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    • OK.  So you lent your car to a friend in 2019 and he racked up three parking tickets that he tells you he didn't know anything about(!).  You were the registered keeper (RK) at the time at your family address, but you got chucked out and could not change your RK address with DVLA because you were homeless.  You knew nothing about the parking tickets and enforcement action until you got a bailiffs' letter passed on to you.  You made an Out of Time (OOT) application in respect of one PCN but Birmingham CC objected to it and the traffic court rejected your application.  A solicitor helped you make OOTs in respect of the other two PCNs but you don't yet know the outcome of those two applications.   Is that the situation you are in?   dx100uk thinks you can resubmit the application saying your friend was the driver.  I don't think saying that will help as the driver is irrelevant.  It's the owner who is liable to pay the charge and that is the RK (unless the RK is a car hire firm).  I assume you are not a car hire firm so you are stuck with the liability, not the driver.   Whether you actually can resubmit an OOT once one has been rejected I do not know, but why not try.  What did the solicitor put on the applications they helped you with?  Did you not ask their advice about the rejected application while you were with them?  I think you would have to say something to the effect that you never received any paperwork in relation to the PCNs because you had been chucked out of your home and because you were homeless you did not update your address at DVLA.  That is the truth isn't it?  You don't want to lie on the application.   To me that's a good reason for you not doing anything about the PCNs, but I suspect that Birmingham CC will object again and that the traffic court will reject again.  And, as I said above, I don't even know if you can submit a second OOT application in respect of a PCN if the first has been rejected.   So it looks to me like you might be a bit stuck.   Unless dx100uk, or spaceman61, or another poster with expertise in local authority PCNs comes along I'm not sure what you do.   If you get no more helpful suggestions here you could try on National Consumer Service.  If you do go there, do not register with a hotmail address.  You will also need to provide them with a timeline of everything for all the documents you actually have, and you will need all the facts and dates etc at your fingertips.  And make sure they are accurate.   http://forums.National Consumer Service.com/index.php?showforum=30   And get your friend to contribute to paying off the PCNs.  Do you believe he really knew nothing about them?
    • To enjoy the protection offered by s.75 CCA 1974 for a credit card payment, you must pay over £100 and under £30,000 for the goods or service (even if part payment for a larger total amount).
    • Hi Charlie and welcome to CAG   As an Executor, you have a duty to insure the property and tell the currect insurer of the passing of the deceased.   Most insurers will refuse normal contents cover on a house left unoccupied beyond 60 days. So, unoccupied, the home will not be insured against break-in damage, theft, flood, accidental damage, etc.   You may be able to obtain FLEE insurance covering only Fire, Lightening, Explosion and Earthquake. It may cost more than usual contents cover  because the home is unoccupied, even though the level/amount of cover is less than for an occupied home.   As said here already, an Executor would be wise (or indeed have a duty) to remove valuables from the home if you have somewhere safer to store them pending Probate, distribution, sale, etc.   I hope if you can explain the insurance risks to YB and assure him that you are not taking items just for your own benefit, he may see sense.   Please keep us updated ............
    • yours is not the next move   dx  
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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.

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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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  • Andyorch changed the title to UK Search Limited & Closed Account with Octopus Energy Debt

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 The National Consumer Service

 

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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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loads of DCA util threads here

get reading up.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

@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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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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  • dx100uk changed the title to UK Search/SHULMANS LLP PAP LOC - Octopus Energy Debt

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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So, checklist of what is happening this week:

  • 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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Posting an update on this. Not sure what my next best move is.

  • I posed the above letters. 
  • Octopus have just emailed me details of my SAR request, including Dropbox links to:
    • Telephone calls, email correspondence, and energy statements.
    • I haven't acknowledged these, or clicked any links, as I sent my initial correspondence by mail and not email.
  • Octopus have said they "cannot exercise your right to be forgotten until the balance is settled"
  • UK Search Limited have started posting letters again, much like the first time, saying they are working on behalf of Octopus Energy to recover...

So it seems like they have restarted the process as it was about 6 months ago.

 

@dx100ukdo I just wait for them to threaten court action again and reply with the same information?

 

 

 

 

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no harm in downloading all the info whilst it is there.

it cant harm you nor reset anything with regard to ack'in the debt or acknowledgement of one that they claim might exist.

 

as for shul/UK etc.

they have your correct address as you replied to the PAPLOC

 

they are probably wanting free money in preparation for paying for the drinks at the xmas staff office party and you wont be alone in them sending these demands as some mugs might fall for it and wet themselves and blindly cough up.

 

you are safe to ignore.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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