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    • So here is where things stand at the moment (sorry it's a very long post!):   I moved into this property in November.  I contacted both my electric and gas suppliers to change address and get my accounts moved over.   Electric - I closed my old account from my previous address, opened a new account for this address, set up a direct debit and requested they become the supplier.  The only thing that was outstanding on the account was a discussion about tariffs.  On 21st November they tried to call me but I didn't answer (judging from the time I was probably driving home from work).  I received a payment from them at the end of November from my previous account (which I clearly didn't check as I thought it was money going out for my direct debit).  I incorrectly assumed the call was about tariffs, which tbh, I'm not really fussed about. Their request to become the supplier was rejected but they didn't follow up on it or try to contact me again.  So I, like an idiot, thought it was all sorted out.  It's only now that I've been through my account that I realise they haven't been taking payments. I have spoken to them since Friday and the above is what they have told me has happened.   Gas - I closed my old account and have been trying to get a new account opened since November.  I have had several discussions with them re: the change request being rejected and they didn't know why it was being rejected but to leave it with them.  They told me at the beginning of this month it would be done by the 21st January.  During this phone call they said I could call the current supplier to make sure it goes smoothly but that it wasn't essential as they expected it to be completed by the 21st.  Last week they sent me a final demand for my previous address.  I contacted them to raise a complaint as I thought they were at fault, as I expected it to have been changed as per the above.   I spoke to them on Saturday and have sorted out my final bill and they have advised me to open accounts with the current supplier, Spark, clear them and then I can switch. Interestingly they also told me that Spark went bust in 2018 and it is a company called Ovo who are on the national database as the gas supplier.   Spark - This is the company who changed the meters on Friday.  I have two letters (one for gas, one for electric) that were left with the smart meter they had plugged in in the kitchen, both addressed to the previous tenant.  I obviously did open these on Friday.  Both letters state that they had changed the meters to prepayment meters.  There are several boxes that list current debt, amount of credit on meters etc none of which are filled in.  They also state that a booklet has been left explaining how the smart meter works.  There was no booklet. When I contacted them on Friday they told me that I was in fact on credit meters (I don't know if they changed this remotely when they realised I wasn't the person with the debt).  They also told me they had every right to enter the property and aren't able to check every time who the current occupant is and I should have told them I'd moved in.  I was told that someone would call me at 1pm on Saturday to discuss my complaint, thus far no one has called me.   I spoke with citizen's advice yesterday who really weren't much help tbh.  They said I should have contacted the current supplier when I moved in and provided a copy of my tenancy agreement.  I've moved A LOT over the years and have never had to do this.  I have checked several energy supplier websites and they all state to switch to them or move home simply to contact them and they will basically do the rest, not one of them states that you need to call the current supplier... obviously, on reflection I really wish I had!   My letting agent/landlord have requested that I take any post for the previous tenant to them and they will return it.  They also want confirmation of what type of meter (prepayment or credit) is now in the house.  The locks were changed when I moved in so only myself, the letting agent and the landlord have a key.  None of us let them in on Friday.     My next step is to open accounts with Spark/Ovo, clear the balances since November and then change suppliers.    All of the above have advised me to follow Spark's complaint procedure which I will do but as I said above they haven't contacted me so far re: the complaint I made on Friday.   Should I also contact Marston's to raise a complaint with them?   Whilst in all of this I do appreciate I could have done a fair bit to have made my life easier and probably prevented this happening (hindsight is wonderful!) my main complaint is that neither Spark nor Marston's felt they needed to perform a very simple check and see who actually lives in the property before breaking in.  I cannot for the life of me see how this is acceptable or legal.  Whilst they had the legal right and a warrant to enter the previous tenant's property as far as I am concerned they had no right to enter mine.    
    • I am in the process of looking on the land registry and it's showing on there alongside Lloyds bank,am going to look at deeds aswell  
    • Just a note that these appeal Trade Associations, are bodies these fleecers belong to so they are allowed to operate, appeals almost always fail, and by appealing important protections under POFA are lost as the appeal almost always identifies the driver.  Irrelevant in your case as you own the space, and the PPC have no rights in law over it.  POPLA appeal could also fail as POPLA wouldn't look at primacy of contract and the fact you own the space so can tell the PPC to Foxtrot Oscar. Whole Private Parking Industry is a money machine for unscrupulous ex cowboy clampers.
    • If you have insufficient evidence to support the claim, it is very difficult.   No point going to any Personal Injury Solicitors, as they are going to ask you questions to determine how easy it is to win compensation and for them to earn money.    Given lack of evidence and that you are unlikely to receive help from those who just seek to earn from the incidents, I can only suggest that you write to the HR Director/Manager to make a complaint. Do not say anything about looking to take them to Court for personal injury.  Stick to the facts about what happened and the way it was dealt with.  Ask for copies of the incident/accident report forms that should have been completed by the line manager responsible.
    • My point was that the fear being generated is disproportionate to the current threat. Initial under reporting of cases gave an inflated picture of the percentage death rate and images of cities in lockdown do look like a disaster movie so I understand why. This article is worth a read for some perspective. https://www.theguardian.com/science/2020/jan/27/what-is-coronavirus-symptoms-sars-china-wuhan          
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nacro

been with Money Plus formally Debtfreeme for years - now CCA time!!

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Hi

I am new to the site and just learning how to navigate the forums.

 

Hoping I am now in the correct place to get some helpful advice.:?:

 

I have 4 very historic debts being managed for the past 6-7 years by CABOT and 1 with PRA.

 

In the past few weeks,

I requested a CAA and SARs from both which was a very revealing exercise.

