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    • There have been significant developments today, and unfortunately, they are not good.   Firstly, myself and other people that have looked at and contributed to this thread would have assumed that Lowell would have discontinued, after taking it right to the wire, however, this appears not to be the case.  It looks like they are going for it big style.   Secondly, I was reading the threads last night, a credit agreement exactly the same as mine was taken to Court and a Judge said it was enforceable and the defendant lost the case.  That knocked the stuffing out of me quite a lot.   Thirdly, and most seriously, I was having a word with my line manager at work (who is also a good friend) this afternoon.  He told me (off the record) that I was putting my job at risk if I lose the case.  Apparently, anyone who gains a CCJ is duty bound to declare it and disciplinary proceedings will follow.  I do not work in the financial sector where I know this is commonplace, but I work with confidential and sensitive information and was told that my employer will think that I am vulnerable to bribery and corruption.  Apparently they will take defaults into account, (I did have a couple of defaults when I first started), but a CCJ is a big no no.  I did not know this as I would not have let things get anywhere near this far.  I was told to get this sorted ASAP.  My stress and anxiety levels are now through the roof.   How I wished now I had just arranged that damn Tomlin Order with them a couple of weeks ago.  If I knew then, what I know now, it would have been a "no brainer".  I do not want to gamble with my job. Where I live, jobs are very hard to find.  I could end up jobless and homeless for just one "appointment" with the Judge.  I simply cannot take the risk.   So where do I go from here?  Is it too late to go for the Tomlin Order as the hearing is on Friday.  It would solve all of my problems at the moment and help me keep my job and my home.    I have no savings, no property and my reasonable expenditure is just about my income, so they could not get much out me.  Perhaps £10 a month is the maximum I could afford.  I feel now I have burnt my boats and I am at their mercy.  I absolutely hate them with a passion.  But I also hate myself, as I should have researched fully the consequences of my job.   Is there any way I can sort this mess out before it's too late?  Any ideas would be most welcome.  
    • Did you sign a personal guarantee? Have you a copy of the ccj? is it in your name or the ltd company name?   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Limited company ccj&oq=Limited company ccj&gs_l=partner-generic.12...23159.34137.0.36634.19.19.0.0.0.0.308.4270.0j3j15j1.19.0.gsnos%2Cn%3D13...0.10977j7667391j19...1j4.34.partner-generic..19.0.0.OY00NBTWR3U
    • Thanks dx100uk  ....  Thought not, but just checked to be sure and no neither one used ...  A parking/penalty slip, and in just the above post only.
    • Admiral probably won't offer near £3600. They are most likely to offer lower end of value shown in Glasses guide. Then you will have the excess deducted from the amount.   Always up to policyholder to negotiate the market value by providing evidence of similar cars for sale locally. Details of condition of the car pre accident etc.    Depending on the damage you can always get a local garage or AA/RAC to carry out an inspection and report on damage/costs of repair. But they may charge you and the Insurers won't cover costs of your inspection report.   Insurers don't mess around with repairs over a certain value, as can be a pain, as they would be liable for more repairs if policyholder unhappy after initial repair or damage was missed.   The £100 injury cover i thought was not cover for actual injury. I thought this was cover if you incurred costs due to be injured e.g. ambulance call charge.    Cannot really criticise Admiral as what you have been told by them appears to be correct. Unfortunately most people don't realise how Insurance works until they need to claim.
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Hi all. My daughter signed up with supanet 18 months ago on a 2 year contract. Something I was horrified to hear because they are the only company I know that are promoting 2 year contracts!! It's obvious why though as they can't keep customers any other way.

 

Anyway, she is moving house and has taken my advise to cancel and just pay the fee but supanet have told her that the only way to pay is via a text message link that has been sent to her for something called go2pay.

 

Now me being the suspicious character I am I wanted her to pay by a traceable means. Neither I or anyone I know has ever heard of go2pay and I don't trust it or supanet for that matter. I've read plenty of horror stories about people being chased for fictitious unpaid bills with this company.

 

Anyone advise where she stands with this? Is she entitled to demand a different payment method?

 

Thanks

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Thanks for the links. I've already read 2 of them from ispreview. Quite frankly it's shocking that this company still exists.

 

That link about go2pay is quite worrying and further reinforces my opinion that my daughter should not use it.

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Can  payment not be made online or by phone ?

 

Are they charging an early exit fee for not completing the 2 years ?


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They have offered no alternative payment method, just this go2pay link.

 

They are charging an early termination charge and a cease fee.

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Does she have a online account and can payment be made through the portal ?

 

https://myaccount.supanet.com/login

 

 

12.9 If notice is given to terminate the Contract before the end of any relevant Contract Minimum Period (except where notice is given by Supanet in accordance with condition 12.5 or 12.6 or by you in accordance with condition 12.3) then you are required to pay us compensation for ending your Contract early. The amount of compensation you must pay (referred to as an Early Termination Charge) will not be more than the Charges you would have paid for the Service(s) during the remainder of the Contract Minimum Period (assuming you would have used the Service(s) to the minimum extent contractually possible during this period) less any costs that we are able to save as a result of the early termination, including any cost savings made as a result of us not having to provide the Service(s). Full details of how this charge is calculated is in the Price List, which can be found at www.supanet.com/info. 12.10 You may, in addition to the Early Termination Charge, be required to pay a Cease Charge in respect of any broadband service, details of which are set out in the broadband Service Terms.

