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    • Anglian Water (although others may be culpable).   Some time ago users of this forum complained about the level or proportionality of standing charges on fuel bills.  The feeling was that 25% standing charge would be acceptable against the unit cost.  Anglian Water in Essex, responsible for sewage removal,  charge around 80% of a bill for this, my last account was £10 unit cost against a £44 standing charge.  Anglian claim that this is due to infrastructure issues and that my area is sparsley occupied.    Southend on Sea has 160,000 residents, hardly sparse, and infrastructure issues are their problem, not mine.  Anglian is also responsible, according to Environment Agency, of contaminating sea water in my locale.   If there is no legislation regarding the proportion of standing charge to unit cost, there certainly should be !  Any advice ?   (There is a wider issue of charging through third parties that could be taken up seperately.)
    • So - I continue to not pay any more?  Until they respond with the info I have asked for?
    • Hello and welcome to CAG. I'll move your thread to the Residential and lettings forum and leave you a link to follow from the Welcome forum.   I'm sorry to hear about your neighbour problems, people should be along to advise later.   Best, HB
    • Your only hope is asking for discretion on the grounds of well you didn't realise you had to pay online you expected a toll booth, you didn't see any sign of any penalty charge amount and basically it's your first time using this toll bridge and you were unaware of the process,.   In the past, for 1st time offence, Merseyflow have responded rejecting the appael but on this one occasion have reduced the penalty to the toll fee.   You might be lucky.
    • Yes, Manxman has put you on the right track.   You need to perform a Statutory Declaration (to declare, on oath, that you knew nothing of the court proceedings against you). You must do this within 21 days of learning about your conviction. You can either do so at a Magistrates' Court for which you will need to make an appointment. They may not be able to fit you in within 21 days but so long as you explain to the court that it was the earliest date available they will accept your declaration. Alternatively you can make the declaration before a solicitor. They may charge you a small fee (£5 - £10).   Once this is done the conviction you have (for failing to provide driver's details) is set aside. The prosecution will almost certainly start proceedings again and in many areas they are now doing so immediately following your statutory declaration. Ideally it would be best if you could see the prosecutor before the court sits (ask when you check in at reception) and offer to plead guilty to the speeding charge provided the FtP charge is dropped. It is a common deal which is usually readily accepted. Under no circumstances should you plead guilty to either offence until you have had the chance to discuss this deal. If the deal is refused you should maintain Not Guilty pleas to both charges. They cannot convict you of speeding (they have no evidence you were driving) and the trial for FtP will be held at a later date. You can then consider your position for that offence.   If they do accept your offer to plead guilty to speeding you might try asking if you can be sentenced at the Fixed Penalty level (£100 and three points) provided the speed is low enough (let me know the speed/limit and I will tell you if it qualifies).. Magistrates have guidance enabling them to do this which says this:   Where a penalty notice could not be offered or taken up for reasons unconnected with the offence itself, such as administrative difficulties outside the control of the offender, the starting point should be a fine equivalent to the amount of the penalty and no order of costs should be imposed. The offender should not be disadvantaged by the unavailability of the penalty notice in these circumstances.   But first things first - make arrangements to do the Stat Dec.
  • Our picks

    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
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Satsuma - Early Settlement in arrears.

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Hi,

I’m trying to help someone out with their finances and she has a loan with Satsuma that she has never made a payment on!

Details of the loan are:

Satsuma Loan
Issue Date: Sep 2018
End Date: Sep 2019

Amount: £900  
Repayment: £1792.80 (12 x £149.40)

 

Rate of interest that applies to the credit agreement: 99.20% per annum (fixed)
APR 315.7%


Balance: £1792.80 
Arrears: £896.40
 

I’ve spoken to them on her behalf and requested a settlement figure.

 

They have quoted a Settlement figure of £1,602.02 (for settlement 30/04/19)


To me this does not seem correct, I questioned this to be told it’s a system generated settlement and that they could not provide me a breakdown of how this is calculated.

They said that I can check how it’s calculated by going to this site:

http://www.legislation.gov.uk/uksi/2004/1483/schedule/made

Can anyone tell me if this figure is correct, as I can follow the information on the link.

I was thinking it would be no more than £1500?

Thanks in advance

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