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    • Hi Guys,   My friends wife ignored letters from Horizon Parking and their solicitors and now has a CCJ registered on her credit file.   Stupidiy, she also ignore the claims form which come from Northampton Bulk centre as it looked photocopied and she thought it was fake. At the same time her work colleague did the same.   Her work colleague went to stand as guarantor for her daughters loan and got refused, she has now found out that a CCJ has been registered two months ago, so my friends wife checked her credit file and has the same, from two months ago.   Both received claims forms and didn't fill them in. Neither of them have received notification of judgement however. I am right in saying still that they should of done and would of been given the opportunity to pay the claim within. month at that point and not have a CCJ permanently on their file. If this is the case, what is the way forward? Set a-side ?
    • EXHIBIT K   24th March 2019   Lowell Portfolio I Ltd 9 Savannah Way Leeds LS10 1AB   Dear Sirs   Your Ref: 196951198     MFS Portfolio Limited v Phelan West (2019) I write to draw your attention to recent successful appeal case regarding a personal current account with overdraft facility; the decision was made before HHJ Walden-Smith sitting at Cambridge County Court. In this instant case the Appeal court found the personal Current Account Overdraft agreement to be unenforceable pursuant to the Consumer Credit Act because of lack of evidence of compliance with the requirements of the OFT determination. It was also accepted that Creditors must comply with S 78 Consumer Credit Act 1974 requests relating to personal Current Account Overdrafts, not just credit cards and loans. In this case the Appeal court did find that MFS Portfolio Ltd had complied with the S 78 Consumer Credit Act request. If they hadn’t complied with the statutory request then the personal Current Account Overdraft would have been unenforceable pursuant to s.78 (6) (a) Consumer Credit Act.    In view of foregoing, I note that your company have failed to comply with S78 CCA 1974 therefore your claim is unenforceable. So it is in your own interest (and to save cost) that I demand yourselves to discontinue this matter with immediate effect, otherwise I would be seeking compensation awarded against your company through the court for my time and legal cost to myself for consulting solicitors for advise in defending this claim which I consider not valid since you couldn’t also substantiate it when ask to prove it.   Yours sincerely
    • Hi Micky,   The letter you sent was your Prelim Letter and you should send an LBA before issuing proceedings.   1. Who replied to your letter that was taken in to the Chingford store - eg was it the store manager.   I suggest you send your LBA to the store Head Office enclosing a copy of the original letter and give them a final 14 days to reply and refund.
    • I will just keep quiet. Hopefully it is something she has seen on a credit file. No ones pursued me yet so I will keep fingers crossed.   I feel after 12 years of being divorced these things should have been settled by banks and companies by now.   Like I said it has been so long I have no recollection of it.
    • Hey - thanks for the reply.   So yes they have entered the 6k claim, and I have chosen to defend it.  I think I have a solid case to argue it.   So if I argue successfully and say the judge does side me with the 2k option and I pay it within 28 days it will clear?   Alternatively.  If I fight it and lose, the full 6k will obviously be due....  Again, if I pay that will it be removed within 28 days?
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garmcqui

Victim of Future Energy Collapse...smart meters

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Hi all, we were Future Energy customers, before they folded last year.

Shortly before the collapse, they fitted our home with smart meters.

Now I was never happy with the gas meter and how it didn't fit in the existing box, resulting in the lid being left unlocked and open (see photos).

 

Now we have been moved over to a new supplier (Green Star Energy), I am wondering whether they are liable for rectifying the problem?

 

If not, who is?

 

Thanks,

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Hi

 

This seems IMO an issue with the actual Meter Box itself not closing fully, which sadly is not the previous nor new Energy Suppliers responsibility as the Meter Box itself is classed as the Property of the customer therefore the Property customers responsibility to repair.

 

As your previous energy provider has Dissolved if you wanted the meters moved you would have to request this via your new Energy Provider and they will more than likely class it as a Chargeable.

 

Have a look at this link a FAQ 'My meter box is damaged what do I do?': https://meteroperators.org.uk/faqs/

 

It does not stop you asking your new energy provider especially if you were a customer that was transferred to Green Star Energy after they were appointed by Ofgem explaining whats happened and the issue to see what they say i.e. whether it would be chargeable and the cost.

 

Future Energy customers: Your questions on new supplier Green Star Energy: https://www.ofgem.gov.uk/publications-and-updates/future-energy-customers-your-questions-new-supplier-green-star-energy

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Hi

 

This seems IMO an issue with the actual Meter Box itself not closing fully, which sadly is not the previous nor new Energy Suppliers responsibility as the Meter Box itself is classed as the Property of the customer therefore the Property customers responsibility to repair.

 

As your previous energy provider has Dissolved if you wanted the meters moved you would have to request this via your new Energy Provider and they will more than likely class it as a Chargeable.

 

Have a look at this link a FAQ 'My meter box is damaged what do I do?': https://meteroperators.org.uk/faqs/

 

It does not stop you asking your new energy provider especially if you were a customer that was transferred to Green Star Energy after they were appointed by Ofgem explaining whats happened and the issue to see what they say i.e. whether it would be chargeable and the cost.

 

Future Energy customers: Your questions on new supplier Green Star Energy: https://www.ofgem.gov.uk/publications-and-updates/future-energy-customers-your-questions-new-supplier-green-star-energy

 

Thanks for replying. The meter box was in perfect working order, complete with operating lock, before the smart meter was installed. The reason it doesn’t close now is because the smart meter fitted is not suitable for this type of enclosure, the meter itself is what is preventing the lid from closing. The meter installer also removed the lock so that he could fasten the lid down with a cable tie, all without permission. It is a bodge job.

 

Surely that doesn’t make it the householder’s responsibility?

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If the meter is faulty you can ask for a new one and it will be free. i suggest you tell the noco that you think that peopel ahve attempted to interfere with your meter because the lock is broken and the lid doesnt shut......

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Meter box is normally the responsibility of the meter operator and not the customer as normally they are fitted by MOP which is why they are sometimes locked. However it may be difficult to find out who fitted the actual box.

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