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    • On the first point, yes, but I now know that the "traffic building up beyond my control after I entered the box" is not an acceptable defence due to the rules.   Re second point, well I *did* have to break suddenly, otherwise I'd have hit the black car in front of me. I understand now that this is not "defence enough" on the contravention.   Re loophole on pics/video: I read in another post somewhere (not sure it was here or someplace else) that your reg must be clearly seen in the pics/videos at the *time* it's committing the offence ("captured live" I think it was the expression used) and that it's not permitted for someone to go over the footage in order to zoom in your number plate. So, what I'm saying is: from the pics/video (except the really dark pic that's zooming on my reg only), you *cannot* see the reg of my car. Hence why the pic zoomed on my reg doesn't show the full car *actually commiting* the offence. They're trying to *infer* that it's my car. (*I* know it is, but don't they have to prove the offence actually being committed by *my* car with pics that show the full car/position *and* reg? aka, not just a random zoomed in pic that could've been anywhere, hence the argument about "not being allowed to go over footage in order to capture offence/details").   Thanks for your time in answering btw ☺   P.S. Found the bit about the live footage thing. It's "point 20" in this page: http://www.appealnow.com/parking-tickets/yellow-box-junctions/
    • Hi   Robinson Way are still chasing on this saying its not statute barred, but another issue has come to light since submitting a mortgage application.   CL Finance have a second charge on the property for this from ~2012, which the mortgage lender want removed before making an offer. CL Finance Limited (Company no. 01108021) was dissolved in October.   Does anyone have any advice on how i can have the charge removed and how we can stop Robinson Way chasing.   Many thanks   Dean
    • Yes - always best not to bury your head in the sand
    • Don't worry about the hearing fee date....concentrate on complying with the courts directions by date.   Andy
    • Hi @slick132 apologies for the delay responding.   Letter to the gym (1Life):   "Dear 1Life   RE: Cancellation of memberships ********* & **********   I refer to the aforementioned memberships at 1Life ******* Leisure Centre. We have cancelled our Direct Debit mandates and now realise that we did not provide 30 days’ notice needed. I therefore offer to pay the outstanding £49.98 for the notice period, consisting of £24.99 for ********** and £24.99 for *********.   I will pay no administration or cancellation fees and no further membership amounts. I consider the third parties attempt to charge unlawful penalty unacceptable and unfair to me as a customer. Hence the contract is terminated and we will ignore any further demands. If you confirm in writing that you will accept the amount of £49.98 in full settlement of all that I owe, I will pay you promptly. If you fail to accept my offer within 14 days or you demand any higher amount, I will pay you nothing and my offer will be withdrawn.   Yours Sincerely,"   Letter to DCA (DFC):   "Dear Debit Finance Collections Plc   RE: Notification of Unpaid Direct Debit Payment - Ref No ******** & *********   Further to receipt of emails from yourselves regarding missed payment and late payment charges, I confirm that I will pay no administration or cancellation fees and no further membership amounts. I consider these attempts to charge unlawful penalty unacceptable and unfair to me as a customer. Hence the contracts are terminated and we will ignore any further demands.     Yours Sincerely,"   Interestingly (and more than likely irrelevant) the email response from DFC stated that they wouldn't deal with me regarding my partners membership due to data protection, but then they also named her in the email! Surely a breach of data protection in itself!   Thanks Buddy2015  
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Topkekker

UK Search/SHULMANS LLP PAP LOC - Octopus Energy Debt

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Hey guys,

 

I was using a utility supplier for 18 months. Every month, paid my direct debit on time. One day, they reviewed my account and said they had miscalculated my energy consumption and I now owe them £900. 

 

I switched energy suppliers straight away as a consequence. 

 

I am now being contacted by UK Search Limited by phone, email and text message. So far, I haven't responded and don't intend to.

 

I've checked my credit file. The account with the original utility supplier is closed and settled according to Credit Karma. 

 

So what should I do with UK Search Limited? As far as I see it:

 

  • Completely ignore them until they go away (my preferred option)
  • Contact them in some way and dispute the debt

 

I would be very grateful for any advice on how to proceed. I currently have an excellent credit score. 

 

Thank you,

 

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Hi and Welcome to CAG

 

If we could have the name of the Utility Supplier to be able to place your thread in the correct forum.

 

Regards

 

Andy


We could do with some help from you.

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Posted (edited)

Thanks for the welcome. The supplier was Octopus Energy - the debt has since been sold. 