 

 

https://www.supanet.co.uk/documents/supanet-residential-terms-and-conditions.pdf


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TBH I'm not sure. I've told her to sign up here so she can jump in if needed. She will reply when she can.

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Hi I'm the daughter of sturose, as you can see there are no other payment options, just the option to resets the payment link 

20190513_153027.jpg

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Thanks Luna and Welcome to the Forum.

 

So it looks like your limited on payment options ....Im sure if you spoke customer services and requested an alternative payment option they wouldn't refuse your payment.

I take it this is for Broadband services at your current address and your happy to pay the penalty fee to exit early from the contract ?

 

Andy


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Hey @Andyorch

Thanks for helping. @Luna1992 has asked about alternative payment options, she initially requested a bill sent to her because obviously she now has no internet at home. They have refused this.

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We have already asked for other payment methods but they say that that is the only way they do things, we more than happy to pay the penalty fee to exit early just dont want to do it over this pay2go as it is not a reliable method 

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Mmmmmm wonder how their customers with no internet or mobile app go on with regards to payments ?

 

Have you got it in writing that they refused ?

 

Point 7.4 of their T&Cs....

 

7.4 You agree to pay the Charges by Direct Debit or by debit/credit card. For payments made other than by Direct Debit additional charges may apply. These charges are set out in our Price List.


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It was over telephone and whilst I was speaking in telephone my partner recorded all the conversation 

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1 minute ago, Andyorch said:

Mmmmmm wonder how their customers with no internet or mobile app go on with regards to payments ?

My thoughts exactly. I know most people have internet these days but it's a dangerous game to assume that everybody does!

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Point 7.4 of their T&Cs....

 

7.4 You agree to pay the Charges by Direct Debit or by debit/credit card. For payments made other than by Direct Debit additional charges may apply. These charges are set out in our Price List.


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1 minute ago, Andyorch said:

For payments made other than by Direct Debit additional charges may apply. These charges are set out in our Price List.

Isn't this just stating that they can accept other payment methods though but there may be additional charges?

 

We're not concerned with paying via debit card, just the method they are use to collect and process the payment with no alternative options

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I appreciate that I was just making the point as per their T&Cs and no mention of go2pay...so it must be possible

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Maybe we should contact them again and point out their own T&Cs!

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update on the whole supanet saga,

we have been emailing back and forth to attempt to resolve this situation and find a suitable payment method

 

this weekend I found that supanet had just taken a larger sum of money from my daughters bank account, even though the direct debit had been cancelled.

 

I advised her to go to the bank and request the money is returned to her under the direct debit guarantee as the amount was disputed and they had taken £197.98 instead of £162.50.

 

The bank have informed her that it wasn't taken by direct debit, it was a card transaction from a card that was used for a one off payment some time ago!!!

 

The bank have given her a number to ring to resolve this. I

have told her to report the transaction as fraudulent as supanet have clearly held card details without authorization and used them!

 

I am assuming the next logical step would be a complaint to ombudsman services and to report supanet for fraudulently charging a card without authorization.

 

Thoughts?

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CCP ...continuous card payments.....did you cancel this ?

 

https://www.fca.org.uk/news/news-stories/continuous-payment-authorities-it-your-right-cancel


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Thanks for replying, it wasn't a continuous card payment it was a one off as all bills were paid via direct debit.

 

There was never an agreement for continuous card payments to be set up so supanet should not have had any authority to take an additional card payment.

 

My daughter has just messaged me saying that the card payment is going to be reversed by the bank and they'll have the payment back by tomorrow by 6pm. They have also been advised to take the matter to the ombudsman and make a complaint to trading standards.

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So I've just tried to complain via the ombudsman service but apparently we either need a deadlock letter which supanet have already tried to suggest they do not issue, or it needs to be 8 weeks from the original complaint and it's only been 3.

 

Looks like I can't escalate the complaint yet but I am sure trading standards will be happy to hear about supanets abuse and misuse of debit card details.

 

I used to enjoy this complaining lark, I'm starting to get that buzz all over again!!😂

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supanet has failed to mitigate the debt and as they have refused other payment methods then the debt is no longer due.

This means your daughter should be in no hurry to settle this as they are starting from a position where nothing is owed to them, thanks to their own T&C's ( and consumer law)

The fact they refuse to send a deadlock letter whislt also refusing to engage will go against them. She might want to inform the Ombudsman (and OFCOM)of this refusal to engage

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OK thanks for that information. I am not up to date with consumer laws as many things seem to change rapidly these days but that is certainly good news.

Based on that though surely them helping themselves to money from a bank card they have no rights to use is just plain theft and fraud??

 

Hopefully TS will shed more light on this when they speak to them.

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