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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.
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Arnold Clark Blackpool breaching regulations

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I have purchased a used Vauxhall Corsa from Arnold Clark but

all I have had is problems and lies ever since I walked onto their forecourt.


First off,

my incompetent car salesman has entered 3 car finance agreements onto my credit report.

These got accepted then cancelled, one after the other. (Not searches these got accepted!)


The only reason he had to cancel them was down to his lack of reading skills.

First one he put wrong information on the application,

the second agreement had to be cancelled as i did not have a guarantor and

the third I was not the main policy holder of the insurance (however this was not listed in my copy of the terms and conditions,

so obviously they just made this up).


he applied for a personal loan in my name without going through any pre-contract information with me.


I had also driven the car away when I signed the second finance agreement with them

there was an issue of whos car it was as there was no finance attached to it!


I have another issue with this car salesman

when I saw this car it looked too good to be true,

i asked him who owned the car before me.



He gave me the line "just a managers car that they have traded in for a newer one",

however, on receiving my V5 it states that a hire car company owned it.



Now i'm sure he has breached the Consumer Protection from Unfair Trading Regulations as stating something which is untrue?

and hiding the fact it is an ex-rental.

What should I do about this?


The manager dealt with us after that and tried to sell us another car!

Even though the finance of the car we just bought was not resolved.

He offered us money to take this new car but we declined.

He also tried to entrap me by recording a phone call

we had without my knowledge or permission.


I have complained to head office with a very long list of complaints for them

to say that we have sorted out your third finance agreement so have set your complaint to resolved.



The manager from the garage we bought the car from rang me and said I can have a full tank of petrol for my inconvenience

and he then added £100 on top of that after I started telling him everything they have done wrong.

This didn't come from head office so i'm not sure what to do.


I have put in a complaint with the Financial Ombudsman and I'm going to write to my local Trading Standards.


Do you think that I'm being fussy or should I not have to put up with this having an effect on my ability to obtain credit,

the fact that they have breached the regulations according to Trading Standards,

breached their code of conduct set out by the FCA and have lied to me throughout this process making me feel stressed and upset.


(sorry for such a long post!)

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Not sure about the rest, but I'm afraid it's perfectly legitimate for them to record the telephone conversation, and they don't have to inform you that they are doing so. It's only out of courtesy that most do.


As long as the recording is made for one of the following circumstances:

1. To provide evidence of a business transaction.

2. To ensure that the business complies with regulatory procedures.

3. To see that quality standards or targets are being met in the interests of national security.

4. To prevent or detect crime to investigate the unauthorised use of a telecom system. And

5. To secure the effective operation of the telecom system.


I'd say that #1 would be the most likely to apply in your case. thumbup.gif



And one question that does arise is, if he recorded the telephone call "without your knowledge", how do you know that it was recorded?

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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you have to look at what damage has been done by their actions. AC are agebts of a finance co so you need to complain to them and get the searches removed. If they are down to incorrect detail then that should be simple. If they wont then put in a complaint to them and write to the CRA to have your statement posted with the entries saying that they are multiple applications of the entry XXXYYYZZZ and are here because of the errors of the originator.

AC will go through a third party to access the CRA database so have a moan at them as well to get the incorrect ones removed. The lists people's name will show up alongside either AC's or the finance co.

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thank you for your replies. I will get in contact with AC and get them to remove them due to incorrect info, thanks ericsbrother.


thanks dragonfly but the nature of the call wasn't any of them. He was asking questions about what he had and had not said earlier that day, nothing about business transactions. He could make it look like number 2 but I fail to see it like that. Also, head office phoned me up stating that the manager recorded the phone call and they just listened to it! (however, it didn't look bad on me, only the manager! lol)

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YOUR incompetent salesman, Ha Ha Ha. clark tell you that their salesmen are fully trained (don't know in what though) and even have an "Academy" for training purposes.

In my unfortunate experience with them, what you got was the norm. In 2008 their "Fully Trained" salesman mis sold me a car because he didn't know that there had been engine changes to my model, or didn't know how to identify these changes.

Since then it has all been down hill, even at general manager level. Even some of their GM's don't know about insurance clauses relating to age of tyres.

I cannot print my true feelings about this dire outfit, suffice to say dog& pavement springs to mind.

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