Jump to content


  • Tweets

  • Posts

    • Hi Lolerz Thanks for replying to me, yes I've been ignoring her & will continue to do so. All she keeps saying is they want to come up with an amicable settlement. Keeps saying this to our receptionist she shouldn't be saying this to a receptionist or even me in the first place as they have given no proof of anything no IP addresses noting just keeps saying about an amicable settlement.
    • If a DCA supplies a reconstituted copy of the CCA what would be the next step? It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
    • Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed some of the worst tendencies in British politics”. “The only way to think about it is as a psychodrama enacted, for the most part, by a small group of middle-aged men who went to élite private schools, studied at the University of Oxford, and have been climbing and chucking one another off the ladder of British public life" Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ WWW.INDEPENDENT.CO.UK The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed...  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

3 DCA's chasing old Npower debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3278 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All,

i was after some advice.

 

 

I have an outstanding debt with NPOWER, and

 

 

since the 8th March 2015, have had 3 different letters off 3 different debt collection agencies over this same debt.

 

 

One of them has even called at my house.

 

Is this legal,

 

 

can 3 firms chase the debt at once?

 

 

I am not sure which one I should be paying because in a 3 week period,

3 companies have chased me over this debt.

 

The companies are:-

1)Wescot

2)Fidelite Credit Management

3)Moorcrofts

 

Thanks for any help.

Link to post
Share on other sites

I am not sure which one I should be paying because in a 3 week period, 3 companies have chased me over this debt.

The companies are:-

1)Wescot

2)Fidelite Credit Management

3)Moorcrofts

Thanks for any help.

 

The short answer to your question is.....NONE of them.

 

You only ever pay Npower direct.

Wetcloths get nothing,

Fidélité crudit mismanagement (who are really Scotcall) get nothing either,

& Moorcr@p get zero!

 

Ignore all three of them, deal direct with Npower, start their complaints procedure and exhaust it so you can escalate it sooner rather than later.

http://www.npower.com/home/help-and-support/contact-us/complaints/

Keep EVERYTHING in writing or email.

 

Check your credit file and see whose name it is alongside the default marker.

 

Remember, if anyone turns up on your property they have absolutely NO LEGAL RIGHT to demand anything from you, simply tell

them to go away, however colourfully you may wish, and shut the door, if they remain call the police to have them removed.

 

DCA's are NOT BAILIFFS, nor will they ever be, they have no legal powers whatsoever.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

you don't pay ANY OF THEM!!

 

 

a DCA is NOT A BAILIFF

and have

NO SUCH LEGAL POWERS

 

 

how old is the bill?

 

 

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... 

Link to post
Share on other sites

Npower have a duty to treat you fairly. Using multiple DCA's to chase the same debt is not fair treatment.

 

Are there any issues with the debt? Npower are a complete shambles. Their systems at the very least if not also their staff and their executives are incompetent.

 

We have a lot of problems with incorrect billing and also incorrect complaints handling.

 

I don't know if you know that last year the issue of npower's license was raised in Parliament – and also they were recently find a very large sum by the regulator for their billing problems and complaints handling problems.

Link to post
Share on other sites

Hi BankFodder,

THAT is interesting. The bill was far more than i expected, that's it really. How would I go about this? Would I just raise a complain, or would I issue a LBA or something? Still trying to get my head around the process.

Thanks.

Link to post
Share on other sites

tell us the full history

 

 

its 12mts old

so you moved out of somewhere?

 

 

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... 

Link to post
Share on other sites

Please can you elaborate a little further on the timeline of events?

 

How long were you with Npower before you moved?

Did you have any problems with them during this time?

Were meter readings provided/taken and subsequently used to calculate your bills?

Did you receive a final bill?

Do you dispute the debt?

 

The more information you provide, the more people can help you! :)

Link to post
Share on other sites

Apologies I never got back sooner.

I was with NPOWER for 3 years. Not sure if we had problems, my then partner dealt with the bills. I never knew a meter reading to be sent or taken.

I don't remember us getting a final bill.

I dispute the debt because it's for different amounts. 2 of the letters are for £190 and the third is for £202. Meaning the company have added charges when i'm still disputing the debt. Incidently, i had a follow up to my complaint I made to Fidelity Credit Management. Why would Wescot send it to an agent after only a week? Aren't they responsible for collecting the debt?

Dear ********

Wescot Ref: *********

I refer to your recent contact with our agent fidélité Credit Management regarding the above matter.

Please be advised the details have been forwarded to our Customer Relations team for a full investigation and we will reply in due course with either a full response to the issue encountered or a further update of the investigation.

It is important that we are made aware of instances where a customer feels our service has fallen below expected standards and we will use our best efforts to resolve this matter for you quickly and address all of the points raised. I enclose a copy of Wescot’s Complaints Procedure which provides you with details of how we deal with complaints or concerns. May I confirm that the account remains on hold while we complete our investigations.

In the meantime, please accept my apologies for any inconvenience this matter may have caused and we will be in touch as soon as possible to provide you with further information.

Yours sincerely

Link to post
Share on other sites

If you want some help from us then you will have to give us a better idea of what has happened.

 

This means that we need to know the timeline – meaning when you moved in, when you moved out, the kind of account you had – gas or electricity or dual and what went wrong.

 

You need to lay out for us in a chronological structured bullet pointed fashion so that we have the whole picture. It gets very difficult constantly asking questions and having to pull teeth in a forum environment.

 

In addition to doing this, I suggest that you send npower an SAR straightaway.

 

What kind of correspondence have you received from them? What kind of correspondence have you sent them? Have you been doing much contact on the telephone? If so, what records or logs have you kept of these contacts?

 

Have you read our customer services guide? Read our customer services guide and make sure that you follow the advice if you have any more contact over the telephone.

 

Send the SAR off as a matter of priority.

 

When you have laid out the entire story in a way that we can understand then we can start to give you some advice.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...