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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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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes
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It’s all the ifs and the buts that’s dragging this out..

 

how many years now. Surely there’s got to be some light at the end of tunnel and closure at last?

 

this dragging on without responses is killing me 

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that's the idea

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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they want to wear you down...that's possibly the only thing they can really ever do.

 

 

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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Chuck this in??

 

I for one would gladly see you  in court to yet again get this whole thing closely examined by yet another judge and finally force the removal of the charge against the property as the whole debt is subject to mass irresponsible lending,  numerous penalty charges for all manner of indiscretions and other insurances making any balance bogus.

 

I bring back your attention my letter off 25/03/2017 whereby this was fully outlined from the onset. However you chose to disregard my claims and dispute and proceed with a possession claim which was without merit. Which was dismissed and you were liable for my costs. Is this another risk you are willing to take?

 

To make things simpler and less costly for yourselves take the payment you already received of £8,163.29. in full and final remove the charge,  write the debt off and close this account down for good. My evidence regarding the resultant balance has been clearly submitted many times. 

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pers I wouldn't offer settlement.

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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They’ve already had that money from the FSCS in jan 2017 and kept it though?.. 

 

so so they are defo up compared to what they probably paid for portfolio 

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good that's all they'll ever get😛

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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  • 1 month later...

I have got a copy of the letter they say I haven’t received dated 28th March. 

 

Where they've got that idea from I don’t know. 

 

nothing in the letter they’ve sent sheds any light on my letter to them in July I keep repeating questions to them that they still fail to answer its doing my head in 😂

 

 

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well bods assumption that as you are disputing that the whole debt was the result of welcomes charge /IRL etc  bla bla that we've said 1000 times before to them is wrong since day one is wrong.

 

your complaint was made in time and just because welcome wiped their hands of it, they have inherited all rights and own the charge on the property too.

so saying that because the events happened prior to 6yrs or within 3 yrs of you reasonably knowing you could complain is irrelevant.

 

IMHO they should be investigating from day one not also wiping their hands of it.

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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