Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • A mobile phone mine while I was out watching the football with all the lads.
    • Hi,   Stumbled upon this website and I see the general advice is ignore CRS and that they can't do anything but thought I'd make my own post as I'm still anxious and don't want debt collectors to turn up at my parents home.   Facts: - Joined Xercise4less in June, 2017. I paid £11.99/m - Finished uni in July 2019, so I wanted to cancel membership as I was moving back home and the closest X4less gym would be 50miles away.  - I initially put in a freeze request (thinking it's to cancel). When I told my friend he said I need to fill in a different form to cancel the contract. - I was confused so I confirmed this with someone working at the gym. They explained even though my 12m contract has finished, in order to cancel the contract I would have to give 30 days notice using a form online and cancel my DD. - So I completed this online form that same week and canceled my DD a few days later.   * Fast-forward to 20th January 2020 *   - Received a letter (to my parents address) from CSR yesterday (20th). Asking me to pay £213.47 including their fee of £102.50. - I was at work when my parents send a pic of letter. Return address said HGC - a quick google search shows them as Hutchison Global Communications aka Three.  - What did I do next?  Since I didn't have the letter in front of me I asked my parents for the number & reference on the letter. - Then stupidly called CRS thinking its Three and it's regarding my recently cancelled phone contract.   What I told CRS on the phone: - When I found out it was about my cancelled gym contract I explained in detail several times how I correctly cancelled my contract back in July 2019 and I will not be paying the outstanding amount. I didn't even use the gym. I did say I may be open to paying the monthly fee. - Advisor said Harland got my freeze request but nothing else, no proof = you must pay or they will continue to purse me. He also said outstanding amount is not negotiable and me not using the gym is irrelevant. - I asked for Harlands contact details, CRS refused to give it to me because Harlands will not discuss this matter with me.   After 15mins of going around in circles, me explaining what happened and advisor saying I must pay, I finally I said I am not in the wrong here. I filled the form correctly, and it said 'submitted. If their system didn't receive my request it is not my fault and I cannot be held accountable for an error on their part. So I don't agree with the charges and will not pay it and ended the call.   Other info: - CRS said the charge of £213.47 is for membership from October 2019 - Dec 2019 + late fees + CRS fees. - Told the advisor I no longer live at the address they sent the letter to. He asked for new address and I refused to give this out, so they will add an additional £36ish for tracing my new address. - Apparently they sent several letter to my old address but I know they didn't because I still have friends living at that address who would have told me if anything addressed to me came through. - I believe the system didn't acknowledge my cancellation request since a freeze request was in place but that doesn't mean I owe them any money and definitely not £213.47.       Thanks in advance!      
    • Here are the above letters vanquis.compressed.pdf
    • This got me thinking. There are only 4 parking bays on the site. They charge 50p for 1 hour, £1.00 for 2 hours, £1.50 for  3 hours and £2.00 for 24 hours. Yes, £2 for 24 hours! How is this site profitable? Do parking companies run these types of sites with a business model that is focussed more on issuing PCNs that intimidate motorists who lack knowledge of the law into paying up?
    • Hearing of Boris' problems ringing Big Ben,  Jeremy K. Hunt; in an effort to ingratiate his way back into government; offered his services ....         He said he would offer to run the injured parties to hospital, as long as they had medical insurance  
  • Our picks

thenorms

SSE utility arrears. Mixed up meter readings

style="text-align:center;"> Please note that this topic has not had any new posts for the last 469 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I've been writing to and arranging plans with other creditors for several months.

 

I hadn't had a meter reading for some time and my electricity supplier have just presented me with a large bill.

 

So it seems my regular electricity payment hasn't been enough to cover our usage, so I need to increase that, but also now need to deal with the arrears.

 

Is this now a priority debt? Do I write to other creditors and reduce my payments to them?

 

cheers

Share this post


Link to post
Share on other sites

I have been in this situation, I was too scared to look at the £3k bills dropping on my doormat. Best to ring them up, see if they can spread it over 2 years, or even 3 to pay it off. Also it might be worth you asking, I think they have a scheme to write of debts for households who's fuel bills are 20% of their income.

