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    • Thanks DX,    I will update if they outsource to another company or issue any of proceedings (unlikely I know)    cheers, 
    • go up on your UC log-in it should tell you if you are entitled to free prescriptions. if you are, then yes  and yes go get all your moneyback.    
    • I would expect revenue officers are quite aware of the time of day they are manning barriers. i'd also go as far as to say they don't bother to do this in off peak times... as there would be little point, no loss of revenue to protect.   they man the barriers at peak times, when people have purchased their permit to travel at a peak time travelled at a peak time arrived at their destination at a peak time.   thus they prevent: [loss of revenue] the traveller simply paying for an off peak fare when they just travelled in peak time [and most probably are a worker] getting an off peak return when they are travelling back home in peak time [worker returning home]     in other words ..fare dodgers.   your intended return was off-peak, but you didn't tell them.. we'll never know when your permit to travel was purchased nor if you travelled in peak time....but as from about post 5 i'll hedge my bets..   yes you are entitled as others may well be, to a refund because you were returning off peak but if you don't tell 'em…….   as for our experts , its either they are on holiday, which is none of our business or they sussed you out a longtime ago and don't want an argument here that they have 1000's of times in their regular work....   anyway  I've said all this from the start this thread is getting boring and repetitive.   dx ...    
    • @BankFodder and @BazzaS Thank you for your responses ~ I take on board all that you've said, and can only apologise again for all the narrative.   My nephew who's been [supposedly] dealing with this for over 6 months, unfortunately didn't have the experience and was consequently taken in by them and the way they 'operate', and he consequently let me down massively including through the Ombudsman this 2nd time: * 2nd Complaint with Ombudsman initially registered 11/04/2019 but, not registered properly until 15/04/2019 through their helpline (by this time my nephew, who was down as my rep for the Ombudsman, too, and the preferred contact, was away and out of the country until 07/05/2019, which was the day before the ombudsman's system had given for all evidence to be in). * Eventually after asking for and being granted 2 or 3 extensions all evidence had to be submitted by the 28/05/2019, though I was still able to keep adding evidence which would supposedly be taken into consideration (it wasn't...don't think any of it was, and it didn't take me long to work that one out!) via the messaging system. * On the BH Saturday (25/05/2019) during a phone session with my nephew in a last ditch attempt to try to get the evidence on the site, he ended-up really pushing my boundaries over this (I've finally had EMDR last year for all the trauma I've been through and that had finally kicked in)...I ended-up calling my nephew a patronizing [and might have used the F word!] prick and turning the phone off. Haven't spoken to him since, or the rest of my family, am only communicating with them through emails, texts and messenger on Facebook, and am intending to keep it that way until I'm god and ready. * The Ombudsman eventually issued his decision on 05/07/2019 (N.B. During this time he'd contacted me twice on the phone, thus bypassing my nephew's status as npower have been doing for years, including in the run-up to my lodging the latest complaint with the Ombudsman). * Npower appealed the decision on the 11/07 (the arrogance of that will strike you once I get the chance to upload the evidence I've been accumulating over the time my nephew has been 'dealing' with them and subsequently), I appealed the decision on the 18/07, which was the day before the final 14 days to appeal were up (N.B. During our 2nd converation, the Ombudsman had told me, whilst prefacing this with "I probably shouldn't be telling you this..." 🤪, that if I left it until the day before, I'd then have another 14 days whilst he considered the 'appeal' and then, even after that, I'd have recourse to appeal to his manager if I felt he'd got something wrong!!..........Yeh right! 🤬). * In the end he rejected both of our appeals and this is the basis of his response on the 01/08/2019, which he'd taken to be a relatively simple billing issue, along with my not having understood my bills and never having paid enough all along (NOPE!):- "Some of the bills are shown differently on the spreadsheets, but the information is the same. For example, on the first spreadsheet there is a bill of £3,032.40 on 4 October 2018. On the second spreadsheet there are three bills issued on 4 October 2018 for £677.33, £678.30, and £1,676.77. These three bills add up to £3,032.40. I appreciate that this can be confusing for customer’s, but this is something I did cover in my original decision. Whilst I acknowledge npower’s point that a manual bill will essentially contain the same information as the bills previously issued, it is the way in which the information is presented that is crucial to assisting the customer to understand their account better. After considering the appeals from you and npower, I can see no justifiable reason to change the decision, which I maintain is fair and reasonable for both parties, based on the evidence I have reviewed. I confirm that Ombudsman Services: Energy’s full and final decision is that npower should: • Issue a letter of apology. • Apply a credit of £120.00 to account 142309111 for the two failed appointments in 2015 in line with the terms of the Guaranteed Standards of Service. • Apply a goodwill gesture credit of £200.00 to account 142309111 in recognition of the shortfalls in service. • Provide the customer with a manual bill to show a clear breakdown of charges, payments, and credits on account 142309111 for the period from 19 February 2013 to 19 February 2019. We have now reached the end of our investigation process and there is no further opportunity to appeal. You now must decide if you agree to accept our decision in full and final settlement of the complaint."   * I haven't accepted it (why would I, when it's based on lies; npower breaching every SLC and Customer Obligation going with me; the GDPR and former DPA; fraudulently altering my data to fit in with their narrative; obfuscating, kicking-up a dust-storm, using bullying and harrasment every time they're challenged, all with the intention of trying to put the onus of responsibility for .managing. my account back onto me and save themselves coming under further scrutiny with Ofgem...though they're so far behind what has gone-on with this company over the years and/or they just don't want to unsettle their "Dear Stakeholders", especially with one of the Big 6; and all whilst I've been finally able to get the very damning evidence together against them?!). I'm about integrity and having a moral compass ~ everything this company isn't and lacks ~ and I will no longer compromise that for anything or anyone, particularly not this shower of 💩s in npower.   So yes @BazzaS I " a) want to take action" and furthermore, I believe I've got a very good case against them with your help.   Again thank you both for your support and I'll start on the bullet list over the week-end and also start uploading evidence (I've got rhemes of it on a USB stick, which I'm currently redacting the important ones of).   GM  
    • Hello.   I have received one of these penalty notices  for a prescription from several months ago.  I usually have a prepayment card but they're saying it may have expired, which it could have done.  Unfortunately, I can't find the card itself so I can't confirm.  I was going to pay the penalty on the grounds I may have carelessly let it expire but on the website for paying it says I may be entitled to free NHS prescriptions as I'm claiming Universal Credit.  I can't recall which elements but I suspect it's child tax credits and possibly something due to not high salary.   I'd never considered that I may be eligible but if this is true, then I may have been buying the prepayment card unnecessarily.  Which makes me wonder if I can avoid paying this fine because even though I ticked the box to say I have a prepayment card, which was technically not the case if it's expired, I may be eligible for free prescriptions.  Assuming I am, which I will try to determine next week for sure, do you think I can appeal the penalty based on the wrong box being ticked but ultimately it not be a fraudulent claim because I am entitled to them free anyway.   Does that make sense?  Your thoughts on the matter are all appreciated.
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Hello everyone,


