Jump to content


  • Tweets

  • Posts

    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx  
    • My car DVLA details are 100% correct and up to date, guaranteed.  I lived at my address longer than I have owned the car and made sure the details were correct when we transferred ownership of the car, so it's not that.  It must be their second-hand eBay cameras.  I've emailed the CEO with evidence and laid it on.  I will keep this post updated with the outcome.  Thanks again FTMDave .  I appreciate the guidance. I hate these predatory parking cowboys.  How are they even legal?
    • there isn't one use that default dx  
    • upto you, if you have no assets like a home in the UK, there is absolutely nothing they can do even if they do get a judgement. i see you state last payment was 2021, so i will guess your notification to lloyds of a change of address was sent within the last 6yrs so they should have record of it on their system. why not give them a ring and ask what address they have for you? you could do AOS and defend the claim stating you are and have been resident in xyz since date, here is proof.  you could also send that to PRA demanding they discontinue the claim immediately. see what you can find out. you've till atleast the 19th (aos date) . dx      
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Exceeding Emergency Credit?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4084 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have had to go into my Gas emergency credit :( - what happens if I exceed the £5.00 limit? its already on -£3.85 and its got to last me two days - naturally I have turned the boiler off am only having it come on for short intervals tonite.. and I won't be using the hot water! Am just worried about if I exceed my emergency credit limit will it just shut off? am guessing it will...

 

Btw I am going to change to EDF as I have heard they don't charge a standing charge unlike all the others and offer £6.00 emergency credit - does anyone know if this is true?

 

Many thanks for your replies.

  • Haha 1
Link to post
Share on other sites

what happens if I exceed the £5.00 limit?

 

You can't, your Gas will go off. ( well that's what mines does) :(

 

EDF: A prepayment meter normally has £6 of emergency credit. (This amount may vary, so please contact us to check.)

  • Confused 1
Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

yep

 

off it goes.

 

dx

  • Confused 1

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... 

Link to post
Share on other sites

Pity they dont follow suit like electricity meters do. With those, if it is a sunday or similar, the electric wont switch off till 8 am the next day.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Pity they dont follow suit like electricity meters do. With those, if it is a sunday or similar, the electric wont switch off till 8 am the next day.

Yeah, that's what I thought, I thought the "so-called" friendly credit applied to both - but it doesn't - looks like I will staying in bed - I can't decide to ration it or just keep it on and then let it run it out.... lol

Link to post
Share on other sites

EDF: A prepayment meter normally has £6 of emergency credit. (This amount may vary, so please contact us to check.)

 

Yeah definitely going to switch to EDF - I hate British Gas, used to work for them, and they are total cr*p as an employer too!

Link to post
Share on other sites

Eon dont have a standing charge on their prepayment gas either,prefer them to edf or the truly horrible british gas!

 

Sorry mrbigjase but this has changed.

As you say, we didn't used to have a daily standing charge on our gas prepayment. Instead, we charged the first amount of gas used at a higher rate.

However, following our price increase on 18 January 2013, we replaced the former two tier charging structure with a daily standing charge.

Hope this clears up any confusion.

Malc

Link to post
Share on other sites

Standing Charge = always said it is criminal charge = as without meter how can usage be determined? the company should not make a charge for the monitoring for their use in respect of billing!

:mad2::-x:jaw::sad:
Link to post
Share on other sites

Standing Charge = always said it is criminal charge = as without meter how can usage be determined? the company should not make a charge for the monitoring for their use in respect of billing!

 

Hi Mike770

 

Standing Charges are used to cover our costs. This is for things like maintenance, reading the meter, keeping supplies connected to the grid, any rental charges and making sure the meter is safe.

 

It isn't an additional charge but replaces our former two tier pricing structure. Previously, the first amount of kWh used were charged at a higher price. This first tier, or primary, charge covered the costs mentioned above.

 

Customers have always paid for these costs but in a different way.

 

Malc

Link to post
Share on other sites

Well you've slipped that one 'under the radar',maybe i should pay more attention!

