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    • Defence submitted. On my clear score report there doesn't seem to be any date of default noted, nor can I see where that might appear. When they responded to my CCA and CPR requests they didn't give me a default date either. So, what happens now? Is it likely that I'll actually have to go to court over this?
    • Hi Andy, thanks for the reply. I guess I will need to get copies of the agreement to check that, which may take some time.   What do you suggest I should I do in the interim, as I'm conscious the clock is ticking on needing to AOS?
    • Hi everyone    ive had a card in an envelope hand delivered today from Resolvecall asking me to contact them urgently.   i want to ignore it but I’m not sure that’s the best thing to do?   i had some issues some years ago which have now all been resolved to my knowledge. Anything that I may have overlooked will be way over 6 years, I now have a very healthy credit rating with nothing on any of my credit files.   I have no idea what these people want and this is the 1st contact.    can someone point me in the direction?   thanks    mike 
    • I've been reading up on cases, especially the HSBC vs. Carey. Am I missing something?  It appears to be the conclusion that the decisions in this case meant that regardless of what date  credit agreements were entered into, a claimant no longer needs to produce a signed copy - or even original copy.  It appears that a reconstituted copy of agreement is acceptable by a court and any judge that seems to be swaying towards using it as a reason to find against a claimant could easily be reminded or prompted by their solicitor.  How do I defend my case to be any different?  It will clearly be a case of :   It looks like you probably had a credit card. They've produced a copy of original agreement and added your name and address - so that's good to go. They've got a statement showing a balance outstanding. Therefore, game up - why are you even bothering to defend?     I am working on my "Formal defence"    Can I just ask for some "bullet points"   So far - my main arguments will be that the requested "credit agreement" is not a credit agreement - it is a barely legible application form - which does not bear any account numbers which correspond with the statements produced by the claimant nor match the agreement number included in the original claim (POC).  Secondly, as helpfully highlighted by DX, their WS is relying on a screenshot of "the claimant's predecessors system screen" to show that a default notice was issued on 08/06/2010; clearly there is no copy of said Default notice. Other items I have up my sleeve - should I include? - are the discrepancy in the amounts owing between the Assignment notices - Lloyds stating a figure in excess of £6k (dated 29/6/19) and a letter from Hoist informing me of this assignment but stating an outstanding amount of £4.5k (the amount of the claim).  Clearly, the lack of reference numbers - i.e. their claim does not match the 16 digit credit card number shown on the numerous statements they have included in their WS. And do not match a number shown on the blurry application form. Also, the application form is dated 1998, the first statement they provide is 2010 - can I use this gap/lack of evidence in my favour? I notice on my "illegible" application form there was a reference to "credit card payments insurance" (I assume this is PPI) - during my research, I'm sure I read that any t&c provided should also include this - I notice their seven added pages make no reference to PPI - which even if I didn't take it out would surely have been needed to be included?   So - just to summarise - is it the "poor quality credit agreement"; the fact that they haven't even declared that they are producing reconstituted copies of t&c and the lack of default notice having been issued - well lack of copy?   On the flip side - where do I stand in terms of the payments I was making - allegedly to this account - via Robinson Way? Is that a case of acting dumb/naive?   Thanks very much everyone.   Barafear.    
    • it sometimes takes a good while for all related entries to be removed.   dx
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I was sent a demand by email from Octopus for over £500,

immediate payment,

which they say is what I owed to Iresa,

I've no idea who octopus are bit they're quoting ofgem and all sorts,

 

they reduced it to £400 when I queried it,

they are saying I was underpaying Iresa!

What's going on?

 

Octopus have threatened me with collection agency already!

I had a DD taken out of my bank yesterday to IresaOctopus for the usual monthly payment I was making to Iresa,

should I cancel this DD?

 

I know I need to check back and see exactly how much I've paid to Iresa,

I know they took extra out of my account in January to cover underpayments over the year,

and I'm going to book an appointment with CAB,

 

atm I'm on holiday and worrying about this!

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a DCA is not a bailiff and is totally powerless


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Single Premium PPI Q&A Read Here

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cheers, I'm on holiday atm and worrying about the emails I'm getting demanding hundreds of pounds.

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did you opt for an online only account?

if not block and bounce their emails and emails ad


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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The CAG Interest Tutorial Read Here

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I got an email saying Iresa, my energy supplier, was going bust and Octopus were taking over.

 

I've been sent a demand by email from Octopus for over £500,

immediate payment,

which they say is what I owed to Iresa.

 

I've no idea who octopus are but they're quoting ofgem and all sorts.

 

They've reduced the demand to £400 when I queried it,

They are saying I was underpaying Iresa!

 

Octopus have threatened me with collection agency already!

 

I had a DD taken out of my bank yesterday to IresaOctopus for the usual monthly payment I was making to Iresa,

should I cancel this DD?

 

I know I need to check back and see exactly how much I've paid to Iresa,

I know they took extra out of my account in January to cover underpayments over the year.

I'm going to book an appointment with CAB,

 

atm I'm on holiday and worrying about this!

 

Any help appreciated.

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afaia all Iresa accounts were online only. That was my first thought, to insist they write to me by letter, not email.

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thread moved to utils forum

post tidied

 

redact the emails of pers info and post them here please

then the experts will begin to help when they see the thread

 

pers I would sent them ONE email reply

stating please WRITE to me not use email

this email address is NOT to be further used for any communication regarding the inherited account from Iresa.