 

Who are your other creditors? I think this is key, some others on here will have better information than me. Have you defaulted on your other creditors yet? If they have been sold on to a debt collection agency they may not even be enforceable?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Also under no circumstances allow them to steamroller you into PAYG meter. You will be paying it off until you are 120


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

You don't tell us which company you are dealing with. Also, how long since the last reading. Also what is the bill they have presented you with.

 

Most energy suppliers nowadays have a website where you have an account and you can enter your own readings. Have you not done this?


Share this post


Link to post
Share on other sites

It's with Scottish and Southern - SSE.

 

They had the meter readings the wrong way round for some reason, and every time a reading was taken they fudged it at their end to produce our bills and estimates. This had been going on since before we moved in 6 years ago.

 

I had got a bit behind with monthly payments and thought I had arrears of about £800. When I called them my meter readings made no sense to the agent so she went off and started an investigation.

 

When this concluded they gave me the good news that they had been doing it incorrectly and were writing off £10k of historic charges - dating back God knows how long.

 

The bad news is that they weren't writing off about £5k worth of more recent charges. We live in a draughty old farm and have pretty high usage with the animals and outbuildings.

 

Other debts I have detailed on another thread a few months back. Basically a bunch of unsecured loans, credit and storecards, about £30k worth.

Share this post


Link to post
Share on other sites

Are all the other unsecured loans still with the original creditor or have any of them been passed on to Debt collection agencies?

 

The reason I ask is because if they are already Sold on they might not be enforceable and you may not need to pay them anything?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Most of the debts are still with the OC. A couple are being handled through DCA's but I am not sure if they have been sold or if they are acting for the OC as a client?

 

Will any correspondence be specific about this?

 

Nothing is showing on file as defaulted, although one or two, such as MBNA are saying I've missed 5 or 6 payments now. I have paid them something, just not the requested amounts.

Share this post


Link to post
Share on other sites

You are going to need to be more specific. List each debt on here with company / or DCA , amount, age of debt, there are people on here who are more experienced than me who can weigh in on what to do on each one. Also nothing showing as defaulted? Some of these debts must be ancient.

  • Haha 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites
You are going to need to be more specific. List each debt on here with company / or DCA , amount, age of debt, there are people on here who are more experienced than me who can weigh in on what to do on each one. Also nothing showing as defaulted? Some of these debts must be ancient.

 

please follow this advice.

 

I'm going to move this thread to the utilities sub- forum and you should start another thread on this debt forum and begin by listing out all your debts – including original creditor, state of the debt at the moment, date it was incurred, whether or not you have acknowledged the debt or when you made the last payment – especially anything older than six years, whether there is any PPI, whether there are any charges for late payments et cetera associated with the debt.

 

It may be possible that some of the debt is unenforceable because there are extortionate and unenforceable charges – or else they are unenforceable because they are statute barred or else because they lack CCA agreements.

 

You need to take a holistic view of this.

 

We will ask you more questions about your utilities debt in the utility forum


Share this post


Link to post
Share on other sites

Please can you tell us more about the meter mixup. Also, you say that they have written off £10,000 but there is an outstanding £5000. Can you tell us the period to which this £5000 alleged utilities debt refers.

 

Can you tell us how often they have taken their own meter readings based on the meter mixup. You also haven't commented on the fact that you could have taken you only to readings and entered them into your own account webpage.

 

Can you tell us the history of the dispute and how it you eventually had it resolved. What have you had from them in writing admitting that there was a mixup with the meters – and what date?


Share this post


Link to post
Share on other sites

I had no idea that the day/night switcheroo was a thing.

 

I have now dared to have a look at the revised bill on my account, all 26 pages of it. I always find these bills a bit difficult to follow, but it appears that since 2013 they have credited an amount off each bill, and introduced a revised amount, which all add up to the total that they are asking me to pay.

 

I'm certain that the first person that I spoke to in customer services, who instigated the investigation/complaint on my behalf, told me that I need not worry as I wouldn't have to pay for their error.

 

And another CS individual advised me at a later date that I wouldn't have to pay for anything older than 12 months.

 

It certainly looks to me as if they are billing me since 2013.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...