Jump to content


  • Tweets

  • Posts

    • I'm really not sure what all the above refers to and why you are bothering with it.   This is an overdraft current account ?   You entered into it in Scotland ?    Claim was issued 14/09/18   The last payment date by YOU was 18th Nov 12   Section 78 is not applicable to overdrafts.   Andy  
    • Hi Andyorch.  Todays good news is - the matter is now dead 😀   Many, many thanks for your help and advice.
    • Hi Guys,   My friends wife ignored letters from Horizon Parking and their solicitors and now has a CCJ registered on her credit file.   Stupidiy, she also ignore the claims form which come from Northampton Bulk centre as it looked photocopied and she thought it was fake. At the same time her work colleague did the same.   Her work colleague went to stand as guarantor for her daughters loan and got refused, she has now found out that a CCJ has been registered two months ago, so my friends wife checked her credit file and has the same, from two months ago.   Both received claims forms and didn't fill them in. Neither of them have received notification of judgement however. I am right in saying still that they should of done and would of been given the opportunity to pay the claim within. month at that point and not have a CCJ permanently on their file. If this is the case, what is the way forward? Set a-side ?
    • EXHIBIT K   24th March 2019   Lowell Portfolio I Ltd 9 Savannah Way Leeds LS10 1AB   Dear Sirs   Your Ref: 1...….     MFS Portfolio Limited v Phelan West (2019) I write to draw your attention to recent successful appeal case regarding a personal current account with overdraft facility; the decision was made before HHJ Walden-Smith sitting at Cambridge County Court. In this instant case the Appeal court found the personal Current Account Overdraft agreement to be unenforceable pursuant to the Consumer Credit Act because of lack of evidence of compliance with the requirements of the OFT determination. It was also accepted that Creditors must comply with S 78 Consumer Credit Act 1974 requests relating to personal Current Account Overdrafts, not just credit cards and loans. In this case the Appeal court did find that MFS Portfolio Ltd had complied with the S 78 Consumer Credit Act request. If they hadn’t complied with the statutory request then the personal Current Account Overdraft would have been unenforceable pursuant to s.78 (6) (a) Consumer Credit Act.    In view of foregoing, I note that your company have failed to comply with S78 CCA 1974 therefore your claim is unenforceable. So it is in your own interest (and to save cost) that I demand yourselves to discontinue this matter with immediate effect, otherwise I would be seeking compensation awarded against your company through the court for my time and legal cost to myself for consulting solicitors for advise in defending this claim which I consider not valid since you couldn’t also substantiate it when ask to prove it.   Yours sincerely
    • Hi Micky,   The letter you sent was your Prelim Letter and you should send an LBA before issuing proceedings.   1. Who replied to your letter that was taken in to the Chingford store - eg was it the store manager.   I suggest you send your LBA to the store Head Office enclosing a copy of the original letter and give them a final 14 days to reply and refund.
  • Our picks

mamt35

Scottish Power ***Resolved***

Recommended Posts

Hello

 

After trying to get an issue resolved with Scottish Power, I am to 'stage 2' which says to use resolver.

 

Has anyone used resolver for Scottish Power and was it a swift procedure with the desired outcome?

 

Ive had a letter today about escalation and debt collector if £936 isnt paid in a week, despite promises that this was all sorted.

Its been going on a month now.

 

The first £936 was rejected twice by our bank, they sent an email after that saying we had lost the right to monthly bills and would be on a higher tariff quarterly one.

we switched this week,  (joined SP end of March, left this week)

 

 

 

Share this post


Link to post
Share on other sites

never have liked resolver pers

 

so what is your actual problem with SP.? why did you need to use resolver?

you've simply an outstanding bill that didn't get paid and you are now out of their supply with someone else?

 

oh and forget about the powerless DCA's they are NOT BAILIFFS

 

might be best to simply write offering payment/sum on XX dates and just do it via BACS transfer when you say you will.

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

what do you actually owe them?

many bills  have bank account detaisl so all you do is use you bank payment system to send what you actually owe to them directly. they cant refund the money without giving themselves problems.

the go after them for bad service, overcharging or anything else that is left unresolved

Share this post


Link to post
Share on other sites

Its been like this from the start, il attach the chart that shows the record. We are waiting for a 'correct' final bill, the one they sent us today still says £9361663495493_Screenshot_2019-05-05Balanceandbills-ScottishPower.png.e308d953c1148247027cf841c3a526e1.png

 

Below is one of the chat conversations,

we were told definitely sorted..

