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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 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
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
Sobeyfox

Need Advise about ScottishPower

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I just moved into a council property

found 3 letters addressed to the ‘Owner Occupier’ .

 

The dates on the letters are weeks before I was even given the keys or moved into property latest letter date 20th April. 

All 3 letters are for outstanding amount owing to ScottishPower.

 

On the letter it states if amount not paid they will issue defaults or send baliff to the address..

I have called SP and advised that I just moved into the property and letters are not for the now new Occupiers of the home.

I was advised by an agent that SP will put a default to the address..

 

I have advised the council but honestly don’t think they care or will do anything.

 

Is what SP advised possible? 

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Debts are owed by a person and not an address.

 

So Scottish Power are just saying that they will make a note of a billing issue at the address. I suspect some people phone energy companies saying that they have moved from an address, when they are still living there, to try to avoid debts. So this might be why they have mentioned default at the address etc.

 

You should just be able to register the supply in your name with a supplier of your choice. When you do this, you will supply all of the details requested including any meter readings. Your energy supplier will register this change on a central database and Scottish Power will see that another person has taken on the supply at the address. Scottish Power should then search for the debtor and chase them elsewhere. 


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think you must have heard a few things wrong....

because they cant send bailiffs around at all.

and if you are thinking that because they said a Debt collector and they are the same thing 

you are sadly very wrong.

a debt collection agency  [ DCA] has ZERO legal powers and are NOT bailiffs and beve ever can be.

 

pers id just ignore SP, there is nothing they can do to you.


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Give them the date you moved in and  what the meter reading was when you moved in.     As DX points out they cannot send bailiffs without a Court Order from a CCJ but if not in your name sticky wicket for them.  but  they might be silly enough to try to get a warrant to enter and put in a pre-pay meter to recoup the previous tenants arrears SP have form for that trick   They would be very silly to try that in the name of The Occupier, as your dated tenancy Agreement would put them in a very bad light if they did that. Unclebulgaria's advice about supplier of your choice is good, you don't have to accept SP as your supplier.


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 OTHER

 

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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1 hour ago, unclebulgaria67 said:

Debts are owed by a person and not an address.

 

So Scottish Power are just saying that they will make a note of a billing issue at the address. I suspect some people phone energy companies saying that they have moved from an address, when they are still living there, to try to avoid debts. So this might be why they have mentioned default at the address etc.

 

You should just be able to register the supply in your name with a supplier of your choice. When you do this, you will supply all of the details requested including any meter readings. Your energy supplier will register this change on a central database and Scottish Power will see that another person has taken on the supply at the address. Scottish Power should then search for the debtor and chase them elsewhere. 

Thank you appreciate the advice:-)

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1 hour ago, dx100uk said:

think you must have heard a few things wrong....

because they cant send bailiffs around at all.

and if you are thinking that because they said a Debt collector and they are the same thing 

you are sadly very wrong.

a debt collection agency  [ DCA] has ZERO legal powers and are NOT bailiffs and beve ever can be.

 

pers id just ignore SP, there is nothing they can do to you.

Thanks for the advice. Guess the agents need training with some of the things they say. Plus I’m new to all of this. Appreciate the insight :-)

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5 minutes ago, brassnecked said:

Give them the date you moved in and  what the meter reading was when you moved in.     As DX points out they cannot send bailiffs without a Court Order from a CCJ but if not in your name sticky wicket for them.  but  they might be silly enough to try to get a warrant to enter and put in a pre-pay meter to recoup the previous tenants arrears SP have form for that trick   They would be very silly to try that in the name of The Occupier, as your dated tenancy Agreement would put them in a very bad light if they did that. Unclebulgaria's advice about supplier of your choice is good, you don't have to accept SP as your supplier.

I have given them that info. Thanks for the advice it has all been helpful & will keep the forum up to date.. 

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also use a price comparison site to find the best deal for your energy adn switch asap. If they try and prevent the migration because fo someone else's debt you will have them over a barrel

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1 hour ago, ericsbrother said:

also use a price comparison site to find the best deal for your energy adn switch asap. If they try and prevent the migration because fo someone else's debt you will have them over a barrel

Funny thing is the previous tenants had already switch from SP as they had stated in the letter and they are NOT my energy provider either.. pure stress they are. 

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