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    • That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
    • Hi guys I'm about to submit the defence as per below     There has been no reply to our CPR 31:14 request.  Is it worth adding that I (driver, not registered keeper) didn't actually enter or park in the car park and was sat at the petrol station forecourt the entire time?  Or is that covered by the simple points?   Thanks
    • a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
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Can the electricity company cut me off in winter if I have children by forcing a prepayment meter I cant afford?


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Ok I know they cant cut me off in winter if I have children.

 

Can they however forcefully install a meter (via the courts and a lock smith) that I cant afford to use? (effectively cutting me off)

 

Because they wont just instal a normal meter I will have to pay off part of my 4000 pound debt and pay for what I normally use and im on benefits at the moment and in serious financial difficulty/debt and I cant afford to eat let alone pay my bills!

 

The electricity company is E-On they are on the verge of taking the case to court to apply for the rights to force me to install the meter/ to try and disconnect me.

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Ok I know they cant cut me off in winter if I have children.

 

Can they however forcefully install a meter (via the courts and a lock smith) that I cant afford to use? (effectively cutting me off)

 

Because they wont just instal a normal meter I will have to pay off part of my 4000 pound debt and pay for what I normally use and im on benefits at the moment and in serious financial difficulty/debt and I cant afford to eat let alone pay my bills!

 

The electricity company is E-On they are on the verge of taking the case to court to apply for the rights to force me to install the meter/ to try and disconnect me.

 

It is a bitter pill to swallow & other posters have (and hopefully will) advise on sources of grants and ways to save on costs.

 

If you accept that you are going to end up on a pre-payment meter then it is a case of "damage limitation".

Can you invite them in to change the meter?

 

I know it is not "what you want", but if it is going to happen anyway, why not avoid the associated costs (court +/- locksmith).

 

I wish there was a way I could say "do this, you won't get a prepayment meter", but if you have a large debt to them, that is at/close to the "warrant" stage, it is likely a "done deal" unless you can dispute the bill as grossly inflated.

 

Have you taken advice (on CAG or elsewhere) about your debts and the best way forward for you?, It is a thread on its own but have you looked at your income and expenditure, claiming back anything you are owed, reducing payments on non-priority debts, and if that still leaves you with a shortfall, what your options are?

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What debts do you have? if you're paying any kind of unsecured debt, hp, payday loans etc you should only be making Token payments of £1 per month - benefit money is the minimum the law says you need to live on, your energy bills should come way ahead of any other payments. at this point, I can't see any way for you to avoid a pre-pay meter, even if you did get a grant.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

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I understand if benefits are your sole source of income, the recovery rate is around £5 per week. I agree that £4000 is quite extraordinary -there could well be a problem with readings. is any of this based on estimates? edit: just checked, and it would have taken me 4 years to end up with that bill. what sort of house/heating/insulation do you have? That's an astronomical bill.

Edited by LaughingGirl

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

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I had a pre-payment meter fitted around 2 years ago (probably at about this time of year), and mine was also to cover the debt, which was around £900 at the time. I told them that I was on benefits etc (disabled child etc), and they set my debt at something like £1 a week. Some suppliers have a special tariff if you're on benefits anyway so it's worth asking.

 

To be absolutely honest I was gutted at having to have the meter, however, looking back I wouldn't change now. Yes, your bills are higher in the winter, but in summer they're practically nothing!

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I really would double check your bill though...it's not outside the realms of possibility that someone has tampered with your supply. if you've run up that kind of bill in a year something could well be wrong - i've been assured my usage is typical for a three bed semi, and your bill is 4x what mine is annually!

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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A friend of mine has a 3 bed semi ..Her quarterly bill was £800..I think people forget how expensive Gas/Elec is ..when you cant keep track ..I only put my heating on after 4pm and leave on till 8pm..Its not on high and I use £40 a wk..So you can see even not abusing it its still expensive ..we would rather put thick jumpers on than give them our money ;)

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Blimey, that's still high.

 

I've a three bedroomed, gas central heating is on from 7am til 10am & 6pm til 11pm & I only pay £160 per quarter.

 

Strange ;)..I use over £10 a wk in the summer and thats just the cooker..and we dont use it much ..work that one out :)

 

we have salads and BBQs.. I think electric is cheaper than gas..bout just under £20 for me.. Buit I dont use me tumble dryer..but do hoover a lot and boil kettle :)

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We're £960 a year, new boiler and loft insulation but rubbish wooden single glazing. four grand is a thousand pound a year shy of my annual rent. if they sent me a bill like that i'd be outside n power with a pitchfork and angry mob!

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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Blimey, you must be doing something right! super duper insulation? We've only got our heating on an hour a day more than you!

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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On top of the roof insulation & D/G after we were flooded in '07 we had the ground floor re-plastered using insulated plasterboard which makes a big difference, I'll do upstairs as well eventually.

 

We can't insulate the walls normally as it's a 'no-fines' build so has to be cladded with insulation either inside or out & at the time it was easier to do it on the inside + the insurance company paid. ;)

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I have a 5 bedroom (4 bedroom plus study) and am £130 per month for both gas and electric (total)

 

I did alterations to the house a few years ago and took the opportunity to put in extra insualtion- cost £200 and well worth it, paid for the cost in the first few months.

MY gas consumption actually dropped after I did the insulation, even though I had added 50% to the square footage of the house

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I have a 5 bedroom (4 bedroom plus study) and am £130 per month for both gas and electric (total)

 

I did alterations to the house a few years ago and took the opportunity to put in extra insualtion- cost £200 and well worth it, paid for the cost in the first few months.

MY gas consumption actually dropped after I did the insulation, even though I had added 50% to the square footage of the house

 

I live in 4 bed house, although at mine we have a conservatory that's combined with our dining room/kitchen it gets really cold in there in the mornings!!

 

I put the heating on @ 6am until 9am but come late afternoon you can feel the cold creeping thru. I pay £72 electric & £50 gas on DD & even thou I'm in credit with the gas, I'm still trying to keep our Central heating usage down, as it's a large house but we loose a lot off heat thru the Conservatory!! Wish there was some sort of insulation for them windows.

 

With regards to the OP. I agree with the others as £4000 is a lot indeed. Is this based on Estimate or Actual readings? I would get this checked into ASAP so you can get a more accurate bill if it is Estimated readings.

 

If not, then a pre payment meter is a good idea as you pay for what you use (so no big bills) & you can pay off any outstanding amounts weekly as well.

 

I hope this gets sorted out for you & your family.

 

Regards

I don't suffer from insanity, I enjoy every single minute of it!!

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