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    • have you informed the bank ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.
    • a CCJ does not 'expire' thus does not need any application to a court to 'extend it'. if a CCJ has not been enforced within 6yrs, then it is very unlikely any court would grant such should the claimant return to court, of which the defendant would be advised -( unless they have moved and not informed the court & the claimant such) .  
    • I contacted them when it happened. The caretaker came over, looked at it, and walked off with the tree chunks of mortar. Next morning, they had a roofer come over and enter our garden to inspect it. Friday they were supposed to speak with a scaffolding company. I had to bring up liability and potentially calling the council to report 'an unsafe structure' before they even got moving. They know all about the wedding, the preparations, our patio contractors etc. but their attitude doesn't instill me with confidence. My fear is it will end up being a legal matter which is why I posted here to hopefully receive some advice. As far as I can see, the roof is in a state of disrepair, even if it's just the mortar breaking lose due to the size and weight of the chunks - and even from ground level it's visibly clear that multiple pieces have fallen over time (though never this size so we haven't been able to identify the issue till now - we thought it was rubble left in the garden by the previous owner). Currently, we can't use 25% of our garden due to the risk of more falling mortar which is more than just an inconvenience, we can't proceed with our contractors, and at worst, it will run up in several thousand of extra expenses for us, if we have to find a wedding venue. Even if they do have it fixed in time, and we have to settle for renting a marquee and floor for the marquee and furniture and whatnot it will be additional costs only due to the neighbour's roof.
    • It will be years before Banks would sell to a debt buyer.  Sometimes Banks will use external debt collectors to try to collect, but generally Banks don't take Court action.  So you could be looking at 3 to 6 years, before any dca owning debt looks to take any Court action. And it is not definite that this would happen. So no need to feel pressured at this stage. In the event you found yourself unemployed, you have time to engage with Banks to advise of your situation and ask for time to deal with the situation, find new employment. As long as you inform the Banks they will offer assistance they can. E.g offer payment holiday or accept reduced payment for period. What you should not do, is not contact the Banks and simply default on payments. 
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NPOWER - Complain, OFGEN or other route


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Stalling, most probably. But there is a clause in the Data Protection Act 1998 which allows a data controller to request more infromation to satisfy them as to the identity of the person requesting the information:

 

3) Where a data controller—

 

(a) reasonably requires further information in order to satisfy himself as to the identity of the person making a request under this section and to locate the information which that person seeks, and

 

(b) has informed him of that requirement,

 

the data controller is not obliged to comply with the request unless he is supplied with that further information.

 

If you've not moved address, the account is soley in your name and you were able to quote your account number in your SAR to them - it probably would be a little unreasonable to request two forms of ID. They didn't ask for any ID in our situation. The form wasn't necessary either.

 

Ignore the listing of the dates and times. You are entitled to everything they have regarding you and your account. Perhaps best to supply them with copies of ID so they don't have an excuse not to comply with the SAR.

 

Wouldn't bother with the form but would make clear you want all the information they have about you. Think the only reason they use those forms is to get people to "agree" that Npower only needs to provide the bare minimum, as per this in bold:

 

8) Provisions supplementary to section 7.

 

(2)The obligation imposed by section 7(1)©(i) must be complied with by supplying the data subject with a copy of the information in permanent form unless—

 

(a)the supply of such a copy is not possible or would involve disproportionate effort, or

 

(b)the data subject agrees otherwise;

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Yes, I agree completely. This is stalling.

 

If there is nothing changing your personal details and they have been sending bills previously exactly to that address then there is no reason for them to ask any further identification.

 

In terms of asking exactly what you want – exactly as you've been told above, you are entitled to all personal data.

 

In order to hurry it along, I suggest that you provided with some kind of ID like current energy bill. But after that, I suggest that you tell them that the clock is ticking. The 40 days has already started to run its course. That your details are exactly the same as when they had your account and they were mismanaging it and therefore you consider that they are just prevaricating.

 

Finally point out that your subject access request is asking for all personal data and that they are not entitled to ask that question.

 

Tell them if they do not satisfy your 40 day deadline then you will be making a complaint.

 

Get the letter off now.

