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    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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Having major issues with the children at NPower. I thought I would share it for some advice and so that others can see how they treat customers.

 

Basically we ran into some arrears a few months back. This was due mainly to them not billing us, to which we had a letter stating this and many DD not being registered that we tried to set up during this time. After each failed DD we kept contacting them regarding the DD but were ignored until we made a formal complaint to which we then had the debt spread over a longer period and some money added to the account as a goodwill gesture. This goodwill gesture they keep throwing back at us as though this new period of incompetence should be accepted by us.

 

Anyway, fast forward to more recent times and we fell behind with the arrangement to which I apologised and wanted to set up another payment plan now our situation was better. That is when the nightmare began resulting in NPower well and truly throwing their toys out of the pram. This is the story so far:

 

My wife called the call centre on 11 July 2015, hoping to clear the matter up and after waiting around 2 and a half hours after once being cut off got transfered to some sort of specialist department for payment plans.

 

At around 5.10 she got through to someone and explained our situation and asked if there was any posibilty of having the debt spread over a longer period than 36 months and was told no, not at all. Fearing that they would enter our house as per the letter she agreed to the higher repayment with the view to appealing it. That and there was no other option. So when my wife was ready to set up a direct debit, guess what happened next? The person refused to set up the DD telling my wife she had to go away and think about it. Given that we were only given one option what was there to think about? No amount of asking made her change her mind.

 

Still worried my wife called the department again hoping for someone else. This time she went through on a number she was given by the previous person, so no waiting. This time the guy refused to do the DD because his computer had broken. However, he had told my wife that he was the only person there meaning 2 things -1) that there were plenty of computers for him to log onto and 2) that the previous person who my wife had spoken to had finished her shift and this would explain why she was reluctant to do any more work that evening. Eventually after much persuation he set up a DD on his manager's computer - only he did not.

 

I then sent a letter of complaint to them and learnt later in the week that the last person my wife spoke to had not set up a DD debit. It seems that when my wife called that Saturday that he was also due to finish his shift due to the department closing some 20 minutes later and had no intention like his team mate of setting up a DD. A 3rd call was made yet still no DD was set up.

 

I received a reply to my complaint via post where we were simply directed back to the same department if we wanted the debt spread over a longer period and no attempt at all was made to address issues such as were there any fees added to the account as the letter stated would be if we did not get in touch. Our fear is that if they have not done their job right would it look like we had not contacted them. This is has been asked 3 times now and ignored by 3 departments meaning the quesion has been ignored 9 times in total.

 

I then asked for the complaint to be escalated and after waiting for a few weeks decided to chase this up as well as the other issue. This is when I was informed that instead of escalating the complaint it was closed down and they would reopen the complaint. I explained at this point I was well within my rights to take the comaplaint to the ombudsman. He also made reference to the 'accounts' and as we only have the one to our knowledge I asked him to clarify what he meant by accounts and by default I asked the following departments to clarify this situation. To this date no one has clarified this and we are unaware of whether there is one account still or whether another one post my complaint had been opened as well.

 

At this point I decided to contact the online team. From the conversations on there it seems that it is regular for them to not set up direct debits and to cancel complaints half way through as well as many more serious complaints.

 

I repeated my request for the debt to be spread over a longer period as it had been before and was advised to send in an Income and Expenditure form. I was hoping that in regards to all the rubbish I had endured they would push it through with out but they would not. I also found them to be very evasive. I asked them to confirm their compaints procedure as I was a bit concerned by my previous complaint being closed down. Initially they refused and it was not until Monday I was sent a link. I think she realised she was in the wrong and sent it.

 

Last Monday I sent in the I&E form but I also reveived a dead lock letter from Elizebath Gibson which did not give me the time to send in the I&E anyway. Everyone concerned has given me the opinion that unless I send in an I&E form the best that they can do is spread the debt over 36. Now that it is sent in they are claiming I can no longer spread the payment over longer. There was some issues regarding them receiving it and despite being told I had the correct email address I have had to send it 3 times. 2 times to the wrong address that I was told was the correct one and then not the correct one and once today to a working one.

