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    • Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and thank you for concluding your topic, title updated.   Andy   .
    • So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  
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reposession help


rogersonjeff
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Hi need some help please filling out my defence for up and coming repossession hearing against G.E.Money

date is set for 13/01/16

Monthly payment £264 arrears total £842

Hoping I can raise the issue of amount of charges added to account off the top of my head approx £3000

Interest is also charged on top and statement says I have paid £1000 towards these charges

By the time it gets to court I would have made Decembers payment and brought arrears down to approx £700

Any help will be really appriciatted

Edited by rogersonjeff
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It looks like you are just over 3 months in arrears. What are you able to offer each month on top of the normal monthly payment ?

 

How did the arrears come about? did you communicate with GE regarding your situation ?

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Thanks for quick reply its my house they are trying to take they are my mortgage provider .wife has been ill for five years and cant work,had to take time of work to look after children when she was hospitalised.

had mortgage since 2005 but have struggled for last five years dropping in and out of arrears, that is why so many monthly arrears charges have be added

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OK, can you answer the questions in my previous post please

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others may be in a better position to comment but if your wife is ill then mmaybe this could be used as leverage to halt/stop proceedings - and surely if you re that close to paying off the debt fully then you may be able to negotiate an arrangemet - seems daft to seek repossession for such a small amount

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Let me guess. Your arrears are small, but theyve added a ton of charges, and are trying to claim repossession alleging the full amount are your actual arrears.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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If you apply to the court with the proposal to offer £300 a month (which I assume is the monthly payment plus approximately £35 against the arrears) then the court would be likely to suspend possession, as this will clear the arrears within two years (I assume there is at least this long left on the mortgage?).

 

That is IF you can demonstrate affordability, both in terms of your income going forward and that you can't afford more.

 

In terms of the charges, the courts sadly have no say on this I don't think. You would probably need to try to reclaim them separately.

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i dont think theyd ever be able to get repossession based on obscene charges. Especially for such as tiny actual arrears sum.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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As you owe less than £1000 in arrears and have the ability to pay extra each month, there is no way a judge will grant GE possession. We can help you with your defence of the repossession action.

 

Have you been in contact with them either on the phone or in writing to explain your circumstances ?

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As i said ive struggled for years with them always in and out of arrears but i think ive just hit the magic three months..if i try to talk to them they wont take any offer unless it clears the arrears in six months.

Is it not possible to put a separate claim in for the charges and use this to get the hearing stayed

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The charges are a separate issue to the arrears and the fact that you believe the charges to be unfair will not affect the possession proceedings. Even if you get the charges refunded it will not change the fact you have arrears of monthly payments.

 

A quick example - outstanding mortgage is £100k charges of £3k added = £103 outstanding mortgage

Arrears are £1,000 = outstanding mortgage £104

Charges of £3k refunded = £101 outstanding mortgage, therefore the arrears of £1k are still there.

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Not really, the court is only interested in the arrears (missed monthly payments) and how they are to be paid.

 

The charges are a separate issue.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Have just recieved a updated arrears statement from G.E. charges are worse than i thought charges =£4404 additional interest =£740 payments made towards charges =£4003 outstanding =£1557 can i try and claim what ive paid using the FSAs MCOB rules if i can is there an idiots way to start this off

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Get reclaiming those charges. GE are well known for it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 10 months later...

Hi there need some help again im trying to claim charges via the ombudsman and have finally been allocated an adjudicator.

spoke to him this morning and he said ombudsman cannot do any thing about arrears charges if they are stated correctly in the terms and conditions

I explained to him that i am in real financial hardship of which he agreed

I also mentioned that i have read case of other mortgage companies that have been made to refund excessive charges

I also mentioned that I have read that the ombudsman set a limit in some cases that justify the amount of extra work that the company has to do when the account is in arrears.

trouble is i cant find any evidence of this to pass on to him any help or links will be much appreciated

as I feel he is just going to let them get away without any refund

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Hi there need some help again im trying to claim charges via the ombudsman and have finally been allocated an adjudicator.

spoke to him this morning and he said ombudsman cannot do any thing about arrears charges if they are stated correctly in the terms and conditions

I explained to him that i am in real financial hardship of which he agreed

I also mentioned that i have read case of other mortgage companies that have been made to refund excessive charges

I also mentioned that I have read that the ombudsman set a limit in some cases that justify the amount of extra work that the company has to do when the account is in arrears.

trouble is i cant find any evidence of this to pass on to him any help or links will be much appreciated

as I feel he is just going to let them get away without any refund

 

 

What happened over the repossession matter, I just scrolled through this thread to see the initial problem. Whose fees/ charges are you talking about?

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hi im still in arrears but below three months so they cancelled repossession hearing

mortgage was sold to kesington earlier this year

ombudsmans complaint was started when mortgage was with GE but it is now kensingtons responsibility

dont hold out much hope though after speaking to him on phone

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why are you going via the FOS?

waste of time on any charges issues.

 

did you get the sar back off GE and have you got every statement from day one now?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

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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