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Cheers guys, I thought as much. I'm not near the PC until this afternoon but will type up a letter as suggested and copy some ID for the sake of not giving them any excuses (I'm at the same address, was the sole account holder and they continue to send bills erc here!).

 

Each passing day BF proves what you warned me at the start, it is clear only court action will move these people.

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Today's post brings yet more good tidings from our friends at npower - it seems I must act now to avoid court action. Seemingly this will bring with it all sorts of dire consequences. Then again it is only 'likely' that they will try to recover the balance via the courts, according to Mr Pickles. I also note the letter doesn't state letter before action - I thought surely it must if they actually plan to issue.

 

 

With a bit of luck they'll issue proceedings and save me the trouble and cost.

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Is there any hard evidence to show Mr Pickles is no longer with Npower?

 

His LinkedIn shows he is still working there, although it is entirely possible he has not updated it.

 

Edit:

 

As per batman1956's post below (thank you!):

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This is an extract from a thread on npowers' official Facebook page.....................npower Hi Carol, Gareth Pickles used to head up our Customer Services area but no longer works for npower. Myself and the team are here to help if you can send over your account details in a private message. Carmel

Dont let the parasite dca's prosper

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Well there or not his name is on the letter. I've emailed to add to my complaint but in reality I've emailed to add to the evidence I will be presenting as part of my case.

 

 

Now writing the letter about the SAR which I will post recorded delivery on Monday - I'll post it when finished for peoples opinion, corrections and suggestions to add impact

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Ok, so this is my suggested response to their SAR letter, thoughts and suggestions for improvement anybody?

 

 

FAO: SAR Team

3rd Floor Bowes

CIC Team

Npower

PO Box 188

Houghton Le Spring

DH4 9DB

Dear Ms Barton

Re: Your letter dated 23/04/2015 regarding account number

I was somewhat surprised to receive this follow up to my SAR request some 3 weeks after you received my request and payment of the statutory £10.00 fee.

As you will undoubtedly be aware from looking at my account, my details have not changed. The address is the same as the one the mismanaged account related to and you have been quite happy to send bills and reminders to me at this address without any identity verification. Your letter feels very much like little more than prevarication. Nonetheless I have included a copy of my driving licence and recent council tax bill as absolute proof of my identity to ensure the process is not unduly delayed.

As I am sure you are aware the legislation is quite clear, you have 40 days to comply from receipt of my valid SAR with payment. The clock started on those 40 days when you received my request. I will be reporting any failure to meet the 40 day deadline to the information commissioners office.

On a final note my request was clear, I require ALL personal data including, but not limited to, any recordings of calls, screen notes, account notes, bills and statements. You are not entitled to require me to specify which data I require.

I look forward to receiving the requested data by the deadline date. For the avoidance of doubt I calculate this date to be 11/05/2015.

Edited by L1882
remove account number - oops
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Did you pay by cheque? and has it been cashed? - when?

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Please can you check with the post office the date that the order was cashed.

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We need the encashment date because if they had any doubts then they should not have cashed them.

Please get the date

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Ok I'll try and get that - I will have to find the post office receipt for the PO's (wish I'd sent a cheque now, so much easier!) and then ask for the encashment date as I didn't record the numbers sent with each request - didn't even realise you could check when they had been cashed.

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I never understand why people send POs rather than cheques.

 

I also don't understand why people don't keep PO stubs when it is so obvious that if something goes wrong then they have no comeback without them

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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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That's good news. Let's find out the date it was cashed. It might help a lot

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In the end I see this as the long game anyway. The longer they mess about the more threatograms I get then the more weight they add to my case when it's brought for the enduring stress and worry they are causing me.

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So developments today. I received a call advising me my complaint was being looked at and I should hear back quickly - maybe today but certainly in next 2 weeks. Now received an email which basically saying that as a result of problems at their end the bill was late and qualifies for a write off but this needs authorising and will be confirmed.

 

IF they do refund do I still have good grounds for a case as a result of the distress and inconvenience caused - or would the courts likely view that in a dim light?

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I'd hang fire a bit and see what their SAR reveals. But from what you've said so far, they've badly mismanaged your account which is still a breach of contract.

 

Even if they do "write the bill off" - who's to say the bill was valid and accurate in the first place? Experience has shown they don't have a bloody clue at the best of times.

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