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    • what time do you have to go in today? I am wondering whether it might not be a good idea to go in with the letter of claim and if there is any mucking around them to hand it to them.   We would have to draft something appropriate.   in any event I think you should prepare an sar and take it with you and hand it to them make sure that they realise what it is. Hand it to a senior manager.   Use our sar template here.   I think that they are starting to lead you around by the nose and I think that you should take control and make sure that they realise but there is only a short time before it goes legal. A letter of claim would be the best thing to do in addition to the sar     
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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https://www.energylivenews.com/2016/06/08/millions-overcharged-270m-due-to-billing-errors/

 

Around 3.8 million energy customers were overcharged a total of £270 million due to billing errors last year.

 

That’s according to a report by uSwitch, which estimates it cost each household on average £72.

 

Around 9% of them are yet to receive any money back from their supplier and 12% waited more than two months before the issue was resolved.

 

More than a third – 36% – of consumers whose supplier made a mistake said the wrong tariff or product details were applied. Around 31% said their suppliers applied incorrect fees, 27% said they used the wrong meters and 24% said companies set inaccurate direct debit amounts.

 

Claire Osborne, Commercial Development Manager at uSwitch said: “Consumers have a right to expect correct bills. It’s unacceptable in this day and age that customers are picking up the cost of suppliers’ mistakes. Households are already trying to cope with the high cost of energy and can’t afford the additional cost of simple blunders.”

 

 

It's high time things were changed. I cant see smart metering ending these issues when the complaints listed above are down to fundamental errors rather than estimated bills!

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Claire Osborne, Commercial Development Manager at uSwitch said: “Consumers have a right to expect correct bills. It’s unacceptable in this day and age that customers are picking up the cost of suppliers’ mistakes. Households are already trying to cope with the high cost of energy and can’t afford the additional cost of simple blunders.”

 

Well she better have a word with Npower. We have a sworn statement of truth from Kenneth Radley Davies who is (assuming he is still holding onto his job) which says that he would not confirm or deny any allegation that Npower had a duty to produce accurate bills.

 

If they're prepared to swear this kind of thing in front of a court then we just have to shudder when we realise what they are doing to undefended and innocent customers.

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Energy companies [problem]s. Its a national scandal.

 

 

Ofgem failing the customers, as is the DECC.

 

 

Simply unacceptable.

Edited by honeybee13
Potentially libelous remarks removed.
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Energy companies [problem]s. Its a national scandal.

 

Ofgem failing the customers, as is the DECC.

 

Simply unacceptable.

 

6.33am 11 June 2016.

 

I note the censorship of the words [problem]s and cons and in this case its £270 million worth.

 

When the mods changed my text without first discussing the matter as has happened in the past you have censored quotes of law, which you simply cannot do.

 

But, I am still awaiting the mods getting the links set up to actual law which could avoid this absurdity.

 

But then again I repeat and ask myself is this the "inaction consumer group",

abiding and abetting criminals in their day to day activities?

 

Perhaps the mods can explain the editing of the words [problem]s and cons all £270 million worth in the context of SLC 25C.4 to be honesty ,accurate, transparent or omit material facts?

 

Stevie

 

 

 

 

This is serious organised crime taking place.

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That's right, king.

 

HB

 

And therein lies a problem, when you "quote the law". It make an absurdity of the quote and the law.

 

So the software needs to be refined.

 

But notwithstanding same The words [problem] and cons are used in other threads without censorship.

Why is it that there is complete inaction to make a class complaint on behalf of all energy users?

I will name 4 companies the 2 German companies Npower and EON , Scottish Power and British Gas who routinely [problem] customers and therein break UK laws.

 

A class complaint would get around Ofgem nonsense about them not dealing with individual energy users complaints , which is against the law in itself or trying to pass the buck to the energy Ombudsman.

 

Where is the mods positive action to provide links to the law as I did this very morning and has been done before?

 

Remember £270 million is serious organised crime.

Stevie

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Editing is covered under forum rules, Stevie.

 

2.1 Our Team Members are here to monitor and where necessary move, edit, lock or delete threads/posts in order to protect the good of The Group. They may also be referred to elsewhere as "Moderators".

 

2.2 If a thread/post is moved, edited, locked or deleted... it will not be a personal attack on you. It will only be as a result of the guidelines below and will always put the site first. If you attempt to re-post information that has been unapproved then you will be in breach of the rules yourself and subject to further action as deemed appropriate, and as outlined in section 7.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?9-Forum-rules.-Please-read-these-before-posting

 

HB

Illegitimi non carborundum

 

 

 

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Hi Stevie...again

 

Here is the link to forum Rules (I note you still have not viewed them )

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?9-Forum-rules.-Please-read-these-before-posting

 

Once you have read and understand what is acceptable and not on being a member of a forum..this will explain all your queries above.

 

Once digested...here is a link on how to start your own thread...then you can keep track of the relevant legislation...rather than keep posting it on other posters threads.

 

+ Post New Thread (big blue button top left of each forum underneath the Twitter Box)

 

Regards

 

Andy

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Hi Sparks

 

The original article was over errors such as the wrong tarif being applied. When you sign up to a tariff you should receive confirmation of the terms, conditions and prices associated - check this against your bill, also your meter details should be on your bill - check these match and that the meter readings resemble what's on your meter.

 

Inaccurate direct debit is a little more tricky as suppliers try to forecast your usage; a credit should be built up in the summer to cover higher winter usage, but this shouldn't be excessive - providing regular readings enables better forecasts.

 

Hope this helps

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Hi Sparks

 

The original article was over errors such as the wrong tarif being applied. When you sign up to a tariff you should receive confirmation of the terms, conditions and prices associated - check this against your bill, also your meter details should be on your bill - check these match and that the meter readings resemble what's on your meter.

 

Inaccurate direct debit is a little more tricky as suppliers try to forecast your usage; a credit should be built up in the summer to cover higher winter usage, but this shouldn't be excessive - providing regular readings enables better forecasts.

 

Hope this helps

 

I am paying by DD and my Electric is over £150 in credit, usually they send me a refund after the april statement but this year all they have done is reduced my DD by a few pounds, I will still be in credit by the same amount after next winter! Can I demand they refund me the credit?

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yes, you absolutely can. Contact your supplier with current meter reads to get a true picture of where you are now and ask for the credit to be refunded.

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