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    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
    • The world of ballroom dancing went online to cope with the pandemic restrictions, but what does the future hold? View the full article
    • I would add, many companies have done everything possible to manage and carry on in difficult Covid19 circumstances to supply customers with what they need.   Continually making excuses for delays is not what I'd want from an installer and maybe the £100 deposit is not so important.   Get this deposit back if you can but, more importantly, find a local installer recommended by family or friends to carry out the works.
    • Hello all,   I hope you can assist me, as I am quite lost and confused at the moment.   Two years ago I moved to my actual flat. Throughout this time I have been with EDF first and now EON. When I moved in, my landlord didn't quite know which one was my meter and I picked the one that I believed was mine (now reading you I know I should have done a burner test..). During this time, I have been paying my bills and submitting the numbers that I believed mine, which actually agreed with my consuming patterns.   Today, all the meters appeared with numbers, but the one next to the one that I was using, which appeared with a different flat number. As you might have guessed, none of them had my flat number. I have just made the test and it looks like that one may be mine.   Now, how should I proceed? I have been paying bills is not like I wanted to avoid paying, but clearly there has been an issue. Could you please advice me on how to proceed?   Lastly, in terms of meter serial number, the one that I was using matches my bill and I guess my neighbor bill. The additional doubt I have is, who is paying for my meter and why are they still providing me with gas if no one is paying the one that seems to be my real meter.   Many thanks!    
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi,

 

First post here so hope it all makes sense.

 

As the title suggests I have (at the beginning of the year) been rejected for life insurance policy.

 

Without boring you all with the details, I applied and answered all the questions honestly including answering that i had had some numbness/cramping in my legs at that point.

 

The application was referred and I received a letter from the underwriter asking about any investigations/diagnosis I had had into this. I replied that I was seeing a Chiropractor who believed it was nothing more than postural and with some treatment I had indeed seen an improvement.

 

I then received a letter stating that the company were unable to insure me due to an undiagnosed medical condition.

 

At this point i visited my doctor and was sent for some tests which let to me being diagnosed with a vitamin/mineral deficiency and given high strength vits by way of treatment.

 

So to the questions.

 

1) Do i have to tell future life insurers about this refusal as I seem to find conflicting information on whether in constitutes a refusal or not.

 

2) If i want to buy say home insurance do i have to declare it here as well?

 

3) Should i go back to the original insurer and get it sorted there.

 

Hope that makes sense, I am needing to get life insurance sorted soon as I am buying a house but i am scared that i will never be able to get it even though i am medically fit and well.

 

Help.

 

Cheers

Morn

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Yes, you should disclose it on any life insurance application.

 

I can't imagine that it would make any difference on a home insurance application - but if they ask on the form if you have ever been refused insurance then you have to answer truthfully.

 

It would be a good idea to go back to the original insurer

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Thanks for the reply.

 

With regards to thw home insurance. I was looking last night and it asked have i ever been rejceted, and as soon as I said yes it said it could not offer me the insurance.

 

Seems like a crazy system to me.

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Declined or cancelled Insurance disclosure really means advising other Insurers where you have had a situation of non disclosure or fraud, where Insurers have been misled into accepting a risk they would not have taken had the known the truth.

 

Your situation with the life Insurance, was the standard negotiation process of you disclosing all relevant facts and the underwriter coming back, saying that they could not provide the cover. So this has no relevance to any other Insurance application. Obviously if you apply for life cover again, you would go through the same process of declaring everything they ask about.

We could do with some help from you.

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Declined or cancelled Insurance disclosure really means advising other Insurers where you have had a situation of non disclosure or fraud, where Insurers have been misled into accepting a risk they would not have taken had the known the truth.

 

Your situation with the life Insurance, was the standard negotiation process of you disclosing all relevant facts and the underwriter coming back, saying that they could not provide the cover. So this has no relevance to any other Insurance application. Obviously if you apply for life cover again, you would go through the same process of declaring everything they ask about.

 

 

Thanks for this information.

 

Its really hard to find information about this to inform a correct understanding.

 

Is there anywhere this is all written down?

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Thanks for this information.

 

Its really hard to find information about this to inform a correct understanding.

 

Is there anywhere this is all written down?

 

Not that I know. I think you have been reading too much online about cancellations and having to disclose, which is making you fearful. Yours was not a cancellation as such, as you were still in the application process and the life assurers could not cover you.

We could do with some help from you.

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Not that I know. I think you have been reading too much online about cancellations and having to disclose, which is making you fearful. Yours was not a cancellation as such, as you were still in the application process and the life assurers could not cover you.

 

Thats makes me feel a bit better to be honest.

 

Was thinking i would never get insurance again and would be struggling to travel etc...

 

Looks to me that the terminology need tightening up really to avoid this type of confusion.

 

Thanks for your advice.

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Thats makes me feel a bit better to be honest.

 

Was thinking i would never get insurance again and would be struggling to travel etc...

 

Looks to me that the terminology need tightening up really to avoid this type of confusion.

 

Thanks for your advice.

 

The questions were originally written to be asked by the Insurers staff in face to face or telephone conversations, where you have a chance to discuss what is being asked.

 

With many applications being online, you don't always get the chance to discuss anything around what is being asked. If you tried to make the questions more specific or provide more information, it may just complicate matters and it may make matters worse.

 

Having been involved in designing Insurance forms and questions etc, is is more difficult than you might imagine.

 

Personally I would suggest that if you are not sure about Insurance or any financial product, that you don't arrange cover online. Often you can research the cover online, obtain quotes and still phone companies to arrange cover, where you can ask questions to make sure you have confidence in what you are looking to buy.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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The questions were originally written to be asked by the Insurers staff in face to face or telephone conversations, where you have a chance to discuss what is being asked.

 

With many applications being online, you don't always get the chance to discuss anything around what is being asked. If you tried to make the questions more specific or provide more information, it may just complicate matters and it may make matters worse.

 

Having been involved in designing Insurance forms and questions etc, is is more difficult than you might imagine.

 

Personally I would suggest that if you are not sure about Insurance or any financial product, that you don't arrange cover online. Often you can research the cover online, obtain quotes and still phone companies to arrange cover, where you can ask questions to make sure you have confidence in what you are looking to buy.

 

Again thank you for making this crystal clear.

 

For anyone else that stumbles across this information with a similar situation, I have just had the information provided by unclebulgaria86 confirmed by the 'Financial Ombudsman Service.'

 

Apparently life insurance is treated as a very different entity from other forms of general insurance. If you are looking for say house insurance and have only ever been rejected for life insurance then it is not necessary to declare this to the insurance company.

 

Again thank you unclebulgaria86 for your clear accurate advice.

 

Cheers :-D

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