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    • Hi and Welcome to CAG   I have moved your topic to the appropriate forum Mortgages and Secured Loans please continue to post here.   Have you actually checked your CRAs yourself...you say you have been advised...what is showing ?   Andy
    • Yes not much happening at the moment...you could complete your DQ in the meantime...dont submit until advised by the court.      
    • Hi, has anyone had any experience with Barclays Mortgage options being incorrectly advised?   I went on maternity leave 6 months ago and went to Barclays to see what options where in terms of my mortgage. All I was advised was a reduction in my mortgage for 6 months which would result in arrears for six months.   I was not advised of any alternative options eg mortgage holiday or interest only. I have now been advised that Barclays have logged arrears and missed payments on my credit file which was not explained to me. I have sought advise from a financial expert who has advised I have been misinformed.   Has anyone had any experience with dealing with something similar?
    • I've had a read of the council tax 92 regs (admin & enforc).    Section 2 - seems to cover how correspondence concerning a property should be addressed.    I have the following query:   I notified my council by email (lots of messages to and fro) and sent copy of Order - all got resolved, refunds made, property labelled as exempt.    The next  physical letter for the property I still received (on divert). The letter was not in my name.  It was labelled 'The c tax payer'.    I had not given council a forwarding address.    I had email advised I was temp residing elsewhere - so all communication to me, about me, was to be done just by email.    I had also redacted the bank's name on the Order.   Why would the council - as seen in sar - subsequently send letters addressed to me c/o the bank's address?      The council clearly didn't get the bank's details from me. Is it possible bank 'pretended' to be me, used their address as 'my' forwarding contact address?     The property is exempt - so there is no need for 'my' name to be on council records, let alone c/o the bank. How can I find out what has happened?  And can I easily remove the 'wrong' address attached to my name?   dx - these people are trying all sorts of underhand tricks - they are awful.  A barrister friend likened it to "they think they are above the law; they keep trying to circumvent it for their own purposes - and it won't work".     re: the court - they still haven't served sd and their B petition thus got adjourned.  None of this was disclosed in the sar.      Are they now supposed to locate me and issue a proper sd - before the adjourned case  - which they haven't told me about...    Out of curiosity - in the midst of nationwide lock-down how can anyone be served?
    • you need to use our custom google search box which if does not show on the current page you are viewing it appears after hitting our top square logo and get reading up on like 'parcel lost court claim' or such words you think fit,  to fully understand and get familiar the correct process.   like https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=parcel lost court claim&oq=parcel lost court claim&gs_l=partner-generic.3...442891.450854.0.451334.23.23.0.0.0.0.178.1914.22j1.23.0.gsnos%2Cn%3D13...0.8008j3413106j23...1.34.partner-generic..17.6.601.rSZ-hV4HSXs   though you must be mindful that during and for a longtime after, the current situation we see ourselves in, nothing much might well happen for well on a year as the courts will need to catch up.    re:   
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carriesue

LCS demand for estimated bill 2016 from E-on

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The last few months I have been receiving numerous letters from a company called LCS demanding £24.65 + £5 admin charge on behalf of their client E-on for an alleged bill in June 2016 when I switched to a different supplier.

 

I have contacted them by email many times for them to prove who they are & how the debt was incurred.

 

LCS have now sent me E-on bill printouts & are now demanding £99.65 for an 'estimated bill'.

As far as I'm concerned I do not owe any money.

 

E-on have been very unhelpful.

 

Any assistance please?

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LCS are a DCA

they are NOT BAILIFFS

as with any DCA on ANY supposed debt

they have ZERO legal powers

 

safe to ignore them.

 

deal with E.ON

if you want to do anything.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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You should raise a complaint writing to EON and see the complaint to the end of the process. Totall ignore LCS.

 

Remember that Energy suppliers now register such debts on credit records and you therefore might want to check and make this part of your complaint.


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If this is the case:-

 

What is the back-billing principle?

 

Put simply, if your supplier is at fault, it will not seek additional payment for unbilled energy used more than 12 months prior to the error being detected and a corrected bill being issued.

 

When does the back-billing principle apply?

 

Each case is looked at on its own merits; however, the 12 month limit for back-bills may apply in these examples when your supplier has:


:mad2::-x:jaw::sad:

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Yes it's on my credit record & the back billing estimate states from April to July 2016.

I will write to E-on as I have not had any luck by phoning them.

Thank you for your help

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Definitely write to them, you need a papertrail of evidence, phoning them is pointless.


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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we have two E.ON reps here they should be able to sort this tomorrow


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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your new supplier will have the meter readings from the a switch over, I hope you gave them accurate ones.

A third party company actually gets the data from the new co and then runs a bit of load analysis on this and passes it on to Eon, who then send you a final bill based on your reading.

 

However, this third party company managed to screw up my meter reading passing on twice in 3 years

so it is imperative you have your own readings written down somewhere.

 

No-one tells you about these other companies when you switch supplies and they never cant be forced to do anything as they are outside the regulators and ombudsman's powers.

 

So check what readings the new supplier started with and whether they were actual

and then ask Eon what they had. If they are correct you offer to pay them and they cant refuse,

 

if they are wrong then they may owe you a lot of money for false reporting on your credit records..

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I dont understand why people don't take pictures of the meter reading on the switch over date.

Take picture

Send picture

Get final bill

Pay bill if reading correct

If not correct say I'm not paying, here is proof of meter reading.

I'm paying that, send bill for that, if not, take me to court.

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