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    • @Tom Price   Thank you for your note, which is very helpful.   Did VCS cite the following cases?   1. VCS v Ward 2. Semark Jullien   VCS threw the two cases to me in the last minute at my previous hearing. The judge accepted the extra WS and adjourned my case for me to read/defend it. My case is going to be held on 30th March.   Thanks!      
    • Hi,   So, I received a letter today from a debt collection law firm threatening CCJ action on behalf of Volvo/Santander for a voluntary termination of a vehicle. (I did request Volvo/Santander that a complaints procedure be started as I think the terms of the contract were miss sold but alas, they ignored me and went straight to CCJ action via a debt collection law firm!).   I digress, anyway, so the letter was addressed to me, it included my original signed contract, but, there was another document inside. This document was another hire contract with some other person details on it!   It includes:   Their full name Their address and postcode Their handwritten signature Their email address Their mobile telephone number Their debt amount Their vehicle registration    Is this a breach of the data protection act? On the flip side, my details could be in the hands of someone else, who knows?    What should I do now, is this a trump card that I could use if this matter does actually go to court? I did intend to argue against this debt in the first place.   Any advice on this would be most grateful!   TIA         
    • Hi guys   I received a county court claim form on Thursday dated 18/02/2021 saying that the claimant (CABOT FINANCIAL (UK) is claiming for the sum of £2140.14 on behalf of  NEW DAY LTD RE MARBLES. but it requests all documents to be sent to MORTIMER CLARKE SOLICITORS.   Now i think i did have a marbles card a while ago although my partner says that that was a capital one card.   But either way i don't like the idea of these parasites chasing me for money for a debt they probably bought for £10.    From looking around here it seems that i should be sending them a CCA request and a CPR 31.14.   I've bought a £1 postal order.   Is there anything else i need to do?   Thanks for any help given
    • Yes that is an absolute must. Generally the Council has no wish to see people committed to prison for Council Tax debt. They want to see the debt recovered where it is properly due and the debtor has the ability to pay. If he hasn't that ability they will take into account the debtor's financial situation and make any arrangements they can. But only a court can remit some or all of the debt. The more you engage with the Council the easier this will be.
    • I think you'd need to have formally noted you were working under protest at the time. 
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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We'd like a picture of the meter please

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A letter to your MP would also be a good idea - not least because it would help to stir it up even more.


By the way, where are the Npower customer reps? They don't even seem to have looked in on this thread. A wast of space. Rather the same attitude as their company

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I think they haven't been around for some time. If NPower's customer service standard is rubbish, then they figure it wouldn't serve any purpose trying to resolve some customer complaints against the huge number of complaints.


They are too big to fail. They get churn, customers who migrate to them.


A letter to your MP would also be a good idea - not least because it would help to stir it up even more.


By the way, where are the Npower customer reps? They don't even seem to have looked in on this thread. A wast of space. Rather the same attitude as their company

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Too big to care

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Tried letter to MP last year

- he said he could not get involved if it was going to Court??

but he was sorry to hear of my plight?

He used to be the energy minister before he was booted out of the cabinet.


Went to the Magistrates Court today

it was quite stressful but the guy was quite friendly.



Told me that N Power were "not very nice"

told me about some poor family that cannot read their meter as it is placed too high,

are on benefits and N Power are demanding they pay £200 per month?



It was well worth going as he said that if I (or my mate The Occupier) had been on the list

and I said it was in dispute then the Magistrate gets quite tetchy and throws it out

and said anytime there is a dispute don't bring it before me.



It has been a long day.

Had to wait ages and ages.



Then my car broke down on the way home, aghh, it never rains but it pours!!!!


Thank you to everyone for the support, it is really, really appreciated.



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So has the Warrant been thrown out ?

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Luckily although Richburns had sent two threatening letters with the hearing date on N Power must have cancelled it at the last moment as they had no paperwork to support any warrant. The agent from Richburns was the one who told me that any time there has been an Account in Dispute the Magistrate throws it out and says "Don't put these before me, get it sorted!" He also said it is always worth going as you never know whether or not they have got their act together to put a stop on these things in time.



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My experience of the energy ombudsman is that they are a complete waste of time. I wrote to them several times and provided tons of evidence in the form of copies of correspondence etc. The Information Commissioner appears equally useless. All the authorities were useless. Court gets results albeit it can take a while to get there. Worth it though.

