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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
    • Find out how the UK general elections works, how to register to vote, and what to do on voting day.View the full article
    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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nPower - Mismanaged account, County Court claim issued aganst Npower


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Ok i understand.....

 

I see where you're coming from too having read numerous other stories etc from other people....

 

I'm still going to make one or two enquiries around a CA though..... can't hurt to have a bit of a dig.

This will have two negative effects.

 

Number one you will wear yourself out

 

Number two you will invest people with false hope and exhaust their anger and their motivation.

 

Don't do it

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  • 2 weeks later...

Npower's Defence:

 

 

1. It is denied that the Defendant is in breach of contract.

 

2. It is denied that the Defendant is in breach of the Data Protection Act 1998.

 

3. It is denied that that Claimant to seek to recover compensation under the Data Protection Act 1998, Section 13 (1) or (2). The Defendant requires the Claimant to prove that she has suffered damage amounting to £2850.00.

 

4. The Data Protection Act 1998, Section 13 requires a Claimant to have suffered damage due to a contravention by the data controller. It is denied that the any alleged breach by the data controller has lead to any damage being suffered by the Claimant. The Claimant is required to explain in detail the nature and extent of the alleged damage, as required in paragraph 3 above.

 

5. It is denied that there has been any maladministration of the Claimant's account by the Defendant. The Claimant is required to explain in detail how the alleged maladministration of her account founds a cause of action to recover £100.00.

 

6. It is denied that the Claimant can recover costs for 20 hours of her time, postage, printing and stationary. The Defendant requires the Claimant to explain upon what legal basis she can seek relief in the sum of £50.00.

 

7. The Claimant has received a supply of gas an electricity at two separate properties. The first property [previous address] was held on account numbers [a] and .

 

8. The Claimant moved to the second property in or around January 2013 at [current address]. The account number was [c]. The Claimant then transferred her supply to a new provider.

 

9. At the time of the transfer account [c] had unpaid charges against it of £437.87. Those charges remain to be paid to the Defendant.

 

10. The Defendant reserves the right to amend this defence to include a counterclaim.

 

11. In the circumstances, it is denied that the Claimant has a cause of action, or a right to the relief claimed or any relief howsoever claimed.

 

All in all, a very bland denial which doesn't actually address, or attempt to address, the particulars of claim. :mad2:

 

Courtesy of the paralegal Kenneth Radley Davies.

 

[ATTACH=CONFIG]56922[/ATTACH][ATTACH=CONFIG]56921[/ATTACH][ATTACH=CONFIG]56920[/ATTACH]

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  • 2 weeks later...

Letter to Radley Davies, requesting Npower provide a better defence:

 

[ATTACH=CONFIG]57108[/ATTACH]

Response from Radley Davies, refusing to provide a better defence:

 

[ATTACH=CONFIG]57107[/ATTACH]

 

Our application to have Npower provide a better defence, or else it be struck out:

 

[ATTACH=CONFIG]57109[/ATTACH]

 

Npower's application to amend their defence to include a counterclaim:

 

[ATTACH=CONFIG]57112[/ATTACH]

 

It would appear Npower believe their only duty is the net supply of energy. Npower denies that it is contractually obliged to manage it's customer's energy contracts with reasonable care and skill:

Paragraph 3 is denied. The Claimant is required to prove that there is a term, whether implied or stated, that the Defendant will administer the Claimant's account with reasonable care and skill.

 

Npower also makes the astounding claim that the complaints process does not form part of it's supply contract with consumers:

 

Paragraph 5 is denied in so far as the complaints process does not form part of the supply contract with the Claimant. The Defendant requires the Claimant to prove that the Defendant failed to abide by its published complaints procedure, and to explain in detail how this allegation provides a foundation for a cause of action.

 

Npower denies that it's own written policy / charter for treating it's customers fairly form any part of a contract with consumers:

 

Paragraph 7 is denied in that the published article “Treating customers fairly – putting you first” does not form part of a contract with the Claimant. The Defendant requires the Claimant to explain in detail the basis upon which the document forms part of the contract and the extra consideration provided by the Claimant to make it part of the contractual terms.

 

Npower deny that a consumer is entitled to have their energy accounts correctly managed. Npower deny that a consumer is entitled to enjoy peaceful and untroubled use of energy.

 

The claimant was entitled to have her energy account correctly managed and to enjoy peaceful and untroubled use of the contracted energy supply.

 

Paragraph 14 is denied. The terms of supply contract require the Claimant to make payment of the gas and electricity supplied to her premises. Where the Claimant is breach of that term the Defendant is entitled to seek to recover the debt by all lawful means.

