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    • In the autumn of 2020, I decided to change energy supplier from British Gas to EDF. This went through with no apparent problem but after approximately two weeks, I received a letter from EDF saying "Sorry you're leaving us". I contacted EDF to say that I was not leaving and was told not to worry about it, that they would resolve it and to carry on with monthly payments to EDF.    Approximately 2 weeks later, I received a text message from EDF to say, "Sorry you're leaving us". I contacted EDF again to say I was not leaving and was again told not to worry and that they would sort it out. Two weeks later I had a third message, "Sorry you're leaving us...". I contacted EDF again, but this time raised a complaint because it was becoming stressful and annoying. I asked them to explain why this kept happening. After some investigation by EDF, I was told that Scottish Power was trying to "erroneously take over" my gas supply. I confirmed that I wanted to remain with EDF and did not want to move to Scottish Power. I was advised to forward any bill sent by Scottish Power to EDF so that they could deal with it, and not pay it. However, I have never received any bill from Scottish Power until July 2022.   I was then contacted again by EDF to say that Scottish Power was trying to take over my supply because my gas meter was registered at my neighbour's address, on the energy suppliers' national database. I requested that EDF change the details for me so that I could remain an EDF customer but was told that only the existing supplier could change the details and that I would have to contact Scottish Power and request that they change the details. I reminded EDF that I had never asked Scottish Power to supply me and that as my current provider, EDF should take on this responsibility, but I was told on a number of occasions that EDF could not do this and that I would have to contact Scottish Power myself.   I have since learned that I should never have been told this. Ofgem states that if a supplier tries to erroneously transfer a supply, the two suppliers involved should communicate with each other to resolve the problem as soon as possible, and not involve the consumer. However, this is where the real problems started. I contacted Scottish Power at least 20 times over the course of 2 months, by email, online chat and telephone and spent a considerable amount of time trying to resolve this issue. The main problem was that Scottish Power refused to discuss it with me because "I did not have an account with Scottish Power". I explained on numerous occasions that I did not want an account with Scottish Power and that I just wanted them to change the location of my gas meter on the national database, but they persistently refused. Scottish Power was generally very poor at contacting me, I was doing most of the running. My neighbour, who is supplied by Scottish Power and has been for many years, said that this has been an issue in the past but Scottish Power has never resolved it. He said that when I asked EDF to take the supply back from Scottish Power, his supply was also erroneously transferred to EDF against his wishes, causing even more problems. During this occasion, Scottish Power compensated my neighbour but still refused to assist me.   I have evidence of some of the correspondence between me and Scottish Power but not all because much was over the phone and on online chat. Each time I contacted Scottish Power a new member of staff dealt with it and so they had to record the same notes each time, considerably lengthening the process. I asked if Scottish Power could allocate someone to own the complaint but because I did not have an account with Scottish Power, this was not an option. After numerous emails to Scottish Power from my neighbour, who was trying to assist with the situation - sending his meter details, my meter details and asking that the database be updated with my address - he was asked to send photos of my meter to Scottish Power. I had already been asked this by Scottish Power and had duly sent them but received no response. My neighbour then forwarded the photos by his email to Scottish Power and they replied asking him to ask me to re-send the photos directly, which I did for a second time. This was the last correspondence I had with Scottish Power about the matter. They did not contact me again.   EDF contacted me to say that they had concluded the matter from their end and requested that they close the complaint, to which I agreed. A meter reader visited sometime after to read both meters and I (naively) assured myself that the details had been changed and that EDF had resumed supply. My bill increased, and my meters were then routinely read by a visiting meter reader every quarter. My last correspondence with Scottish Power was on 9th November 2020, when I emailed the photos of my meter for the second time.   Twenty months later, towards the end of July 2022, I was on holiday with my family. I came home on 13th August to find 6 letters on the doormat from Scottish Power demanding £2134.89 for gas supply. They are addressed to "The Occupier" so they have obviously not referred to my previous correspondence or attempted to ever resolve the initial request to change my details. This is contrary to recommendations made by Ofgem's "Erroneous Transfers" paper produced in 2016. One of the letters even says, "Welcome to your new home" as though they have no knowledge of the correspondence 2 years ago. I have received another bill from Scottish Power today demanding payment and threatening referral to a debt collection agency if it is not paid. The above Ofgem paper states that erroneous takeovers should be dealt with by the two companies concerned and not by the consumer at any stage. But in my case, it has been me doing all the running, all the phoning, emailing, talking online, etc. Neither supplier has really done that much and I believe that EDF should never have told me that I should try and resolve this with Scottish Power; and when I contacted Scottish Power, they should also have taken ownership of the problem jointly with EDF and resolved it directly with EDF.   I have taken legal advice and been advised that as this is a dispute between two energy suppliers rather than between myself and a supplier, it is more appropriate for me to contact both suppliers, summarise past actions undertaken by all parties, and request that the supply be transferred back to my original supplier. This sounds hunky dory but doesn't actually help. Two questions arise in my mind... 1. Do i have to pay the bill at all given that it is addressed to "The occupier"?  2. Should I provide my name in my complaint (not yet sent) or simply refer to myself as "The Occupier"? 2. I know I can refer to back-billing guidance but my instinct tells me I shouldn't have to pay any of this bill because the supply was taken over without my consent, I tried numerous times to resolve it to no effect, and was led to believe that I was then paying for the gas due to the actions of both companies. Does anybody think I have a case here and any suggestions about how to pursue it?   Many thanks if you have managed to read this far. Even more thanks if you have any advice :-)  
    • several other threads here too they will give up  just retail loss scammers, nothing ever goes back to the retailers anyway straight in their pocket straight down the pub!!   just like DCA's.   dont forget your cars v5c!! too   you MUST write to anyone one your credit file or banks etc, esp if you have debts that dont show that you might have last used/paid within say 7 yrs esle you'll get backdoor CCJ's.
    • Our produce is likely to be smaller, odd-looking, or even leathery after the hot, dry weather.View the full article
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Alliance & Leicester unsecured loan PPI Reclaim