 

I am aware you have inherited this account due to the Ofcom decision to close Iresa, I dispute any outstanding balance

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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" Hi Andy,

 

Sorry if you feel pressured by us to make a payment - we absolutely do not expect you to pay any outstanding amount in one go. On clicking I agree, you can choose to have the debit transferred to your Octopus account. We can then discuss setting up a payment plan which you're comfortable with, or temporarily increasing your direct debit to pay off the debt over time.

 

To reassure you, I double checked the bill and based on the readings you gave, the overcharge is around £52, so we're prepared to lower the outstanding balance to only £400. We need to make sure that people are paying for the energy they've used, but we don't want to chase false debt, and it would be unfair of us to ask for the full amount simply because Iresa failed to conduct a payment adequacy for your account.

 

Best,

Anthony "

 

 

 

they are now offering to take on the debt (?), and offering me to pay it up, I've replied; thank you for your reply.

Please write to me regarding this issue, I do not want this email address to be used for any communication regarding the inherited account from Iresa.

I am aware you have inherited this account due to the OFGEM decision to close Iresa. I dispute any outstanding balance.

Edited by Andyorch
Quotations and italics added

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They've no agreed to take on the debt (?) and saying that if I agree they'll sort out a repayment plan. I paid extra to Iresa in March to cover underpayments so don't know how they come up with their figure. I've emailed them asking them to write to me.

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Sar time me thinks?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Greetings I too am an ex-Iresa customer, fortuately for me the transfer to Octopus Energy went

without issue, however my Direct Debit is to Iresa is still active and was paid on 10th of the month,

the extra Direct Debit to Octopus Energy on 20 August never happened, and finally after the switch

was completed to Octopus Energy they said that my Iresa acount was shut-down,

when in fact my Iresa on-line account is still active, even today.

 

Why don't you log-in to your Iresa Energy online account and grab the data!


Andrew

ASI Industries = As i in does tries!

 

As i in does tries!: My definition.

I will try, i may never succeed in the goal, but at least by trying i have a greater chance of success than never trying at all!

 My opinions are my own & occasionally may offend, but it is not my intention to cause offence in the first place!

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Hi Andyddg

 

I was also with Iresa, and am in the same position as yourself, when I received my final bill, my gas consumption for July was 1400 cubic meters, I don't us that in a year!.

 

I clicked on the disagree button and supplied them with my meter readings for Gas & Elec, and also queried the electric readings as I have had a smart meter fitted and have solar panels, yet according to the meter I have used 1200KWH in 40 days, something not right there, and have been informed that the meter may not be set correctly and is charging me for power generated as well.

 

In response to the bill they have sent me an offer of £97 ish, but haven't attached any bill or breakdown of how this was arrived at, so I have requested it and also asked where my payment taken in August has gone?

 

My Iresa account is still active, and I have downloaded the last 12 months of bills, if you can do that it will give you an indication of your consumption and allow you to compare what they are saying you have used, and also give you the ammo required to challenge them.

 

As for the DCA threat, I think it would be a foolish move on their part whilst the final bill is in dispute.

 

Hope that will help you in some way.

 

Paul9

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dca's are powerless

they are not bailiffs and have zero legal powers

what do ofgen say about all this?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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ofgem are having a look for me.

 

I've logged into my iresa account but I'm not so sure the figures there are correct, I'll need to work out how much electric I used and then work out how much is owed.

 

Octopus have created an account for me and it just shows the last DD payment.

I've cancelled the DD and told Octopus to write to me about this issue.

 

In the mean time I don't know how much Octopus are going to try and charge me, and I want to switch as soon as possible, they did send an email saying my Octopus account was up and running from the 21st and I could now switch, but I'm thinking if I do switch now it'll only complicate matters more.

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after me asking them to write they've emailed asking me to agree or disagree with their offer. I get the feeling they're trying to rush me.

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block and bounce the email

 

you did tell them writing only not by email before?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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yes, they've included my previous emails in this latest one. I think switching would be the thing to do atm and let them chase me for the money owed, any opinions appreciated.

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Yes i would


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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only thing stopping me press the switch button is that then they'll demand immediate and full payment for whatever is owed to iresa. Whereas if I stay they'll let me pay it up.

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pers I don't think they'll do that.

 

would be very bad publicity for them if they made you pay it off in one go

IF you owe anything:wink:


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I got another email demand from them, again threatening me with collection agency if I don't pay.

 

When I click the button to dispute the claim it simply gives a message that it's already disputed.

 

I switched to another supplier, and asked them to write and not use my email address.

Ogem haven't responded at all.

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post 16 did yo not action that?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Have you been able to agree the meter readings since Octopus took over?

 

Do you know how much you paid Iresa in the time you were with them?

 

You should be able to broadly identify how much you used, how much you paid & how much is outstanding - if anything.

Edited by dx100uk
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I told them not to email me, I haven't blocked their email address yet.

 

interesting that they're saying they're a paperless company and therefore don't send out any letters, they want to phone me though.

Edited by dx100uk
merge

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then get on with blocking an bouncing their emails and the AD used.

writing only

you need a papertrail to bash them with.

 

email is cheap and free to send out whatever rubbish they like.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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