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    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
    • HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker.  Indeed, but if the Ombudsman is prepared to accept the complaint, it would be about the advice given by the broker and their paperwork, wouldn't it? You seem to be asserting that the problems you've had stem from their bad advice. HB
    • Aesmith - wanted a btl was placed with a bridge.  The broker did no affordability check, no fact find, no income check, they filled in all the forms - just sent the signature page to sign. The question was/ is - with a high-paying short-term tenant in situ and a history of other high rentals should they have been able to secure a replacement btl?  I'd had a btl for donkeys.  The valuations were way off for the bridge.  As was discovered down the line. HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker. 
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Lewis Group / Ebay help !


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Hi everyone,

 

I have received a letter from The Lewis group requesting a sum of £824.91 Re: Ebay ,

 

totally perplexed i called Ebay who didn't help very much as to what i could possibly owe them money for ,

 

but the only thing they said was do you have more then 1 account with us ,

 

the only thing i could think of was when i worked as a manager for a car dealership for a friend who lived overseas in New Zealand ,

 

he asked me to set up on Ebay Motors which the company paid weekly / monthly etc ,

 

but then the company was struggling when the recession hit and eventually the company closed in June 2009,

leaving me redundant ,

 

i can only think that some money may have been owing by the company

 

but as i used my name to start account and the director is overseas they are trying there luck and chasing me .

 

So the letter states they require full payment by 23 April or for me to contact them or they will pass my account to their field agents and instruct a collector to call at our home.

 

I have read on this forum the 1st course of action is to ask for a CCA which i have in a envelope ready to add a postal order into ,

 

i just wanted to check on peoples thoughts where they think i stand in this situation.

 

Thanks in advance for any replies.

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two words

 

off and bugger

 

DCA's are not BAILIFFS

 

they have

 

NO SUCH LEGAL powers

 

phishing trip me thinks

 

check your CRA file

just to be sure its not trashed

 

see below

 

dx

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... 

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ah sigs aren't working here sorry

 

see below for cra info

 

Credit Reference Agencies:Experian Equifax CallCredit noddle

 

 

Sort Your Debts Now - -

here

 

Start Your Own Thread - HERE

 

 

1. Single Premium PPI Q&A

Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here

4. Ins & Outs of PPI & interest : click_here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

my views are my own...seek legal advice if ness

NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone

- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.

 

 

 

Please consider making a small donation to help keep this site running

 

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

 

DX

RIP Martin3030

rant.gif

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... 

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if its not showing

I doubt any debt exists

 

time to ignore them.

 

dx

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... 

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Share on other sites

If nothing showing, personally I wouldn't worry.

 

Ignore the idiots. If they phone just tell them to get lost or words of your choosing!

 

Please remember that Debt Collection Agencies have no legal powers what so ever.

 

Thanks DC , can you just clarify should i just sit tight and wait n see or should I send CCA request anyway ?

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If nothing is showing on your file, don't worry, I wouldn't bother with a CCA request.

 

If you do by chance get a visit by a Doorstep Agent just tell him to get lost or you will call the old bill to have him removed and give him/her the doorstep letter from the library.

 

Sit tight, don't worry.

 

DC

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Just to add, personally, there is no point in starting letter tennis with this company right now.

 

You don't know what its for, they haven't told you, they're trying to get you to call them, so they can get you to pay towards a so-called debt that you don't know anything about.

 

Stay off the phone to them!!! If they phone, like I said before tell them to get lost & to put everything in writing then put the phone down.

 

If they do come back with anything then they'll will need to prove that you owe it. For now sit back & relax.

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  • 4 months later...

Well Guys heard nothing since i last posted online until today.........

 

A Mr Higgins from the Lewis Group called asking for me ,

my wife asked who it was and whats it about he said "not allowed to discuss it with anyone but me "

and left a card to call him urgently to discuss a important matter .

 

So they have not given up , whats my next move ?

 

Is it time to send them something ?

 

Thanks in advance guys

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what you mean you had a doorstepper?

 

dx

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... 

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Share on other sites

really little bugger

 

ok well he is NOT A BAILIFF

and hass NO SUCH LEGAL POWERS

 

never ever talk to them

or hand over money to a doorstepper DCA.

 

tell them to leave

and call the police if he don't.

...................

 

pers i'd not be doing anything

 

but you could send the prove it letter to them

 

dx

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... 

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Ok thanks , i have the doorstepper letter printed ready to pass over if he returns , plus the prove it ready to post , though im in two minds to send , as a bit of me wants to know

if they have anything and the other half doesnt want to acknowledge them and stir a hornets nest :???:

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agreed that would be my reaction pers too

 

leave it be

 

letter tennis only makes them think they've

found a mug to fleece

 

dx

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... 

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