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:noidea:

 

Hard to believe there are so many walking amongst us !

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Is thay sh1t I can smell hitting the fan.:lol:

No, it smells much sweeter than that!

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Also:

 

Credit report now shows Npower as "settled" and with a zero balance - although they have not corrected the previous, incorrect entries.

The entries should be deleted altogether. Looks like a further DPA breach. Yummy.

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Yes. This s the kind of diplomatic speke which the ICO and the FOS use in order not to annoy their industry cronies - although they aren't too bothered about their duty to the citizens they are meant to be protecting.

However, it will be a very helpful letter in court because it confirms that on the balance of probably, Npower have breached their duty - so it amounts to a further fail for Npower

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Letter sent to Npower 28th April 2015:

 

 

Dear Mr Radley-Davies,

Re: Claim XXXXXXXX

 

 

I have received notice of your application to withdraw your Counterclaim.

 

I have informed the Court I have no objection to this.

 

However, I have drawn to the attention of the Court the reckless way in which you are prepared to sign statements of truth and the trouble which you have caused to both myself and the Court, much to the embarrassment to your employers.

 

I strongly suggest that you take this opportunity to have a hard look at all the files and correspondence which have been produced as a result of this dispute, since 2010, before you go on to embarrass yourself any further.

 

 

 

 

Yours sincerely,

 

 

  • Haha 1
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Response from Ofgem:

 

 

Thank you for your letter of 15th April 2015.

 

I am concerned to read of the problems you have experiences with npower. I would urge you to draw this matter to their attention and would expect the company to respond in accordance with the complaints handling standards.

 

You may be aware that Ofgem does not have a direct role in investigating or resolving individual consumer complaints. All energy companies are subject to strict complaints handling standards which are backed up by an independent Ombudsman (Ombudsman Services - Energy). If your complaint is not resolved within eight weeks - or sooner if npower says it can do no more you can ask the Ombudsman to investigate your complaint. The Ombudsman has a range of remedies at its disposal including the award of compensation, its decisions are binding on the company but not on the customer.

 

Should you require advice, you may wish to contact Citizens Advice consumer service. The Citizens Advice consumer service provides free, confidential and impartial advice on consumer issues. For further information please visit their website www.adviceguide.org.uk or call the Citizens Advice consumer helpline on 03454 040506. You can write to them at the following address: Citizens Advice consumer service, Post Point 24, Town Hall, Walliscote Grove Road, Weston super Mare, North Somerset, BS23 1UJ.

 

You may also be interested in the attached information on Ofgem's website regarding our Standards of Conduct that all suppliers must comply with to ensure that they treat customers fairly.

 

https://www.ofgem.gov.uk/simpler-clearer-fairer/fairer-treatment

 

https://www.ofgem.gov.uk/publications-and-updates/new-standards-conduct-suppliers-domestic-consumers

 

I would be grateful if you could please provide me with any copies of correspondence that you have received from npower confirming the information and advice that you have referred to in your letter and also your permission to forward this information to npower. You may also be interest in our current investigation into npower and their Standards of Conduct and I attach a link to our website for further information.

 

https://www.ofgem.gov.uk/publications-and-updates/investigation-npower%E2%80%99s-compliance-standards-conduct-standard-licence-condition-25c-standard-licence-condition-27-provision-final-bills-and-gas-and-electricity-consumer-complaints-handling-standards-regulations-2008

 

Whilst Ofgem does not have a direct role in handling individual disputes, we do have a role in enforcing consumer protection legislation. I have therefore retained a copy of your letter for our files for market monitoring purposes.

 

Yours sincerely,

 

 

[ATTACH=CONFIG]57453[/ATTACH]
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I am concerned to read of the problems you have experiences with npower. I would urge you to draw this matter to their attention and would expect the company to respond in accordance with the complaints handling standards.

 

 

Bit too late with this bit of advice aren't they?

 

What a rubbish response from Ofgem ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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But at least it is a pretty clear confirmation from ofgem that npower are bound to follow complaints procedures and standards.

 

Amazingly Npower have said in their defence – signed as a statement of truth – that they are not bound by these rules!

 

Npower are idiots

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Loving this thread, Energy Ombudsman usual response, about as much good as a chocolate fireguard.

 

GO GET THEM!!!

 

Perhaps, although they do seem keen to obtain more information.

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If people stooped complaining to the energy ombudsman but instead obtained judgments in the county court and sent them to Ofgem, then the regulator would have to start taking notice.

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