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    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   2. The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974.   3.The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago   Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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Chris.Marsh

Changed energy supplier without Authority!

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It would appear that I have been moved to another energy supplier without my authority!

 

This started back in November last year when I was contacted by Unicom sales and offered a better deal on my electric supply

all sounded pretty reasonable on the phone and they e-mailed me a Letter of Authority to sign and return.

 

 

On reading this Letter of Authority which gave them the authority to contact my current supplier

and gather information about my account and rates;

but I noted that there was a paragraph that gave them the Authority to Terminate my contract with my current supplier

and move it to them, so at this point I left it.

 

I soon received a call asking for the Letter of Authority,

I explained that I wasn't happy with the Termination Clause and that I wouldn't sign such a letter.

 

 

I was assured that they wouldn't terminate my current supplier contract without my say so;

so to be sure I edited the Letter of Authority and removed the offending paragraph, signed it and sent it back.

 

I never heard any more until

 

 

a couple of months ago when I noticed that my DD payments to Unicom had jumped from about £30/Month to well over £1,000/Month.

 

 

I immediately rang Unicom to see what was going on and

they told me that it was because of my electric supply which they had taken over,

I found this to be quite distressing as I had been paying my previous supplier in the region of £700/Quarter.

 

I asked on who's Authority had they transferred my contract?

I was informed that I had signed a Letter of Authority and that they had this letter on file;

I asked for them to e-mail me that letter which they did and I can confirm that the copy they have is the edited version that I sent.

 

So my question is did they have the authority to terminate my contract?

 

Regards

Chris

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no!!

 

 

get the ofgem involved quickly

 

 

contact your old supplier and get them to reverse the switch


please don't hit Quote...just type we know what we said earlier..

 

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Get a subject access request off to them immediately so you get back a copy of the amended letter you sent them.

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I have a copy of the original Letter of Authority, I have the edited version and I have the edited version again but this time e-mailed from them so this proves that the version they have on file is the one that I edited.

 

so do I have enough?

 

Is the next action to contact them again and ask then to read the Letter of Authority again and point out the edits I made?

 

Regards

Chris

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also chrish

 

 

go have a read of the BES threads in this forum.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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First off, do as dx100 says above and report it to Ofgem.

 

 

Next is to send them an official complaint and marked as Official Complaint and include a copy of the amended contract.

Also send an email with your complaint to the CEO - chris.earle@switchingon.com and see what he has to say.

 

 

When you have gone through the formalities, then you can start moving higher. It's not an overnight fix though.

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OK and thank you Guys, I'll get the process under-way on Monday.

 

Regards

Chris

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