I'll start this from the beginning:


In February 2012 I went away in Kenya for two months with work where I had no internet/mobile phone access of any sort. In the March while I was away I missed the final payment of my car insurance with Premium Choice. I'm not entirely sure how that happened and hold my hands up to having to pay it. I was currently paying around £30 a month for my car insurance. What is interesting to note about this is that there was no physical correspondence sent from Premium Choice about this failure to pay - when I returned home I had no letters from them saying I'd missed a payment.


I returned back to the UK at the end of April and as I said above there were no letters from Premium Choice so I didn't think anything was wrong.


From May 2012 until around March this year I've been getting periodic letters from Icon Collections saying that I was in debt with Premium Choice who have now sold my debt and Icon want a whopping £159.36 from me.


At this point I was a little confused as to how I owed Premium Choice this money because as far as I knew my annual insurance with them ended in March. I emailed them and received a very polite response from them saying that pretty much they tried charging me in the March but for whatever reason it didn't go through so they tried again in April and the same occurred. Due to the fact I was in Kenya I had no idea this was going on so this couldn't have been nipped in the bud when it first happened. In the email from Premium Choice they also said that the matter was out of their hands now as they've sold my debt (which to them, with additional charges they put on was something like £61.


Icon also emailed me at one point and I emailed them back and informed them that I was willing to pay the actual amount I owed Premium Choice but they could (politely) shove it if they thought I was going to buckle and give them an extra £100 just because they said so. I received no response to this email.


In March this year I went off to Afghanistan for 6 months and while out there I got another email from them (along with a bunch of letters at home which I obviously didn't read. I don't want to think about the number of times they rang my mobile as it was switched off at home). The second email they sent was rather generic and said they were still collecting the £159.36 and that was it. I replied to their email saying that could they continue any correspondence via email because I was unable to answer my phone/read their letters because I was abroad, and that once again I was willing to pay the actual amount owed and not the fantasy number they have apparently made up. I received no response to this email, again.


Fast forward to today and I got a letter from Icon saying the following:


Dear Sir


Re: Premium Choice - Amount Due £ 159.56


Following our Debt Recovery Officer's recent enquiry on your address, we are informed that you continue to be linked to this property.


Therefore as you have not responded, we can only assume that you have no intention of making an effort to clear the sum outstanding, even by instalments.




We are preparing legal proceedings against you and therefore you have rendered yourself liable for the follwing costs along with Statutory interesticon, which will accrue daily.





A Court Summons will be served upon you shortly which will result in bailiffsicon attending your property and removing goods if a Judgement is secured against you. This could also severely reduce your future opportunities of obtaining credit as the Court Judgement will be marked against you.



*****ACT NOW BY CALLING 0844 5679998*****



If necessary, a copy of this letter will be retained by us and be used as evidence in Court to show that every effort has been made to avoid proceedings against you.


Yours faithfully


Legal Department

Icon Collections International Ltd



I'm getting sick of this now. On two occasions via email I've offered to pay back the amount I actually owe (in the region of £60) but I wasn't going to let them slap an extra £100 on top for giggles. They haven't responded to these offers at all. What would my next move be as I have no intention of letting them rip me off. I know that I do actually owe them (or rather, owed Premium Choice) some money but surely they have no legal right to just add arbitrary amounts to a debt?


Thanks in advance,


- CableDolt

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Don't worry, they're nothing more than a silly powerless debt collection agency.


Debt officer? Haha! Anyone can enquire about someone's residential status through the electoral roll and so forth, why they're making themselves sound like some high and mighty power is beyond me. Debt officer meaning office phone jockey.


Personally, if they claim they've purchased the debt, then ask for a notice of assignment under s.196 of the Law of Property Act 1925.


Ask for a break down of all fees and charges that have been added. You aren't liable to pay disproportionate fees and charges, only the original among that was originally due.


Don't worry about court action, any claim from these morons would be easy to defend against especially as the balance is made up of unenforceable charges. Further more, as they make a solid threat of legal action, remind them of their obligations under the civil procedure rules 1998 and practice direction on pre action conduct.

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type in icon


in our search of the top grey toolbar


they are sending out these type of letters to lots of people


thinking they can spoof people





please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.



Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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Personally if that is the exact wording of the letter I would be reporting them to the OFT and calling consumer direct. The arrogance of them in assuming that they would win any claim .

Any opinion I give is from personal experience .

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