUR name and therefore you are paying for the other flat's electricity as well.

 

I wonder if it might be worth having a word with Shelter to see how you can get your Landlord to sort that out !!

 

It is all very well for Gerry to say that electricity is being used and they require paying for it.. however, you are not using all the electricity.. !!

 

 

There needs to be another meter for upstairs.

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

Link to post
Share on other sites

Hi Lisey Loo,

 

Re the leccy meter, there obviously needs to be another meter for the top flat. Sounds like your LL is not likely to be reliable so perhaps SP Rep can suggest how a new meter can be installed (at the LL's cost if payment is required for this).

 

And SP could perhaps help you work out what you owe for your consumption, so you're not being asked to pay for the consumption for the top flat.

 

Do you know when you last paid an electric bill, I assume, to BGas.

 

We may never find out how SP came to be the supplier for your electricity. However, unless you've paid anyone else for electricity, it seems reasonable that you have to pay someone for it.

 

From the email above, it appears that SP will try to help sort this out and collect any arrears due in a manner that you can afford, bearing in mind your current income.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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

 

Thanks !:-)

Link to post
Share on other sites

Hi

 

I feel we are missing one point here that is the OP states that they asked the landlord to change the meters from coin operated to other meters.

 

Could you please clarify the following:

 

1. When it was coin operated was it the energy company that collected the money or was it the landlord?

 

2. When you asked the landlord to change this meter were you having to provide meter reading to an energy provider with bill of your account?

 

If this meter was installed but the landlord and then changed at your request from coin meter to normal meter then your landlord would have to contact the energy provider for electricity to your property to request a change of meter which may or may not cost depending on energy provider.

 

Have you asked the landlord which energy provider he went through to change the meter?

 

I suspect that the landlord may have used scottichpowers services to change the meter therefore the reason for there claim that they are providing the electricity to your property but that is only an assumption.

 

Now a site that may be of use to you is the Association of Meter Operators: www.meteroperators.org.uk/

 

Have a look at the FAQ Section and also the contact details as the consultant may be helpful have used then myself with an issue getting my meter moved due to my disability and he couldnt be more helpful with his advice.

 

Also what does your Tenancy Agreement say about UTILITIES?

 

This website may also be of use www.uswitch.com it gives you a list of the different energy regions contact details to find out the current supplier of your property

 

I would also advise writing to the energy provider (always get proof of posting) to place that account "IN DISPUTE" until this is resolved.

Edited by stu007

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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

Link to post
Share on other sites

Looking at your post #23 above, I wonder if it was Ms Sonia Lane who tried to sign up with SP but of course there was no separate meter for her to be billed through.

 

Also, SP appear to be wrong in saying that BGas never supplied the property when you clearly have bills that show they did.

 

I would also take issue with SP's email which says, "However there is NO separate electricity supply for the upper flat. This unfortunately is an issue for you to resolve with your landlord and/or upstairs neighbour."

 

If it was, in fact, the occupant of the upper flat who applied to be supplied by SP, then it is true that you never signed a contract with SP, nor did you ever wish to be supplied by them. As you've already said, you were on a Dual Fuel Tariff with BGas so why would you want to split the supply when this would cost you more !!

 

Between them, the LL, BGas and SP should all share responsibility for this mess and it appears grossly unfair to expect you to have to pay for their errors.

 

As I said above, it's reasonable that you pay something for the electricity that you've used, but ONLY for your personal consumption.

 

If I'm right, I think SP need to accept that they have made huge errors here and they have failed to listen to what you have said all along.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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

 

Thanks !:-)

Link to post
Share on other sites

I don't think that Scottish Power's position that they don't have the contract because of the passage of time is a tenable position.

 

They have a duty to keep all records which are relevant to what they believe is an ongoing account.

 

Basically they are telling you to prove a negative - that you don't have a contract - because they have lost or destroyed any paperwork - assuming that such paperwork ever existed.

 

If Scottish Power wants to argue that there is a contract then they have to prove it. If it went to court, they would have to prove the existence of a contract.

 

I think that is entirely dishonest of them now to try and rely on the fact that they are unable to produce any evidence of a contract and simply write it off to the passage of time.

 

I have no doubt that you must pay for the energy you use - to someone or other. However, if there is no contract and if there is a reasonable basis for saying that the SP contract was missold to you then I would say that you owe money to SP for yourself - and that they must look out for themselves in respect of any power not used by you.

 

It is far too easy for these people to try and pass the buck.

 

If you can show that you had a proper agreement with BG then I think that it falls upon SP to prove that they do have a valid contract with you.

In that case you may well be liable for the bill and would have a case against the other tenants and maybe the the landlord together - I'm not too sure. It is complicated.

 

I think that your very best way forward now is to calculate what you probably owe SP for your own use in your own flat and pay that to them as soon as possible.

They are not entitled to refuse payment and if they do, then please let us know. They have a duty to let you reduce the outstanding sum.

 

Do not give them anything which accepts that they have been the registered supplier until now.

If they want to become the registered supplier then they must provide you with an agreement and this agreement must acknowledge that there is a meter problem which they will seek to remedy.

 

I think that all of this would seem reasonable to a court and a court would be prepared to make orders which put this into effect.

 

There is no doubt that there have been misselling scandals over the years and I am sure that SP have had their share of problems and that new victims are being discovered regularly. I expect that this is a more likely explanation for the lack of a paper trail.

SP is powerful and well-resourced and easily capable of storing documents digitally if they wanted. If they have chosen not to then that is their responsibility and they must accept the consequences.

 

However, you must accept that you have used some energy and you must show good faith by paying what you reasonably owe for this.

 

Finally, has this impacted on your credit file at all? I expect that Scottish Power also won't have any evidence that you have agreed that your data can shared with a third party. This is another reason why they need to get a properly signed agreement with you.

Link to post
Share on other sites

Hi LiseyLoo,

 

Can you please confirm, are the 2 flats separate and self-contained properties, each with their own front door.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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

 

Thanks !:-)

Link to post
Share on other sites

Hi guys, sorry, have been away from home dealing with family illness. Will read through all your advice and questions and post responses asap. I have spoken with the charming BankFodder, and have a lot of things to do for him to get this dealt with.

Thank you again for all your support & help with this.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...