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    • 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).        
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unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter


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Hi All

 

Received a letter from Mortimer Clarke today regarding a debt to Cabot Financial.

 

Letter claims their client obtained a judgement against me on 04/02/2016.

 

First paragraph says "Because you have failed to pay the judgement debt in accordance with the terms of the judgement our client is now entitled to take action to enforce the judgement order against you. Our client has instructed us to apply to the County Court for an Attachment to Earnings order to be made against you."

 

Final paragraph says "If you do not contact us within 7 days , then our client has instructed us to apply for an Attachment of Earnings Order against you."

 

Notes:

 

1. I have checked Trust Online for my current and previous 3 addresses and there are no ccjs registered against me.

 

2. I did not receive any correspondence threatening to take me to court, advising I was being taken to court or asking if I wished to defend and finally I did not receive a judgement.

 

3. The letter makes no mention which court they obtained the judgement from or any judgement reference number.

 

4. The debt is from 2007 and I believe it may well be statute barred now.

 

Can anyone provide any thoughts or advice on how I should proceed at this point?

 

kind regards

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have you the CCJ number

it will be an alpha numeric code

 

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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that'll be it.

 

give northants bulk a ring in the morning

ask for a copy of the claimform and the CCJ by email PDF

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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Will do, so do this mean they do have a ccj? and can I fight this in any way as I was not in any way notified of the claim or the judgement?

 

I moved address in April 2016 after judgement date and have had mail forwarding since moving

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I moved address in April 2016 after judgement date and have had mail forwarding since moving

 

I believe the court forms are do not redirect? OR maybe im mistaken here....

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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yes you can fight it esp if its statute barred

very easy to do

and you should get your fee back too if you are clever.

 

lets see get the info 1st.

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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Share on other sites

I have now received data from Nottingham.

 

Particulars of claim state:

 

By an agreement between Welcome Finance and the defendant on or around 30/11/2006. (the Agreement) Welcome Finance agreed to lend the defendant monies.

 

The defendant did not pay the installments as they fell due and the agreement was terminated. The Agreement was assigned to the claimant. The claimant therefore claims the sum of.....

 

Claim was issued 11 January 2016.

 

Judgement states:

 

You have not replied to the claim form. It is therefore ordered that you will pay the claimant £..... plus interest to judgement date in installments of £50 a month.

Judgement is dated 4th February 2016.

 

The claim and judgement where sent to an address I left in January 2009. Amazingly they now seem to know my current address.

 

Any advice on how to proceed from this point greatly welcomed.

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As i thought, claim issues to old address and suddenly they've found your new address. :(

When was the last payment made to this Welcome Account? Important in case this is Stat Barred

 

This must be LOADED TO THE TEETH with charges you could reclaim?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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what's cabot doing with a welcome finance debt?

don't think they bought any of those in any portfolios ...

 

last payment date please

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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Last payment was February or March 2011.

 

Charges on debt are:

 

£207 in costs and approx £600 interest. Interestingly, claim has 2 tables showing costs. One states Total Costs £207 and the other states costs £105 court fee and £80 solicitor fee. If the breakdown of costs is intended to equal total cost it is £27 short. Fees and interest represent 35% of total judgement

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so wasn't statute barred then.

 

the stuff FK is going on about is from welcome

 

every welcome finance loan/debt will be 90% insurances and letter and default fess etc

car loan?

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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Share on other sites

you mean a shopacheck doorstep loan

that would make sense

 

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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Share on other sites

Further research reveals that I was making payments as part of a CCCS plan. I stopped paying this plan in February 2011 (made redundant, marriage collapse - life pretty much fell apart).

 

Strange thing is first payment to plan was in July 2006 which is 4 months before the court claim states I took out the agreement with Welcome.

 

Any advice on what to do?

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was the a doorstep loan or you said cash, do you mean just a std welcome loan for a few grand to prop you up

then you fell on hard times hence CCCS time..

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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ok strange they don't usually get them.

 

have you had an N56 form from the court yet.

or is this just a willy waving letter by cabot?

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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as far as i'm aware...

 

you could use N244 and get it set aside but you'd need a reason for the set side [serving to an old address is not good enough if you did inform CCCS of your new address before you finished with them or you moved after that date]

 

you'd also need a defence for the actual debt, them not now having enforceable paperwork, it nulled by the default judgement sadly.

 

I believe there a way using the N56 when it comes from the court by disputing the debt that way.

i'll or you'll have to read up

but await the N56 no need to do anything else.

 

have you got all the paperwork still?

if not send welcome finance an sar get it all

like statements etc

 

READ the sar and aLL its posts

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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Thanks for the advice so far.

 

i would wish to avoid an attachment to earnings.

 

Once I receive the N56 is it too late to agree are payment structure with Cabot if making an arrangement to pay proves my only path?

 

if I have to agree a payment figure can i just use the one ordered by the court or will I have to go through an income and expenditure exercise?

 

can I use errors in the court claim to my advantage?

 

if required is it possible to avoid paying the extra costs and interest that have been added?

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the N56 IF one comes has an I&E as part of it.

 

no you cant object to the interest added by the court if the judge agrees it.

 

id get that sar running

it could reveal gold

 

just remember their letter is willy waving..

 

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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You have 2 options......

 

You can ring them within 7 days and confirm you will start paying the £50 from X...assuming they are not bluffing re AoE..

 

If they wont agree to that .....state you will suspend any AoE application and make your own application N245 to reduce the figure to £25 per month.

 

Regards

 

Andy

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