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My OH had a unsecured loan with A & L in 1995 in which she settled early but recalls that in order for her loan being successful ppi was added.

 

It wasn't a large loan but nevertheless she paid monthly ppi premiums for about 3 years.

 

The problem being is that she cannot locate the original agreement details but does have a couple of letters in relation to early settlement and rebate figures with loan account number and old address details.

 

So she sent off the usual SAR letter to Santander and has now received the attached response. Has anyone received one of the same or is it the usual Santander reply letter ?

 

Cheers

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did you send copies of those letters?

 

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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i sometimes find it better with an sar

 

to actually not 'naildown' what you are actually after.

 

I know the SAr indicates to do so.

 

but they sometimes close their wings when they cant find 'that' exact number.

 

as IMS21 will tell you - HFC/bennys were masters at this

 

adding and taking away pre and post account letters and numbers to hide data

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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i sometimes find it better with an sar

 

to actually not 'naildown' what you are actually after.

 

I know the SAr indicates to do so.

 

but they sometimes close their wings when they cant find 'that' exact number.

 

as IMS21 will tell you - HFC/bennys were masters at this

 

adding and taking away pre and post account letters and numbers to hide data

 

Thanks again dx

 

So can you tell me (sorry to sound stupid as still learning lol ) when you submit a SAR, do you request everything as per name or account number ?

 

And cheque payable to Santander ?

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an sar is on a person, if you include 'an indication' to what data you are after

there should already be a line to state, including all data but not limited too

 

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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yes cheque to satans bank

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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Think yourself lucky you got a reply. after 103 days with no response to my request and to my reminder I had to go to the ICO to get them to acknowledge they had received my request. The ICO ordered them to get it to me within 14 days which in itself would be a feat as I am an expat living is SE Asia and post usually takes up to 35 working days (Sat and Sun excluded).

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  • 2 weeks later...

I Originally submitted SAR to Santander 4th July 2014 by recorded delivery in respect of A & L Credit Card from March 1998 to March 2003. I was after some missing statements that I could not find in order to submit a PPI miss-selling complaint.

 

I received acknowledgement letter 10th July 2014 advising £10 fee had been cashed and matter being dealt with. I then received another letter dated 16th July, 2014 advising that they had located an MBNA account (from 2003 to 2006) and that I was to contact their Data Controller and that recent fee had been cashed for their searches.

 

I contacted Santander again advising that the MBNA (who also contacted Santander) part had been dealt with and eventual PPI had been settled and that they were responsible for SAR details prior period up to March 2003.

 

Today I received a further response from Santander (see attached letter) in which seems a bit confusing so I thought I would give them a call.

