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    • Hi all,   Looking for a bit of advice if possible.    Short overview: - Had a Vanquis debt for 2k from 2010 which up until 2016 i was paying amongst others via debt management company. I cancelled my debt management plan to tackle the debts myself which was effective all except Vanquis from whom i had no contact from until 2 months ago when the debt was sold to Lowell. I sent off a CCA request to Lowell and they sent me a Digital Signature Application which is the same format as the one i have posted below. They also sent a set of Terms and Conditions, which had not date on them APR rate etc. To get this matter cleared up i offered a settlement figure of £500 which of course they refused, and sent me a counter offer with a 20% discount. This is as far as i have got with them to date, i did not respond to counter offer and am awaiting their next move.   I had the default that Lowell put on  my credit file regarding the above account, removed by Experian. I wrote to Experian and said that Lowell could not prove the debt was mine and that was all i wrote. A  correction was put on my credit report and the default from Lowell removed, the correction has now dropped off along with the default. As far as i am aware Experian would of contacted Lowell with my dispute and Experian could only remove the default from my credit file with the lenders permission.   I quote from Experian website "If the lender realises their data was incorrect, your report will be updated to reflect this. Note that we can’t change or remove a default on your report without the lender’s permission. However, we’ll do everything we can to help you sort out a dispute."    My question really is, do i have any leverage with Lowell? I would like to settle the debt but do not want to have to pay these bottom feeders any more than i have too. Does the fact that the default being removed from my credit file mean they can not prove the debt  if i was  to take it as far as court? What i am hoping for is to get a low low settlement offer from them so i can clear the debt and move on.   Any help or advice, points of view would be greatly appreciated.
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decade

Problem with misread electricity meter

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Hi

I will try to say it as short as possible due to late hour

I was going to change energy supplier, so in order to get best possible estimates on comparison website I searched for a first bill I submitted in my newly bought house about year ago. But when I digged into it I found out that provider issued to me wrong meter readings.

 

They switched LOW and NORMAL readings on E7 meter.

 

From my calculations I could underpay between 200-300 quid as I almost never used night tariff. The switch/mistake was not really possible to happen - as during this time I had 3 meter readings by a authorized person, which has taken GAS readings [they appear on a bill as Actual readings] but Electricity readings appear only as estimates or customer readings ONLY for a whole period. Looks like 'meter reader' discovered cock up but never was bothered to put it right.

 

On top of that electricity meter is much easier to read from gas reader because of better access.

 

My question is what to do?

 

One thing is underpayment but what about the period before I have moved in here, wouldn't they want to charge me for whatever loooooong period?

 

I know it sound ridiculous, but I've read stories and peoples got plenty of problems with debt companies because of mistakes in utility companies. And since I will want to change my mortgage lender in some time I need good rating.

 

I want to simply avoid any problems with company that unprofessional contractor/reader didn't do his job properly. Pay whatever estimates they will come up with, change supplier and start on a fresh page.

 

Any help please.

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who with?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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who with?

 

dx

 

?

Would this matter :!:

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yes we have reps here

they can directly help

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Ah OK

I was going to contact them if no better idea will come up

I will do it somewhere else so I can keep records of communication, but not yet

 

thanks for your reply

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Ah OK

I was going to contact them if no better idea will come up

I will do it somewhere else so I can keep records of communication, but not yet

 

thanks for your reply

 

The CAG site team contact the rep's on your behalf and they reply to your thread .

 

If you cant tell us utility supplier is,how are people going to advise and help you !


Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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Hi

I will try to say it as short as possible due to late hour

I was going to change energy supplier, so in order to get best possible estimates on comparison website I searched for a first bill I submitted in my newly bought house about year ago. But when I digged into it I found out that provider issued to me wrong meter readings.

 

They switched LOW and NORMAL readings on E7 meter.

 

From my calculations I could underpay between 200-300 quid as I almost never used night tariff. The switch/mistake was not really possible to happen - as during this time I had 3 meter readings by a authorized person, which has taken GAS readings [they appear on a bill as Actual readings] but Electricity readings appear only as estimates or customer readings ONLY for a whole period. Looks like 'meter reader' discovered cock up but never was bothered to put it right.

 

On top of that electricity meter is much easier to read from gas reader because of better access.

 

My question is what to do?

 

One thing is underpayment but what about the period before I have moved in here, wouldn't they want to charge me for whatever loooooong period?

 

I know it sound ridiculous, but I've read stories and peoples got plenty of problems with debt companies because of mistakes in utility companies. And since I will want to change my mortgage lender in some time I need good rating.

 

I want to simply avoid any problems with company that unprofessional contractor/reader didn't do his job properly. Pay whatever estimates they will come up with, change supplier and start on a fresh page.

 

Any help please.

 

More than likely the meter reader has submitted the correct readings to the supplier, but someone who calculates the debt reversed the reading otherwise they would have to do a lot of work to resolve it. In essence you are paying a low rate for peak times instead of the othe way around. The furtherst they can back bill you is 12 months and as they are at fault you can offer to pay the difference back over 6 or 12 months and you can still change suppliers. It is fairly easy for you to work out the difference and based on that figure decide which way you would like to play it. At this point no need to inform any of us who the supplier is, but I think a few of us can guess.

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