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    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
    • Thank you dx, that is what I intend to do now. I have gone through all the SAR documents, a lot of which I am seeing for the first time! As per my previous post #116 letters and statements alleged to have been sent to me, as recorded on their system notes I have not received. Letters I have sent requesting information and account statements have not been recorded as being received by them, all were sent either by Recorded or Special Delivery. I have all the proof you menrtioned from my files for payments and from their SAR info for fees added. Thanks t
    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
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British Gas stress making me ill ! ***Resolved***


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Well, I had an email from JoeBG saying he was going to escalate the complaint.

 

Yesterday a lady from British Gas called me ( despite me saying on many occassions that I want correspondence in email form only due to my cognitive/memory problems) to tell me that someone was going to call me today.

 

Nobody called today.

 

Ive just resent an email to give them a prod. Ive also said again that I only want to be contacted via email or letter.

 

I had a bill today saying I owe them £1189.00.

 

Dx, have you managed to look at my bills yet, have you any idea, if youve had time to look, whats gone on ?

 

Thanks a lot.

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i'm hoping our new BG rep will sort you

 

I couldn't get old bills

 

i'll go try again tonight

 

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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Well still no word from anyone at British Gas.

 

Ive resent an email every day but apart from a 2 line email by a member of the social media monitoring team saying he will chase up the complaint, British Gas have pretty much ignored me.

 

Ive had to go to my doctor as Im not sleeping due to this worry and hes put me on sleeping pills.

 

Thanks British Gas, for " looking after my world"

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Hi, I meed opinions please, on the following.

 

I finally heard back from British Gas, theyve made " an offer". Im just not sure what to do about it,

Because Im not really that happy about it, but beggers cant be choosers and if I refuse it and go down the

"Ombudsman" route I may end up worse off?

 

Anyway, this is the email they sent today. Any advice and opinions will really really be appreciated, thanks.

 

Dear Ms ******+

Thanks for your recent email about the issue you’ve encountered with your account. I’m sincerely sorry this issue has been ongoing for such a long period of time and hope I can resolve the issue for you.

 

Having looked back through the notes on the account and the previous investigations that have been carried out, I was left with questions that could only be answered by looking at the meter. As the meter was removed in July, I feel the best way to resolve the issue is to calculate the difference between two rate and single rate back to the start of the account and apply a credit to cover this.

 

We amended your account to single rate from 1 April 2014. Working back from 1 April 2014 to 6 February 2012, I calculated, based on current prices, you would’ve saved £307.85 if we’d billed you at a single rate for all your electricity. This is probably a little higher than the actual figure as the unit prices are now higher than they were in 2012.

 

To bring about a resolution to the complaint, I’d be happy to apply a credit of £307.85 for the tariff difference and a further goodwill gesture of £92.15 as an apology for the service you’ve received. This brings the total credit offered to £400.00 and would reduce the bill to £776.59.

 

Your annual consumption prior to the solar panels being installed was approximately 12000 kWh which is around £1600.00 based on current prices. This is around £135.00 per month so the payments you’d made previously weren’t high enough to cover what you were using and resulted in the build up of debt. Now you’ve had the solar panels fitted, I’d expect your consumption to drop dramatically, especially over the summer.

 

We’re due to review your Direct Debit payment in four months time. At this point we’ll look at the outstanding balance and what we think you’ll use in the following 12 months and split this over the next year. At this point, the Direct Debit may be increased but we’ll be happy to discuss what we can do to accommodate your circumstances at that point.

 

__________________________________________________

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I was hoping they would take the bill back to the £332 that they said I owed before they suddenly decided to back-bill me, to be honest. Is that unreasonable?

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Explain that, see what they say. You have nothing to lose..

Thankyou for replying. I emailed them and told them I wasnt happy with that, but they wont budge.

 

I guess I have to either accept it or take it further. To be honest Im tired of fighting them, Im sick of thinking of those 2 words " British Gas".

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Hi bhb1958

 

Write a Formal Letter of Complaint, mark it as such. Explain what's happened, how they have let you down and what you want them to do.

 

Send it to:-

 

Mr Chris Weston

Managing Director

British Gas

[email protected]

 

Thankyou rebel !

 

I had an email from them this morning, They have written off the debt!

 

I cant believe its an end to all the worry, at last! Thankyou SO much, and than,you to dx to!

 

Not only is the debt clear, theyve given me £50.00 credit,

so my account is now in credit for the first time since being with BG.

 

I cant tell you how relieved I am!

 

I just hope they dont suddenly decide they have changed their minds

and send me another email, lol, nothing would surprise me with BG,

I will be keeping a close eye on my account.

 

credit where its due, they have come through for me, eventually,

and while it doesnt change the stress theyve put me through for 2 years,

at least they have put this right now.

 

THANKYOU,!!!! : )

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hey great news.

 

glad to help.

 

if you persist with BG

 

they do eventually come right and help.

 

sometimes it takes a while

 

sometimes its quick

 

it finding the right person who can be bothered or stays there long enough to take an interest in a complex case.

 

I was lucky with my one too in a way.

 

mine was a faulty meter for about 8yrs but was intermittent.

eventually a thunderstorm killed it.

 

when the new meter went in

my usage was 25% of the old one...

 

they couldn't argue and refunded 8yrs of over charging.

 

well done again

 

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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