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    • Post #9 suggested some options to avoid or put off having a smart meter. Post #12 a simple solution to your complaint about the ay they handle fixed monthly DD. It's not really clear why you posted if you're going get irate when members "jump in" with suggestions. You can see what I'm referring to on "gasracker.uk" to allay your suspicion that I was lying in Post #16 which was made to correct ther misinformation shown in your Post #15
    • Back to octopus from the smart meter/tariff salesperson. Octopus have now said just ignore the letter - I dont have to have one despite there letter implying (at least) it was required, but that i will HAVE to have a smart meter if current meters stop working as 'their suppliers dont supply non smart meters any more'. They also say they do not/will not disable any smart functionality when they fit a smart meter I am of course going to challenge that. Thats their choice of meter fitter/supplier problem not mine
    • Point taken that we should inform new Caggers that the £20 option is there in wrong registration cases.  Well, supposedly there, who knows what the PPCs would do in practice.  Anyway, the option is allegedly there with both the BPA as you say, but also the IPC (I've just checked). However, there's a danger here of baby, bathwater. The two easiest types of cases to win are (a) residential - due to Supremacy of Contract and (b) wrong registration - due to "de minimis".  Indeed until recently we has been boasting that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing. We simply can do nothing about a terrible judge.  The judge seems - I say seems because we haven't had all the details - to have ignored "de minimis",. got fixated on a sign and awarded unreasonable behaviour costs.  A totally bizarre judgement.
    • You mean your witness statement 
    • That may be your personal claimed experience I said i didn't want smart meters - you jumped in to recommend smart meters I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest paying what I owe every month I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest a variable tariff - even if its one that only varies on a daily basis rather than half/hourly - with prices higher in winter when you need it and lowest in summer when you need it least   politeness ends with: - I'm NOT interested in any smart tariff I see, You are pushing your smart meter + variable tariffs in the wrong place - try pushing them somewhere 'nearer to home'  
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Shortfall following reposession on property owned with ex partner


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Briefly

2006 - property bought with partner

2008 - seperated and I moved out

2009 - she moved out to live with new partner and in moved back in

2010 - i moved out to live with new partner and my ex refused to contribute to mortgage or bills on the now empty property. Property put on market for sale.

2013 - over 2 years of paying the mortgage alone, no sale, no help from mortgage company to reduce mortgage to interest only (refusal by ex to contribute due to several different reasons over time...at one point due to needing to save for her wedding) i and my wife (though predominantly in wifes name) had racked up 25000 in credit cards to support the mortgage. We have 4 children (2 from her ex husband and 2 are ours together). Property we live in at this point is owned by wife and her ex partner and is on interest only deal.

2013 - contact ex again, explaining i have no more means to pay or access to further credit and notify her that im ceasing to pay. She continues not to pay.

2013 - estate agent contact me advisung me the sale is being handled by different company as property has been reposessed! I have no correspondance from mortgage company regards this.

2013 - i seperate from wife due to financial strain this has caused and move in with my parents

2014 - property sold by mortgage company for £40000 less than ourstanding mortgage though im not disputing sale price due to market conditions. Still no contact from ex partner despite requests or mortgage company.

 

I wish to contact mortgage company to ascertain what is now owed and who is to pay what. I have ex partners work address, email and mobile number only. I pay child maintenance to estranged wife, rent to parents, my debts/bills and a payment each month toward the debt that my estranged wife mounted due to supporting me and my ex's property! I have little left to offer above 50 a month which i am willing to pay.

 

I have no idea about my ex partners income, though she has a good job, as does her partner and they have no resident children. He has a child with whom he has some contact and presumably some financial obligation.

 

Where do i stand? I have no assets or savings. I do not want to go bankcrupt. If i make an offer of payment will they also pursue her? What do i need to show them in respect of incomings/outgoings proof? I do not wish my ex to be privvy to my current position or the satisfaction that her lack of responsibility has culminated in the demise of my marriage. What info about me will mortgage company share with her??

 

Any advice welcome. I need to address this asap.

 

Thank you in advance

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