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    • Topic moved to Financial Legal Issues Forum.   When you have all the details of the debt /claim/judgment...please complete the following and post your responses back here for further advice.       Andy
    • Although I still think you will be ok on the mortgage front, it always helps to find a good Broker who can guide you around these sorts of things. 
    • Hello all   A colleague discovered he had a CCJ recorded against him by Lowell as a result of them acquiring an old Electricity Bill from around 2011.   They lodged their claim in 2019 to my colleagues old address and got a back door judgement.   I helped my colleague draft an application to set aside and it was decided by the court service to hold a telephone hearing which took place last week.   It was slightly comical.    The Judge had got my colleague on the conference call and rang the number provided by Lowell only to reach a call centre person who knew nothing about the case.  She offered to find somebody but the judge was not having it and said they had plenty of time to sort out the case and he had called the number they had provided and expected someone to be ready to handle the case.  He asked her if she was ready to deal with it.  She said she wasn't so the Judge "dismissed" her and was left speaking to my colleague only.   It then turned out that Lowell had submitted a response saying they agreed to the Set Aside providing Each party paid their own costs to which my colleague agreed.   Our application requested a set aside on the basis that the original claim was not received despite the utility having my colleague's address and for SB reasons.   The final outcome was the Set aside was ordered by the Court and the original Claim restored with 14 days to defend.   I am running the case here for any CAGers to advise and comment.   My next step is to write to the Court and Lowell asking for a copy of the original Claim Form without which it is difficult to defend.   The main details are that my colleague paid his electricity bill before moving house and indeed retained the same utility company in his new house, not something he was likely to do if he was evading them.   In any event the defence is an SB one as the original bill was around 2011 and any claim would surely have expired about 2017.   I will get back to the thread with more details.  If anybody wants to comment then all suggestions welcome.
    • All of the above but I don't think their default is going to hurt your mortgage application.
    • Unless you have already sent it – which I don't think it's clear – how about this as an alternative:    
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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Hiya

Looking for some advice please.

3 years ago I had a pay as you go meter with NPOWER. I moved out of the house and 2 years later they sent a debt collection agency after me to collect £110 for a final bill. When I left the property there was about £3 in credit on the meter.

I refused to pay the agency, called NPOWER who told me that the bill was in error and I would receive a letter confirming this, which never came. The agency continued to contact me, I continued to refuse to pay,

 

I've called NPOWER several times but they are now saying I do owe the money - not sure how I can because it was pay as you go so I can't use it if there's no credit on the meter. They sent me the final bill that they told me was issued in October 2011 but when it came it was only issued in May 2015.

I've emailed them 3/4 times but had no response at all.

The original debt collection agency decided not to continue pursuing me (after about 5 months) and passed it back to NPOWER.

I've just had a call from another agency, I refused to confirm personal details without knowing what they wanted and they wouldn't tell me, just said it was regarding NPOWER so I told them to send me a letter, which they said they can't do without confirming my personal details and that it would be noted i refused to co-operate.

 

Where do I stand regarding this please. The final bill didn't break down any details of how I could owe them money. When I lived at the property I had nothing from them to say there was a debt and I don't see how I could owe them money on a pay as you go meter as they take all o/s daily charges etc from credit top ups. They won't respond to me on email. Who can I complain to about this as please??

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Well here we go. Npower up to their old tricks.

 

The first thing you should do is read our customer services guide and implement the advice there. Then start calling Npower's customer services again – several times and get them to commit themselves to their stories. You may get several versions but the important thing is that you get them all recorded as evidence.

 

It's a shame that you didn't record the call when they originally said that you didn't know anything.

 

Second thing you should do is to send an SAR after Npower immediately. Send the £10 fee by cheque so that you can keep tabs on whether or not it's been cashed. If you send the money by post order, this will become much more difficult.

 

What are the names of these various debt collectors? They have a damn cheek saying that you won't cooperate. It is up to them to establish their credentials and to show you the relevance of their core before you start committing yourself with personal information.

 

If they won't write to you then it is they who are not cooperating. Who are they please?

 

It certainly seems amazing to me that if you have a credit meter, that there can be any outstanding balance. But this is typical of the stupidity of Npower. They are idiots. The next possibility might be the you will hear from their legal department – their legal whizzkid is called Kenneth Radley Bradley Smedley something other – very long name for somebody who doesn't seem to be able to get it right.

 

Send the SAR. Keep logs of any phone calls that you receive. Record all calls. Keep is informed of any developments and come back here when the SAR has been satisfied.

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The billing code will be your saving grace here, they are out of time, they can only back bill you 12 months.

Tell em where to shove it, exhaust their complaints procedure and escalate it to the energy ombudsman.

 

Laugh at the powerless DCA's who ring, then hang up.

 

Keep a diary of events also.

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!

 

 

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Thank you for coming back to me.

 

The initial debt collection agency is Moorcroft. I have the letter from them saying they are passing the matter back to NPOWER.

The agency who called today are Opos (?)

 

What is an SAR please?

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I have sent 5 emails to their complaints line, who apparently respond within 7 days.....................been about 5/6 months since the first one and still no response.

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SAR = Subject Access Request (cost £10)

 

[email protected] ignore the powerless wannabes.

 

Opus Limited

If they ring again, laugh and hang up, keep a diary of events regarding their harassment.

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!

 

 

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One possibility may be that they didn't close your account properly, which then caused standing charges to accrue. A detailed final bill would show this. Notwithstanding that if you told them about the move and they failed to produce a bill they cannot now charge you, they could only go back a year from the date of the bill under the billing code.

 

Write to Npower disputing the bill for this reason and send a copy to the dca

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Write to Npower disputing the bill for this reason and send a copy to the dca

 

IGNORE the powerless DCA, there is no need to even entertain these fools, corresponding with them will do nothing except further their delusions of grandeur.

 

Writing to Npower is very good!

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!

 

 

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Depends if they've purchased the debt or are just collecting on behalf, a copy to them would ensure they'd stop their endless bothering of the op pending investigation in my experience :) npower seem to go from bad to worse with their shonky billing system

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Can you confirm that you have followed the advice which I have given you here http://www.consumeractiongroup.co.uk/forum/showthread.php?465135-NPOWER-False-claim-of-debt&p=4906339&viewfull=1#post4906339 please.

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