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    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
    • HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker.  Indeed, but if the Ombudsman is prepared to accept the complaint, it would be about the advice given by the broker and their paperwork, wouldn't it? You seem to be asserting that the problems you've had stem from their bad advice. HB
    • Aesmith - wanted a btl was placed with a bridge.  The broker did no affordability check, no fact find, no income check, they filled in all the forms - just sent the signature page to sign. The question was/ is - with a high-paying short-term tenant in situ and a history of other high rentals should they have been able to secure a replacement btl?  I'd had a btl for donkeys.  The valuations were way off for the bridge.  As was discovered down the line. HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker. 
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Wages overpayment - ignored everything - now bill is X2 & HCEO's at my door - help


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They work on fear & intimidation hoping that you know nothing and will succumb to their demands. Really they have no powers unless of course they have seized goods which then does give them the upper hand. All the while you deny them this leaves you in control and if they want to get something out of it they would do well to listen to what you have to say or offer. If you can then you should try & record any calls and/or visits - you do not have to tell them what you are doing.

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Correct me if im wrong here.

 

 

After reading replies to this comment and researching on other forums,

unless they gain access to your home in the correct way

or any outbuilding such as a garage,

they cant take anything?

 

 

But if its left outside eg.your car they can then take that?

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Ive just listened back to the recording of my call with the HCEO and he says I have 24-48 hours to sort it out before they come back and start seizing my assets

 

As Plodder said, if they cannot get in, they cannot seize anything. Beware of vehicles as these would be a prime target.

 

They can't force entry without first having gained peaceful entry, so it really is a case of keep everything locked, vehicles out of the way and ignore them entirely, even if they are hammering at the door shouting they know you're inside. That does not mean you are under any obligation whatsoever to allow them in - don't!

 

Yes, items outside, especially vehicles are, as stated, a prime target.

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Correct me if im wrong here. After reading replies to this comment and researching on other forums, unless they gain access to your home in the correct way or any outbuilding such as a garage, they cant take anything? But if its left outside eg.your car they can then take that?

Correct, but if the car is worthless they would be silly to Take Control of it, but make sure sheds are secured and nothing of value is in them. A patio heater and high quality garden furniture would be a target for example.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Correct me if im wrong here. After reading replies to this comment and researching on other forums, unless they gain access to your home in the correct way or any outbuilding such as a garage, they cant take anything? But if its left outside eg.your car they can then take that?

 

For a residential property they must gain entry by peaceful means only

but if you have any detached buildings on site then forced entry may be made to these

if it is believed there are goods inside that may help satisfy the debt.

 

 

If the garage is attached to the main residence then it is protected

- but make sure it is locked correctly.

Any goods lying loose are at risk of seizure - car, bike, bbq equipment & good garden furniture etc.

In the past Bailiffs have even seized doormats but that is all in the past now.

 

 

One word of caution though is that there is provision within the Regulations that allow an Agent

to apply to the Court for forced entry

- but this mainly for those that show trappings of wealth who have chosen to ignore demands for payment

- so if you have a Rolex on each wrist & have left the Bentley outside j

ust make sure you watch what happens from one of your 10 bedroom mansion windows.

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Ploddertom nailed it.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Are they likely to apply for forced entry in my case?

 

 

Just for the record i dont own 1 let alone 2 rolexes.

 

 

Sometimes my neighbour comes home in a Bentley but only because he works there,

and my 3 bed house sadly isnt anything that screams wealth.

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Are they likely to apply for forced entry in my case? Just for the record i dont own 1 let alone 2 rolexes. Sometimes my neighbour comes home in a Bentley but only because he works there, and my 3 bed house sadly isnt anything that screams wealth.

 

If the Bentley is there and the HCEO tries to seize it he might well run away when the Third Party claim goes in.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Are they likely to apply for forced entry in my case? No - although they may threaten to do so.

 

 

Just for the record i dont own 1 let alone 2 rolexes. Just tell them you are dyslexic and cannot even spell it. (Apologies to those that suffer from this condition but just trying to bring a little light hearted humour to the problem)

 

 

Sometimes my neighbour comes home in a Bentley but only because he works there, - must be nice for him to have a choice -

and my 3 bed house sadly isnt anything that screams wealth.

 

Just so you are aware - Enforcement Co's often read these forums to glean any further info, in your case I wouldn't worry as they are obviously on to a loser. If they were not so greedy in the first place then more folks might engage with them.

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  • dx100uk changed the title to Wages overpayment - ignored everything - now bill is X2 & HCEO's at my door - help

so what happened

you never updated up and I see you are back on CAG ..

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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11 minutes ago, dx100uk said:

so what happened

you never updated up and I see you are back on CAG ..

Bloomin heck, wondered what was going on then. I was just looking back through my previous posts as couldn't remember what I had posted. In the end I paid it much to my dismay and never ever received timesheets from the employer unfortunately 

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aw that's a shame 

you should have set it aside if they had no evidence..£255 would have been cheaper than £1600...

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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nice firm..

thanks for the update.

 

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... 

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