.it wasnt,

 

my bank stopped another payment and although they claimed we stopped direct debit and said we now had lost our monthly entitlement and had to now pay quarterly at a much higher tariff..

 

.my bank sent a text on 3rd of may saying, originator has cancelled direct debit 😕

 

Conversation with ScottishPower
Started on April 22, 2019 at 11:03 AM London time (GMT+00:00)

---

 

11:15 AM | Md from ScottishPower: How can I help you with your Direct debit amount?

 

11:16 AM | *****: I was told it would be £76 a month and Scottish Power tried to take £936 a month

 

11:18 AM | Md from ScottishPower: I am terribly sorry for this let me check your account quickly

 

11:18 AM | *****: Ok

 

11:25 AM | Md from ScottishPower: I can see that amount was set on the Direct debit due to technical issue.

I apologize for the inconvenience I

I can assure you now that we have it set it up back to £86.00 per month now

 

11:26 AM | ******: that's good and can you let me no when that payment will go out so I can get my bank to hold the money

 

11:29 AM | Md from ScottishPower: Sure it will be 03.05.2019

 

11:29 AM | ******: ok thankyou

 

11:30 AM | Md from ScottishPower: Let me know if you need me to assist you further.

11:31 AM | ****** that's great for now thankyou for your help

 

11:32 AM | Md from ScottishPower:

You are very welcome !

I hope I was able to help you with your query today.

I'm closing this chat for now,

 

if you have any query, you can initiate a new chat from your app and we will be happy to help.

 

---
Exported from ScottishPower on May 17, 2019 at 09:59 AM London time (GMT+00:00)

 

 

Share this post


Link to post
Share on other sites

I also note that they are using and estimated rading so take readings NOW and again in a week so you have a stick to beat them with when they fail to put the right info into their computer.

 

 

as an aside when energy companies make consumption forecats their models give a maximum annual fuel usage depending upon the size of the property ( and presumably if you live in a mansion they also make assumptions about  the minimum consumption). It may well be that their computer wont cope with reality for setting a monthly DD figure and has gone rogue because they cnat tweak the numbers

Share this post


Link to post
Share on other sites

We gave reading after reading, time and time again...A complete waste of time

Share this post


Link to post
Share on other sites

I did the resolver on Saturday. just to get the ball rolling.

There is just no excuse,  yes I understand the kind of 'automated system' but this was reported to them the same day as the first £936 was attempted (7 days after our supply went live)

 

then again 13 days later when they tried the same thing,

then again 5 days later when we got an assurance that all was sorted and our 'normal' agreed direct debit would go out,

 

then comes the numerous missed calls and threatening letters, nothing has changed, absolutely no excuse

Share this post


Link to post
Share on other sites

I now have a 'complaints handler' who tried to call today (left answer machine message) and said would call back.

 

What are peoples opinions on what I should be saying to this complaints handler?.

 

Obviously I want the letters and threats to stop, and to have the final bill to reflect our first agreed tariff rates and not the higher quarterly tariff they gave us because they couldnt collect the monthly direct debit.

 

Would it be feasible to ask for the switch fee to be waivered?

Share this post


Link to post
Share on other sites

Atleast that

record your calls

and the estimates when they had the right readings


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Had the call, and got £100 compensation too. They are asking for me to close resolver, but I think il wait to make sure the letters stop, and the compensation goes in.

Share this post


Link to post
Share on other sites

Well done...so will this be resolved (pardon the pun) to your complete satisfaction ?

 

Andy


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 OTHERS

 

 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

Share this post


Link to post
Share on other sites

Yes hopefully. My trust is shot to bits though, so im giving it a couple of weeks to see if any more letters  for £936 come along lol ....next stop is severn trent :)

Share this post


Link to post
Share on other sites

Please let us know when your happy for us to update your thread title.


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 OTHERS

 

 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

Share this post


Link to post
Share on other sites

You can do it now. I have saved evidence that it was their mistake, so even if the letters arrive it won't come to nothing :)

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...