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    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
    • The world of ballroom dancing went online to cope with the pandemic restrictions, but what does the future hold? View the full article
    • I would add, many companies have done everything possible to manage and carry on in difficult Covid19 circumstances to supply customers with what they need.   Continually making excuses for delays is not what I'd want from an installer and maybe the £100 deposit is not so important.   Get this deposit back if you can but, more importantly, find a local installer recommended by family or friends to carry out the works.
    • Hello all,   I hope you can assist me, as I am quite lost and confused at the moment.   Two years ago I moved to my actual flat. Throughout this time I have been with EDF first and now EON. When I moved in, my landlord didn't quite know which one was my meter and I picked the one that I believed was mine (now reading you I know I should have done a burner test..). During this time, I have been paying my bills and submitting the numbers that I believed mine, which actually agreed with my consuming patterns.   Today, all the meters appeared with numbers, but the one next to the one that I was using, which appeared with a different flat number. As you might have guessed, none of them had my flat number. I have just made the test and it looks like that one may be mine.   Now, how should I proceed? I have been paying bills is not like I wanted to avoid paying, but clearly there has been an issue. Could you please advice me on how to proceed?   Lastly, in terms of meter serial number, the one that I was using matches my bill and I guess my neighbor bill. The additional doubt I have is, who is paying for my meter and why are they still providing me with gas if no one is paying the one that seems to be my real meter.   Many thanks!    
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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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Need a bit of advice here for a friend who cannot afford a solicitor.

 

Quick run down.

 

Friends is a masseuse, working in many different areas including hot stone massage.

She is very professional and has done many years in training for what she covers.

 

A client has decided to sue her using one of these no win no fee companies and has lied stating that my friend didnt get her to sign a disclaimer etc, well I know for a fact she had signed and she has the paperwork to prove it.

 

Now this client has stated that she had a torn ligament from this hot stone massage, now if anyone has had the pleasure of one of these you would know its nigh on impossible to get a torn ligament, Ive had one myself and its the most relaxing form of massage, not to mention when you tear a ligament which I have its bloody painful and the pain is instant and this client showed no signs of being in any pain when having this procedure.

 

Now this friend of mine has no liability insurance, only does this part time and has literally no assets to her name, she is also a single parent.

We feel that this is either someone trying to discredit her because she is a new business or they have some other vendetta against her. Why we have no idea as my friend is the most loveliest lady you could ever meet plus extremely professional.

 

This is a bit out of my comfort zone but she has requested that I help. There is no way she can afford a solicitor and she is scared that this will reach the court stage and will lose what little she has if this woman wins.

 

Any advice at this stage would be greatly appreciated.

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Client has stated or written her a letter before claim ?

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Client has stated or written her a letter before claim ?

The client has never approached her has only gone straight to these no win no fee solicitors.

My friend had no idea that anything was up until she got this solicitors letter.

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I'm afraid that a sign disclaimer won't help very much because you can't disclaim against a breach of contract or negligence where that negligence causes personal injury.

 

On the other hand, if it turned out that she was being deceptive as to the disclaimer then that would help to discredit her evidence. If I were her I would suggest not referring to the matter of the disclaimer at all until it got into court. Then your friend could raise the fact that she had signed a disclaimer. If the claimant then said that she hadn't, it would be the time for your friend to produce the sign disclaimer and to allege that she was trying to mislead the court.

 

This would be fatal to the case but it would be helpful.

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There was no breach of contract though??

There was a consultation first, which she signed to say that she had had, but has now denied that she had a consultation and also signed a disclaimer to state that she had no ongoing injuries or illnesses that would be impeded by this treatment.

 

Wouldnt it be in my friends best interest to send these copies to the solicitor before it even got to court?

 

Wouldnt it be on the onus of the claimant to prove that the massage caused the torn ligament? as Ive said its nigh on impossible, the type of massage is actually used to help these types of injuries not cause them.

 

would my friend be in within her rights to request a copy of the doctors report?

Edited by dx100uk
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Wouldnt it be in my friends best interest to send these copies to the solicitor before it even got to court?

 

Depends on whether or not she wants to embarrass the claimant in front of the judge.....the sooner these NWNF outfits are outlawed the cheaper insurance will become.

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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she really doesnt want to get to the court stage, she is going through some serious personal issues at the moment which I cannot repeat, hence why Im helping her with this so to take some of the strain from her.

 

Depends on whether or not she wants to embarrass the claimant in front of the judge.....the sooner these NWNF outfits are outlawed the cheaper insurance will become.

 

Oh I totally agree, but she really wants this stopped in its tracks as soon as possible. I just want to do this as quickly and with as little mess as I can and at no costs to my friend.

Edited by dx100uk
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Could you possibly scan and upload this letter ( redacted ) ?

We could do with some help from you.

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Hot stone massage causing a torn ligament???

No doctor on this planet would ever sign anything even suggesting such nonsense.

I bet it's a bit of fishing from the nwnf solicitor thinking that your friend is covered by insurance.

Many ways to deal with this, but if i was your friend i would contact the solicitor and point out 2 things:

1. Where's this doctor report?

2. I have no assets, so even if you are successful you won't get a penny

Of course you would need to dress it up a bit 😁

I bet the nwnf solicitor would run faster than husain bolt if he knew your friend has no assets.

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Wouldnt it be on the onus of the claimant to prove that the massage caused the torn ligament? as Ive said its nigh on impossible, the type of massage is actually used to help these types of injuries not cause them.

 

would my friend be in within her rights to request a copy of the doctors report?

 

 

Yes, disclose all the disclaimers now and nip this claim in the bud during the pre-action stage. That way it shouldn't get anywhere near a Court.

 

She should also point out that she has no public liability insurance and no assets. Might make the solicitors think twice if they can't recover any costs from your friend.

 

Your friend has no right to see the Claimant's medical records or reports until the claim is issued.

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Every Contract has an 'implied Duty of Care'.

I would not reveal my Defence until required by Court, but would start compiling it now.

Similarly, until then, your friend has no Right to the Claimant's Defence.

All your friend can do at moment is say to Claimant/NWNF Co. 'see you in Court' or a she sk for advice from a suitably qualified Solicitor.

It is wrong to assume she has no assets at all.

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