 

After being passed from pillar to post, I eventually got transferred to the PPI complaints department and spoke to someone who advised that she maybe able to help :shock:

 

Well she basically told me that she couldn't find any trace of any SAR detail request :-x

She then proceeded to lodge a complaint, bless her and then had the audacity to start asking me questions about how the PPI was sold ???? I told her in no uncertain terms that I refuse to discuss this over the phone (was I within my rights to do so?) and that my original complaint was in respect of submission of SAR !

 

Are this lot for real ? They must be the worst in the industry for their customer services !!!

 

So my questions are in respect of what to do next ? Failure to comply letter as 40 days exceeded and cashed cheque but no details ? A formal complaint to the ICO and FOS ?

Also perhaps an e-mail to Santander CEO regarding the appalling customer service ?

 

Sorry to bleat on but they are so difficult to deal with, especially with such a straight forward request in which after all this time has not even been addressed. :mad2:

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formal complaint to Ana Botin usually gets matters sorted

 

Santander (Abbey, Alliance & Leicester)

Ana Botin ([email protected])

Abbey National House

2 Triton Square

Regent's Place

London

NW1 3AN

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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formal complaint to Ana Botin usually gets matters sorted

 

Santander (Abbey, Alliance & Leicester)

Ana Botin ([email protected])

Abbey National House

2 Triton Square

Regent's Place

London

NW1 3AN

 

Thanks theoldrouge,

 

Would you put it in writing or would via email be suffice ?

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  • 2 weeks later...

I Just had my PPI claim up-held by Santander and they have now made me an offer.

 

Please can someone kindly confirm that the following calculations look correct :-

 

First PPI payment April 1998

Last PPI payment Feb 2003

 

Full refund of PPI Payments £379.90

plus 8% simple interest £425.35

Less Tax from gross interest £ 85.06

Net interest paid £340.29

 

Net offer figure £720.19

 

Thanks for looking

 

g/l

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There is no way for any of us to know.

 

Have you got all of the statements?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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There is no way for any of us to know.

 

Have you got all of the statements?

 

Sorry ims21 what I meant was, the way they have explained / worded the calculation.

 

And no I did not have all of the statements but they made a fair assumption regarding missing info.

 

Cheers

 

Baz

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Sorry ims21 what I meant was, the way they have explained / worded the calculation.

 

Well yes the wording/explanation is fine.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi

 

I have recently sent in a SAR request to Sanatander regarding and Alliance & leicester credit card i took out in 1999. I received a letter similar to yours asking me to contact MBNA, which I had already done. The letter is not very clear so I am not sure whether they are going to do a search for the years they are responsible for or if they are just saying contact MBNA its nothing to do with us.

 

I notice you got a refund from them in the end. Did you make a complaint to the CEO and did you ever receive anything back from your Sar or did you just put a claim in for the PPI.

 

Just after a bit of guidance as to what to do next.

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Hi

 

I have recently sent in a SAR request to Sanatander regarding and Alliance & leicester credit card i took out in 1999. I received a letter similar to yours asking me to contact MBNA, which I had already done. The letter is not very clear so I am not sure whether they are going to do a search for the years they are responsible for or if they are just saying contact MBNA its nothing to do with us.

 

I notice you got a refund from them in the end. Did you make a complaint to the CEO and did you ever receive anything back from your Sar or did you just put a claim in for the PPI.

 

Just after a bit of guidance as to what to do next.

 

Hi Jec,

 

My card was from 1998 - 2005 in which Satander were responsible up to March 2003 and MBNA thereafter.

 

I had originally had my ppi claim refused by MBNA but after recent publicity regarding the handling of complaints by banks, they wrote to me and made me an offer in which I accepted. Then they advised me that they would be contacting Santander regarding the pre 2003 period but I did anyway and I also requested an SAR.

 

Well the SAR is another story, kept getting fobbed off with no this, no that, contact MBNA etc etc but in the meantime I had found some old statements in which I sent to Santander and after refusing their first offer, I have now accepted their latest. I also mentioned that if any new details turn-up in which I did not previously have, I will be submitting a further claim for the difference !

 

Once funds are in my account, I will then send something off to all and sundry regarding my complaint as they are the worse of the worse ! I have logged everything and I will be putting in another claim to the CEO for the inconvenience etc.

 

So my advice is do the same and keep asking for details don't give up !

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