 

Low and behold:!:

CABOT replied saying they could not find CAA for 3 historic debts so these are unenforceable but that I should continue with my monthly payments to my DMC.

 

PRA replied very differently saying "current accounts do not require credit agreements and therefore no credit agreements have been set up when opening the account".

 

How can these 2 Debt Companies behave and respond differently:?:

I now plan to stop monthly payments to CABOT and would like your advice if there will be consequences!

 

I am currently 70+ in poor health and want to be debt free in 2019:!:

I have also sent GP medical and Cardio reports to both companies but did not receive any compassionate response:sad:

Many Thanks for any advice and direction given.

 

nacro:help:

Edited by dx100uk
spacing

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It would be helpful if you would space out your posts a bit more. It is quite difficult to read blocks of text on a screen and it tends to discourage people from getting involved and giving their help.

 

Thanks


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spaced for you.

 

theres little point in ever sending an sar to a DCA..

 

pers id stop paying everything.

 

you say DMC, I hope this is not one of the fee paying ones is it?

cash cowing even more money out of that I doubt ever went off the debts and paid for everyones xmas parties all the years you've been blindly using them to pay their mates they often worked for in the various DCA's.


..

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For the ones with cabot. stop paying and ignore them. If they cant get the CCA then theres nowt they can do


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks, Cagger and renagadeimp

Very helpful advice on both accounts and just confirms what I was planning to do with CABOT. Was less sure about PRA. The SARs sent to both has proved useful as it exposed a number of admin irragularities with both which could be useful and as a back up if any further action is taken.

 

 

nacro :amen:

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Money Plus formally Debtfreeme....and paying £46 per month. Unfortunately when I first got into debt knew very little about similar consumer groups as youself!

nacro

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Ditch the DMP now. That money is wasted and could be used for legit debts. They wont care if those debts are enforceable or unenforceable. They just want your money.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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yep dump them NOW

just stop paying them.

send them an sar too!!

there will be a hidden pool they've taken for a full and final settlement pond that you didn't even know about

in all truth its their daily drinkies money

you want evidence of that

but DO NOT TELL THEM WHY YOU WANT THE SAR.


..

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Money Plus formally Debtfreeme....and paying £46 per month. Unfortunately when I first got into debt knew very little about similar consumer groups as youself!

nacro

 

 

If this is the same company, I would dump them now. Check out their fees. Extortionate I feel

 

http://tinyurl.com/ya2uw7qm


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49% of the monthly payment for their own pockets? scandalous


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you all for this helpful advice which has now given me the confidence to stop all current payments.

 

I have already got a SARs from both CABOT (showing one of the debts had been written off last year due to being a vulnerable person!!)

However when I read the PRA SAR I noted a discussion in the debt team which made an assumption re one of my Bank Statements saying

"I appeared to have other income posssibly from a rented source" when in fact I had got this from extra work income during that time...

 

.when pointed out they apologised but is this good enought and professional when discussing vulnerable debts?

 

nacro

Edited by dx100uk
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they have no business having nor discussing your pers details.

 

dx


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thanks...especially when they get it wrong/false assumption....can this be reported or kept as "dry powder" for use if needed later on?...so SARs can be very very useful

 

nacro

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Ta....will do and keep you updated.

Also when I sent my GP and Cardio reports to both CABOT and PRA which was turned down so I asked that a competent medical person assess these. This again was turned down saying "this was not needed as team was experienced in these matters"..should we be campaigning for this to change from experienced amatures to medical professionals doing Health Aassessments?

 

nacro

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they are not interested no campaign will change their attitude, if there was this would of happened decades ago, they refuse so keep their refusal letter safe


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

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Ta....this managing of debts seems to lack real transparency....competency of staff/admin errors/how final decisions are made etc and to think firms like CABOT wanted to register on the Footsi 100 last year:-x

 

nacro

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all about sick money men, the evil of the world/businessmen/governments MPs etc not allowed to say dictatorship ooopppsssss zzzooommmm


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

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Debt collection agencies work purely on numbers-nothing personal. They will buy a portfolio of debts for pennies on the pound. If a debt is newer [say, around 18 months old] the buyer will pay more than for debts nearing a six year old mark.

Other companies will buy debts that are being repaid to the original creditor and are fairly sure that the repayments will continue under the new company.

 

Some companies have a welfare department who will listen to debtors and make decisions based on that (and written evidence) whereas some others don't bother at all-it's all about the numbers.

 

It's no wonder that debt collection agencies make good profits once the facts are known.


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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks, Silverfox for this information and education as I am now beginning to understand better how these debt collection agencies work esp how they assess and price debts older then 18months. As most of my debts are 7plus years they must have bought them for very little so currently making a nice profit from my distress:violin:

I am afraid the welfare depts in both PRA and CABOT were not very sympathic in my case even though I sent GP and Cardio reports. Do you know if there is cut off time for debt collection. In my previous life I managed a number of homeless exoffender hostels and every year it was our custom to write off all bad debts and begin anew in the new financial year!!

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" Welfare depts in both PRA and CABOT were not very sympathetic in my case "

 

Welfare Depts...and Debt Buyers...think you you need to read a bit more :wink:


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agreed but where would be a good place to start to read and learn. Because of my own debt situation, I am now intrigued as to how this debt industry functions with the buying and selling of debts (peoples distress) as if these were just another comodity like a tins of beans or better still toilet rolls:sad::sad:

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biggest financial industry there is the buying and selling of debts portfolios.

if everyone stopped paying DCA's the whole industry would collapse tomorrow.

 

nothing better than our search cag box here nacro.

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