 

 

Edited by Topkekker

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Thanks I have moved your thread to the  Utilities - Gas, Electricity, Water  Forum and updated your thread title.

 

Please continue to post here to your thread.

 


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

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whom are uk searches stated client?

 

dx

 


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

spreadsheets 

 

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They claim to be working on behalf of 'OCTOPUS ENERGY'. They state that all correspondence be addressed to them and not OCTOPUS ENERGY. 

 

P.S. they like to write in capitals :)

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ignore..

send octopusy an sar.

 

dx


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

spreadsheets 

 

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Legend, thank you so much sir! I'll get it sent this week.

 

What happens after that?

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loads of DCA util threads here

get reading up.

 

dx

 


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

spreadsheets 

 

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@dx100ukI never got a response to my SAR from Octopus.

 

But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."

 

I'm reading the threads now. Any advice on how to proceed? 

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I can instruct my dog to sit

if it does is another matter.

 

it this octo themselves or another co ..who?

 

does it mention the pre action protocol and contain a reply pack?

if not safe to ignore 

 

dx

 

  • Like 1

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

spreadsheets 

 

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Woof woof!

 

It is Shulmans LLP who state "Our client, Octopus Energy Limited have referred your account to their litigation agents UK SEARCH LIMITED who have instructed us to consider legal action..."

 

It does contain a pre-action protocol and reply pack. 

Edited by Topkekker

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aha  SHULMANS LLP not Schulmans LLP that makes more sense now.

 

you need to respond yes.

 

1st if you use our search...

SHULMANS LLP

 

https://www.consumeractiongroup.co.uk/search/?q=SHULMANS LLP

 

you'll see there are numerous claims here for mostly southern water debts

most of which, ince the original creditor know what is going on 

fizzle out one way or another as they don't know this action is going on an they have no real wish to goto court

as they will have to.

 

I would be chasing up octopus and asking where is your sar, they only had 30 days!

 

there is a sticky here:

on how to respond, though I don't think there is a specific one for octo yet...was the electric?

 

 

 

dx


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

spreadsheets 

 

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@dx100uk thank you. Yes it was an electricity bill.

 

- I put my details into MoneySupermarket for a new supplier.

- I was quoted £30 p/m with Octopus.

- Used them for 13 months and paid everything on time.

- They decided after 13 months they have been undercharging me to the tune of £970.

- Ask them where they got their initial meter reading from as I didn't provide one. They ignore and insist I pay.

- Switched providers and now pay £50 per month on average.

- They release these doubt hounds on me.

 

I'm looking to buy a house in the next few months so really could do with this not going to court.

 

Equally I'm absolutely disgusted with how this company thinks it can treat people. I wonder how a more vulnerable or older person on my situation would feel and it makes my blood boil.

 

 

-

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well something is not right, that would make the usage bill £100+ PCM.

 

on the pap reply form we'll inc a request for all bills and 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

spreadsheets 

 

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So, checklist of what is happening this week:

  • Sending CCA request to Octopus Energy.
  • Printing your version of the PAP reply form and sending it to Shulmans LLP. 
    • Ticking box D (I dispute the debt) for the following reasons:
      • I paid in full my pre-agreed direct debits on time, each month, for 13 months. After 13 months had elapsed, Octopus Energy claimed that my usage meant I now owed them £976.93 in arrears. This arrears estimate is erroneous and has no basis in reality, primarily as I did not give Octopus Energy an initial electricity meter reading.To give context to the scale of their obvious error, my home is a one bedroom flat with three rooms.
      • Also, the debt purchaser has yet to provide any or all of the required documentation.
    • Ticking box I and request:
      • All bills and meter readings
      • A copy of the Default Notice
      • A copy of the Notice of Assignment

      • A complete set of statements detailing exactly how the debt has accrued detailing:

        • All Transactions.

        • Any additional charges, be them by the original creditor or you Shulmans LLpp, the debt purchaser or any predecessor DCA.

        • Details of all contractual interest added by whom and on what date.

        • List of ALL Payments made toward the Agreement

  • Re-sending the SAR request to Octopus Energy and telling them they are now overdue delivery.

I had also considered doing the following but will hold fire for now (?)

  • Sending a letter to my MP.
  • Sending a letter to the Energy Ombudsman.
  • Sending a letter to the FCA.

 

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utils bill are not covered by the CCA

they are not a credit agreements


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

spreadsheets 

 

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OK, I will do all of the above except the CCA request. 

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