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    • So here is where things stand at the moment (sorry it's a very long post!):   I moved into this property in November.  I contacted both my electric and gas suppliers to change address and get my accounts moved over.   Electric - I closed my old account from my previous address, opened a new account for this address, set up a direct debit and requested they become the supplier.  The only thing that was outstanding on the account was a discussion about tariffs.  On 21st November they tried to call me but I didn't answer (judging from the time I was probably driving home from work).  I received a payment from them at the end of November from my previous account (which I clearly didn't check as I thought it was money going out for my direct debit).  I incorrectly assumed the call was about tariffs, which tbh, I'm not really fussed about. Their request to become the supplier was rejected but they didn't follow up on it or try to contact me again.  So I, like an idiot, thought it was all sorted out.  It's only now that I've been through my account that I realise they haven't been taking payments. I have spoken to them since Friday and the above is what they have told me has happened.   Gas - I closed my old account and have been trying to get a new account opened since November.  I have had several discussions with them re: the change request being rejected and they didn't know why it was being rejected but to leave it with them.  They told me at the beginning of this month it would be done by the 21st January.  During this phone call they said I could call the current supplier to make sure it goes smoothly but that it wasn't essential as they expected it to be completed by the 21st.  Last week they sent me a final demand for my previous address.  I contacted them to raise a complaint as I thought they were at fault, as I expected it to have been changed as per the above.   I spoke to them on Saturday and have sorted out my final bill and they have advised me to open accounts with the current supplier, Spark, clear them and then I can switch. Interestingly they also told me that Spark went bust in 2018 and it is a company called Ovo who are on the national database as the gas supplier.   Spark - This is the company who changed the meters on Friday.  I have two letters (one for gas, one for electric) that were left with the smart meter they had plugged in in the kitchen, both addressed to the previous tenant.  I obviously did open these on Friday.  Both letters state that they had changed the meters to prepayment meters.  There are several boxes that list current debt, amount of credit on meters etc none of which are filled in.  They also state that a booklet has been left explaining how the smart meter works.  There was no booklet. When I contacted them on Friday they told me that I was in fact on credit meters (I don't know if they changed this remotely when they realised I wasn't the person with the debt).  They also told me they had every right to enter the property and aren't able to check every time who the current occupant is and I should have told them I'd moved in.  I was told that someone would call me at 1pm on Saturday to discuss my complaint, thus far no one has called me.   I spoke with citizen's advice yesterday who really weren't much help tbh.  They said I should have contacted the current supplier when I moved in and provided a copy of my tenancy agreement.  I've moved A LOT over the years and have never had to do this.  I have checked several energy supplier websites and they all state to switch to them or move home simply to contact them and they will basically do the rest, not one of them states that you need to call the current supplier... obviously, on reflection I really wish I had!   My letting agent/landlord have requested that I take any post for the previous tenant to them and they will return it.  They also want confirmation of what type of meter (prepayment or credit) is now in the house.  The locks were changed when I moved in so only myself, the letting agent and the landlord have a key.  None of us let them in on Friday.     My next step is to open accounts with Spark/Ovo, clear the balances since November and then change suppliers.    All of the above have advised me to follow Spark's complaint procedure which I will do but as I said above they haven't contacted me so far re: the complaint I made on Friday.   Should I also contact Marston's to raise a complaint with them?   Whilst in all of this I do appreciate I could have done a fair bit to have made my life easier and probably prevented this happening (hindsight is wonderful!) my main complaint is that neither Spark nor Marston's felt they needed to perform a very simple check and see who actually lives in the property before breaking in.  I cannot for the life of me see how this is acceptable or legal.  Whilst they had the legal right and a warrant to enter the previous tenant's property as far as I am concerned they had no right to enter mine.    
    • I am in the process of looking on the land registry and it's showing on there alongside Lloyds bank,am going to look at deeds aswell  
    • Just a note that these appeal Trade Associations, are bodies these fleecers belong to so they are allowed to operate, appeals almost always fail, and by appealing important protections under POFA are lost as the appeal almost always identifies the driver.  Irrelevant in your case as you own the space, and the PPC have no rights in law over it.  POPLA appeal could also fail as POPLA wouldn't look at primacy of contract and the fact you own the space so can tell the PPC to Foxtrot Oscar. Whole Private Parking Industry is a money machine for unscrupulous ex cowboy clampers.
    • If you have insufficient evidence to support the claim, it is very difficult.   No point going to any Personal Injury Solicitors, as they are going to ask you questions to determine how easy it is to win compensation and for them to earn money.    Given lack of evidence and that you are unlikely to receive help from those who just seek to earn from the incidents, I can only suggest that you write to the HR Director/Manager to make a complaint. Do not say anything about looking to take them to Court for personal injury.  Stick to the facts about what happened and the way it was dealt with.  Ask for copies of the incident/accident report forms that should have been completed by the line manager responsible.
    • My point was that the fear being generated is disproportionate to the current threat. Initial under reporting of cases gave an inflated picture of the percentage death rate and images of cities in lockdown do look like a disaster movie so I understand why. This article is worth a read for some perspective. https://www.theguardian.com/science/2020/jan/27/what-is-coronavirus-symptoms-sars-china-wuhan          
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Jaksmyboy