 

I was also told over the phone yesterday that once received it will go to the same departement that I complained about to be considered for the longer repayment period and when I called today as instructed to see if the email had gotten through I was given the different email address. So many different stories.

 

With some hope I contacted the online team as advised by todays call and explained the confusion. The confusion being when they decided I could no longer have the debt over a longer period I was unaware that the form had not gone through. I told them it had been resent and can we look at it all afresh. They are still standing by their decision to no longer offer me this. This being the 36 months, metre or sending in the I&E form. However, it appears now that they are even refusing to take a look at the I&E form. Somethind I also noted in Gibson's deadlock letter. She is claiming that I declined to have a meter installed. This is a lie. It was mentioned a couple of times by the online team however I did not reply to it as I chose, if you like, the option of sending in the I&E form.

 

Sorry about the long post guys.

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UPDATE:

 

I have just been informed that it is not now due to me not sending in the I&E form that they cannot spread the debt over a longer period (despite me having my online conversation still to hand and a final letter both stating it was) it is now because my wife 'agreed' to the payment plan in that call back in July.

 

If you remember that call involved my wife asking if it could be spread over a longer period and being told NO so was forced to accept the one and only offer available. So it looks like my wife was rail roaded into accepting this repayment plan after being specifically told there was no other option when in fact there was. And they have not even set up a DD yet.

 

I have been in contact with Laura for weeks and this has only just come up, now that they they have received my I&E form. Can anybody else smell that...

 

People of note

 

Mark H - ignores important questions and as Head of Complaints is a joke.

 

Laura (online support) - pretends she can help so that anyone visiting the facebook page is mislead but falls way short. This has also been mentioned by other posters.

 

Elizabeth G - feels it OK to rush a deadlock letter out claiming they cannot offer an extended repayment plan due to no I&E form only for the reason to change later. Also lies in her deadlock letter.

Edited by lee79

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You should start by reading the customer services guide and see if that gives you any ideas.

Edited by batman1956
LINK SUPPLIED

Dont let the parasite dca's prosper

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Thanks batman.

 

Just a quick update while I'm here. The complaint is now with the ombudsman, however it hadn't stopped NPower getting BCW group to chase me up with a letter and threat of a home visit! Needless to say that won't be happening.

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Have you switched supplier or still with Npower ?

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Have you switched supplier or still with Npower ?

 

We're not in a position as of yet to leave but as soon as we can we will.

 

Yet another letter this morning from past due threatening to add fees to the account if I don't agree something with them, despite me asking the ombudsman to ask NPower to stop harassing us.

 

EDIT: just re read the letter and they've actually added fees to the account.

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dont accept the ombudesmans first decision if it is wrong, they have a fist line team who know very little so you have to complain about them and say you do not accept that decision to actually get your complaint read by someone qualified to reach a proper determination. If you do haveto complain to the ombudsman about themselves threaten to do a SAR to get copies of all of the correspondence and telephone calls between them and NPower where you are the subject. You are entitled to these but as they tend to go along with whatever the energy companies say having these recorded chats made public is not in their interests so they tend to work a bit harder at their proper job when you mention it.

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dont accept the ombudesmans first decision if it is wrong, they have a fist line team who know very little so you have to complain about them and say you do not accept that decision to actually get your complaint read by someone qualified to reach a proper determination. If you do haveto complain to the ombudsman about themselves threaten to do a SAR to get copies of all of the correspondence and telephone calls between them and NPower where you are the subject. You are entitled to these but as they tend to go along with whatever the energy companies say having these recorded chats made public is not in their interests so they tend to work a bit harder at their proper job when you mention it.

 

Thanks for the tip ericsbrother. The problem is pretty basic and I'm not asking the world so here's hoping they make their decision right the first time :-)

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