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    • Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and thank you for concluding your topic, title updated.   Andy   .
    • So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  
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Aktiv Kapital - ringing again after a year


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Hello The Consumer Forum,

 

I hope someone can give me some advice regarding what to do next with Ativ Kapital.

(I apologise in advance for the long question)

 

When I split up with my wife in 2000 I must admit to not looking after my finances,

consequently quite a few non secured loans went into default,

 

I know I had made sporadic payments over the years,

usually after they had found me at one of my many moves over the folowing years.

 

I had started making regular payments (5 debts x £15.00 each) in 2007 - 8

and had been paying this right up to last year.

 

However after speaking with an advisor I was told that the debt may be Statute Barred

- although I have no real idea if there was a gap of 6 years to warrant this.

 

as usual I waited until I got the call asking for a higher monthly payment and

 

thats when I said I was stopping payments as the debt was SB,

the lady said I had made a cheque payment in 2005

and because of the other payments that I wasn't able to claim that.

 

Regardless,

I cancelled the DDM's and heard nothing for a year, no calls, no letters, other than the statement in October.

 

Now all of a sudden they are back on the phones trying to harrass my family,

we have actually barred their number as it was ringing sometimes 5 to 6 times a day,

as early as 7:30 in the morning and as late as 8pm.

 

does anyone know why they would have held off trying to recover the debt

after telling them the debt was SB to then start a year later a vigerous telephone campaign?

 

Do you think the debt was SB and they are just trying it on?

 

Has anyone had a similar experience?

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Hi and welcome to CAG. I have moved your thread to the debt collection forum as that is the best place to get help.

 

If you are not certain whether any of the debts are SB then you would need to send a SAR to the original owner of the accounts.

 

With the DCAs, I would send a CCA request as these accounts are quite old.

 

There are letter templates you can adapt in the library.

 

Also, you can enclose with the CCA letter a telephone harassment letter to stop the calls. Always deal with DCAs in writing as they will never put in print what they would say on the phone.

 

If you do choose to answer calls, record them. Most mobiles have a record function.

 

It is well known that DCAs go quiet for a while then restart the collection process so you are not alone in that.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thank You Silverfox very helpful indeed

- re the debt company, in all the years I have had the pleasure of their company,

they have never given me more than a few days silence

 

if for any reason they thought there was an issue wth my account

- is there anything they can do, if I just ignore then from here on in,

afterall thery can't put me under default again can they?

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Hi if you have made any payments or written acknowledgment of the debt (s) in the past 6 years the debt cannot be statute barred, so the DCA is correct on that.

Have you checked your credit reference files lately?

It will give you information on the default dates of the debt(s).

 

 

btw. statute barred in England & Wales = 6 clear years without any payments or unequivocal written acknowledgment of a debt.

 

 

The six year "clock" starts (for credit cards and unsecured loans) when a contractual payment is due and not made after which no further payment or written acknowledgment is ever made, so basically 1 month after the last ever payment.

 

 

For secured loans and HP contracts the default date is considered to be safe indicator that the clock started ticking, the same details then apply as above.

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Hi BRIGADIER2JCS

 

To be honest it isnt the last six years I would have any doubt about as I have been paying until quite recently.

 

It was from the default date to when I first started paying,

that period could have been in access of six years..

 

I am registered with Experian and Equifax, neither go back long enough to even show the debt,

this will have defaulted over 14 years ago, and even if I did get the actual default date,

 

I would still be non the wiser as to when I made any payments,

this is because between the year 2000 and now, I have changed banks three times,

moved seven times and up to recently havent known if I was coming or going :)

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sounds like there could have been a period of 6yrs with no ack or payment

 

thus they spoofed you into repaying.

 

sadly you got caught for the oldest trick in the book.

 

NEVER EVER talk on the phone

or pay on the phone a debt to a DCA.

 

they ARE NOT BAILIFFS

and have

 

NO SUCH LEGAL POWERS.

 

if it does turn out to have been SB'd

 

then i'd be demanding those payments back.

 

as it certainly wouldn't have ever have gone off the 'debt'

 

but direct to their pocket to fund the harassment and pull the same trick with other 'debtors'

 

regardless, a CCA request is a must

 

as is an SAR to the original creditor...

 

do you know what the debt originally was?

 

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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there were five in total, all of which were credit cards and yes the original debtor information is on the forms

I agree with dx100uk get a SAR off asap you only need 1 per creditor they must supply all the personal data held on you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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blimey looks like you could be getting well fleeced here.

 

so there are others that you are

for want of a better word 'blindly' paying

without ever having cca request sent to any of them?

 

I take it you fell for the threat-o-grams

and the fleecing phonecalls and just started paying them all?

 

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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