 

Sorry you missed our announcement about this mrbigjase. We did, though, write to all customers affected by the switch to a Standing Charge to let them know about this change.

 

Malc

Link to post
Share on other sites

Hi Mike770

 

Standing Charges are used to cover our costs. This is for things like maintenance, reading the meter, keeping supplies connected to the grid, any rental charges and making sure the meter is safe.

 

It isn't an additional charge but replaces our former two tier pricing structure. Previously, the first amount of kWh used were charged at a higher price. This first tier, or primary, charge covered the costs mentioned above.

 

Customers have always paid for these costs but in a different way.

 

Malc

 

 

Cost born in the price = maintain = change meter once in a very blue moon, come off it = distribution get the cost, meters how else would one know consumption, companies should have the initial cost supplement in order to acertain usage, no other way,=

 

customers should not be born cost for companies to acertain usage, it is an old argument which governments shyed away from decades ago.

:mad2::-x:jaw::sad:
Link to post
Share on other sites

Hi Mike770

 

Standing Charges are used to cover our costs. This is for things like maintenance, reading the meter, keeping supplies connected to the grid, any rental charges and making sure the meter is safe.

 

It isn't an additional charge but replaces our former two tier pricing structure. Previously, the first amount of kWh used were charged at a higher price. This first tier, or primary, charge covered the costs mentioned above.

 

Customers have always paid for these costs but in a different way.

 

Malc

 

 

with reference covering your costs

 

you fail to mention that the energy companies are allowed to make an operational profit of up to 10% more than there operating costs each year. That is at the customers expense. So why are these standing charges not abolished and the so called maintenance costs not taken out of your operating profits

 

making obscene profits out of the the most vulnerable sectors of society with higher standing charges/payment meters etc leaves a nasty taste in the mouth

 

Pre-payment customers, who are often among those on the lowest incomes, are charged an average of £215 a year more for their energy bills than someone paying by direct debit

Link to post
Share on other sites

the change back to a standing charge based tariff was also as part of feedback from customers who took part in E.ON's Reset programme. A good deal of customers responded with the fact they felt the two tier pricing was difficult to understand and they would prefer the standing charge if i remember reading this correctly?

 

Large energy users pay the majority of these costs separately and have to sort out their own contract for meter operator costs, which is a little more transparent, but I tend to agree, as it is essential to deliver the service, this cost should be included in the unit price.

Link to post
Share on other sites

with reference covering your costs

 

you fail to mention that the energy companies are allowed to make an operational profit of up to 10% more than there operating costs each year. That is at the customers expense. So why are these standing charges not abolished and the so called maintenance costs not taken out of your operating profits

 

making obscene profits out of the the most vulnerable sectors of society with higher standing charges/payment meters etc leaves a nasty taste in the mouth

 

Pre-payment customers, who are often among those on the lowest incomes, are charged an average of £215 a year more for their energy bills than someone paying by direct debit

 

 

 

Just an add on here, use to pay by cash, now pay by Direct Debit, have now been told I will save £40.00 per year on the Gas account. proves what squaddie says!

:mad2::-x:jaw::sad:
Link to post
Share on other sites

I base my figures on what accounts the energy companies release as operating profits,

 

i thought i would also mention

 

the 10% profit margin above the operational costs these energy companies make is allowed through the commercial contracts the energy companies have with the government, that's up to 10%. They will always maximize there profits with the 10% level, never less

 

i challenge the eon rep to refute the statements i have made so far

Link to post
Share on other sites

e.on don't operate in the 'groups' market, which would cover Government agencies and the such like, infact they don't contract with any customer who has more than 50 sites due to being unable to service them. They exited from this market a good few years ago with the closure of one of the buildings in Coventry

Link to post
Share on other sites

when the energy companies who won bids on energy contracts after deregulation, they all had to sign commercial contracts with the government. This contract set a minimum return that they would receive (10%) and the energy companies had to provide a level of service

 

That goes for the train, telecoms etc, they call it subsidy but it is the customer who pays in the end

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...