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    • You won't get a reply.  They will either take you to court or silently slide back under their stone - hopefully the latter!    Even if you hear no more keep all the paperwork, they have up to six years to bring a claim.
    • CST law are just a new kid on the block use our search top right    BW PCN snotty letter ericsbrother   dx
    • gym debts dont show on credit file gyms dont do court a DCA is not a bailiff and has zero legal powers on any debt no matter what it's type dx  
    • lack of default notice is FATAL to any court claim    from my notes   Default notices, litigation and section 127(3) of the Consumer Credit Act July 2010 .  For a creditor to enforce a credit agreement against the debtor,  he must serve the latter with a default notice,  this notice must be served in accordance with section 88 of the Consumer Credit Act 1974 (CCA). .  Generally, the prescribed form of a default notice according section 88 is as follows: .  "The default notice must be in the prescribed form and specify .  (a) the nature of the alleged breach;  (b) if the breach is capable of remedy, what action is required to remedy it        and the date before which that action is to be taken;  (c) if the breach is not capable of remedy, the sum (if any) required to be paid as compensation for the breach,       and the date before which it is to be paid." .  Section 127(3) of the Consumer Credit Act 1974 .  Should the debtor be sued for the outstanding amount,  it may be open to the debtor to raise an argument that the agreement is unenforceable  because it does not comply with the requirements of the Consumer Credit (Agreements) Regulations. .  Agreements executed before 6 April 2007 are subject to sections 127 (3) & (4) of the Consumer Credit Act 1974 ('CCA').  Agreements entered into after that date are not by operation of the repeal under the Consumer Credit Act 2006. .  The effect of sections 127 (3) & (4) truly displays the paternalistic nature of the CCA, in that where a breach of a prescribed term under regulation 6 and schedule 6 to the Consumer Credit (Agreements) Regulations 1983 is found, the agreement as a whole will be irredeemably unenforceable. .  In other words, the lender cannot enforce the agreement or realise any surety under that agreement; the debt in effect is written off. .................   as for NOA.. if it can't be proved under the law of properirs Act that Cabot own the debt  they can't demand any money.   bit like your neighbour lending you a tenner, but he also owes his other neighbour a tenner so says well now go chase you for..        
    • £62k? multiple debts from Vanquis...  Christ... I feel a violent rage coming on... I also feel IRR Lending complaints coming on.  But if the debts are not with the OCs then its likely he might beable to claim compo etc from the companies.    It is a mess. Is he willing to engage more with you Snowdrop or come online to us?
  • Our picks

    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
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    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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Another small supplier has gone bust - Our Power - who were backed by the Scottish Government to the tune of £6m. 38000 customers are now looking for a new home.

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Another small supplier has gone bust - Our Power - who were backed by the Scottish Government to the tune of £6m. 38000 customers are now looking for a new home.

 

That's who I am with. Never had a problem.

 

Such a shame, Ofgem say to sit tight and they'll choose a new supplier to move me to.

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That is what Ofgem always say, however they have no say on what "contract" you are moved to. Be aware the chances are it will be nowhere near anything you would sign up to yourself.

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That is what Ofgem always say, however they have no say on what "contract" you are moved to. Be aware the chances are it will be nowhere near anything you would sign up to yourself.

 

True indeed, but OurPower was consistently the cheapest whenever I tried to compare; I'm under no illusion that whatever tariff and supplier I end up on by default through the Ofgem switch.

 

Similarly, there's no guarantee that by me moving now I won't end up on a more expensive tariff than the one Ofgem arranges.

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take a meter reading now so you can argue the toss over how much you owe to the administrators of Ourpower and how much to whoever picks up the business before you move to your choice of supplier. you should start looking now.

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For info, Utilita is the supplier Ofgem have chosen to take on Our Power customers.

 

Aren't they a 'compusory smart meter fitted else they'll charge you more organisation?


Handcock alleges there are 240,000 tests every day - Yet figures show only 60-80,000 people a day are tested

... So whats happening to the other 160,000+ tests a day?

 

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement Border + Visas to access Kent?

£192 million pounds a week - The cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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I think they are one of the 'you have to have a smart meter' as well as apparently being one of the suppliers officially warned about customer service - which takes some doing.


Handcock alleges there are 240,000 tests every day - Yet figures show only 60-80,000 people a day are tested

... So whats happening to the other 160,000+ tests a day?

 

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement Border + Visas to access Kent?

£192 million pounds a week - The cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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