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My experience of the energy ombudsman is that they are a complete waste of time. I wrote to them several times and provided tons of evidence in the form of copies of correspondence etc. The Information Commissioner appears equally useless. All the authorities were useless. Court gets results albeit it can take a while to get there. Worth it though.


I agree completely with this. The so-called regulatory authorities is effectively simply another channel which helps to dissipate anger and dilute challenges. County court action is the only way.

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I wrote to Npowers Executive Complaints Team just requesting that they answered some questions that I have never had the answer to. I sent a copy to Paul Massara. I received a reply, not from the Executive Complaints Team but from the paralegal (Legal department) not answering the questions but a rather rude letter. I replied saying that I have every right to request answers to questions with regard to my account or rather accounts and, anyway, the letter was addressed to the Executive Complaints Team not you. He came straight back with:-


"… You can explain to the Court your version of the facts, which you have done previously yet are misguided enough to see the dismissal of your claim as nothing more than an inconvenience. It is perhaps for you to realise your position and seek independent legal advice.‬

‪Yours sincerely‬‬

‪ ‬‬

‪Kenneth Radley-Davies‬‬


I think the expression is "up your own ……… Mr Radley-Davies"


I will send the same letter again to The Executive Complaints Team tomorrow by snail mail with another copy to Mr Paul Massara. I wonder if they will just forward it to my favourite person at Npower?? I would like a reply to my questions? Is he too afraid to answer them or doesn't he know or should I say care? I purposefully stated that I did not need them to investigate (as they said they would not investigate anything to do with my account or accounts) but just reply to my questions.



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Please would you let us now the date of your request and also what the questions were.

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CEO's should be held accountable for the conduct of their coompanies towards consumers, in an ideal world, court claims should be lodged against the CEO of company. That will make the CEO take note.

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Hi, Npower have never ever answered these, among other questions - but I thought I won't make it to complicated for them. I sent a copy to the CEO, it was addressed to the Executive Complaints Team -


Sent the questions on the 19th November, the questions were:


Question One: Why, when the meter was new in December 2008 with a reading of 00000.0 (A meter provided by Npower) with a first quarterly reading of 01229.0 acceptable to Npower as a correct reading (this being a fairly normal winter bill, if a bit high for us but it was an estimate using the usage from a faulty prepayment meter). Npower changed us to a credit meter on 3rd December 2008. Why all of a sudden Npower are trying to say that the meter would have read 12290 for a quarter that is TWELVE THOUSAND TWO HUNDRED AND NINETY kWh in three months? That would equate to approximately FORTY-NINE THOUSAND UNITS A YEAR? Over 6 years my meter read would read 294960 by now? (it does not it reads 09062.0)


(Npower misled the ombudsman by indicating that I was a new customer in 2011 with a starting read of 39431 the ombudsman letter says that Npower were unaware of the type of meter?)


Question Two: What is the reason for closing the old account when in July, 2011 we were told over the phone that Npower would stop the transfer to Scottish Power and our account would carry on as it was? (received a letter 2nd September 2011 having trouble closing your account???)


Question 3: In your letter to the ombudsman Npower accuse Scottish Power of giving a wrong four digit read for my meter – if this read is the read of 03759.0 it is correct as Npower’s customer services said it fell in line with all previous reads. Why did Npower use a read that did not fall in line with any previous reads?


Question 4: Why did Npower manually change all previous reads to fall in line with a longer read of 39431 – it does not make any sense at all. (both reads were Actual Reads taken on the same date 25/08/11) Please send details of where this read of 39431 came from?


Crazy - it is so frustrating that they cannot do simple maths going from that first read, what planet are they on to think that a domestic home could rack up twelve thousand units in three months - average for a family home with gas central heating and gas cooking is approx 3,300 per YEAR??


I feel like crawling into a hole, I tried not to let that horrid man upset me but after three years it is very difficult? Thank you again guys for being such a support. xx


Sent them a hard copy today.



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  • 3 months later...

plucked chick, I don't suppose you have any update on this do you please?


Particularly would be interested to know if you had any further contact with this Kenneth Radley-Davies character.


Thank you.

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