MBNA-Arrow-Capquest

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Hi all

 

I obtained a MBNA credit card in 2014, things went very wrong for us and it ended up in our IVA in 2016. My credit file states that it defaulted in Aug 2016 (when we started our IVA-however I never received a default notice?)

 

Our IVA failed in Dec 2018 and I haven't paid anything towards this debt since then.

 

Arrow Global were chasing us for a while for this debt-so I sent off a CCA to them in early May-haven't heard anything from them in response to my letter BUT got a letter from Capquest 18th May to say that they are now dealing with our account.

 

Then on 24th May I received a letter from Arrow again stating that they are dealing with the account and that correspondence should be directed to them-still no response to the CCA though.

 

So, my questions are:

 

Do I send a CCA to Capquest (they are quite persistent with their calls, txts and emails)?

Do I respond to Arrow?

 

Thanks

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Hi all

 

Anybody any idea about this other topic I posted a few days ago? 

 

Just that I've received another letter from CAPQUEST again today stating that they are managing the account on behalf of Arrow Global....Arrow were sent a CCA letter at the beginning of May-ive still not had a response from them but now being hassled by Capquest? Do I send Capquest a CCA letter?

 

Thanks

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capquest are arrows ignore them until/unless they comply to your CCA request and we check it.

 

dx

 


..

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I'm being hassled by Capquest….A LOT! Lots of calls and letters, even got through to me at work which is not ideal. 

 

Do I send them a CCA request (I never received one from Arrow after sending one to them beginning of May)? I know what you've said previously @dx100uk but to get them off my back-send the CCA request or just continue to block and ignore?

 

If the advice is to continue to ignore, what is the next step I should look out for from them or what could they do next?

 

Thanks

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its all they can do.

they'll give up.

 

 


..

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I've (finally) had a response to the CCA request I sent to Arrow in April!

 

The letter they sent back includes; a copy of the agreement and a copy of the terms and conditions.

 

They 'confirm'; the account is in default and the total sum outstanding.

 

And they request-'please now provide your proposal for repayment of your debt. Failure to do so will result in the continuation of collection activity, which in your case may include litigation'.

 

They also advise that they are only dealing with this document request and that all enquiries should be directed to Capquest...

 

What would anyone advise I do now with Arrow/Capquest?

Thanks

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Scan up all the cca return to one multipage pdf please


..

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And not a very good recon

Clearly states its an application form

And then proposed conditions

 

Then says its and online signup in 2016

But somehow mbna agreed to it 12 mths earlier

 

Nice filling cabinet copy and paste from arrows filing cabinet.

 

Dx


..

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Thanks @dx100uk, you see things that I just didn't even notice! 

 

And actually (and apologies for not uploading at the same time) but I received the attached letter the day before this 'agreement' came through-clearly stating that they hadn't received the necessary documents but that it hasn't been overlooked etc, then the very next day I receive the documents.....?

 

So, do I respond?

 

Many thanks

 

Edited by Jaksmyboy
Card details still visible

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What would anyone suggest is my next move with Arrow here?

 

Thanks

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I've had an annual statement through from Arrow-they show that the £1 postal order I sent in for the CCA request has been classed a 'payment received'..?

 

Surely this can't be right, I stated that the postal order should be used for no other purpose-as per the template letter..??

 

What should I do?

 

Thanks

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nothing

quite usual

wont effect SB date.

 

dx

 


..

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