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    • yes when you get your N180 from the court. on the sols copy omit phone/sog/email.
    • you dont need a copy of the letter. just proof. it might pay you to sar SLC as if they had your correct address on record before loan sales to erudio , that will add another very strong string to your bow toward setting aside this backdoor CCJ and the arrows you'll fire at Arrows (Erudio are arrows DCA in sheeps clothing)   you also might like many others find that you still have access to the online SLC portal. that could be useful with info. like deferral dates etc and address and what they knew and when.   at present you are in the info gathering stage, the more of that you can get the better.
    • IMHO i would never have a DD setup for any consumer credit debt. they are not a priority, like mortgage/rent/CTAX/Gas/Electric.   this gives you a bit more work to do, but it ensures there is always money for the priority things that can threaten the roof over your head or it's the necessary home utils needed with one.   it's also worthy to note that somethings that are unconscious priorities (though NOT!) like mobiles/phone/digital tv and broadband etc DD's often contribute to the real priorities not being paid. careful management of those needs to be exercised, like moving their payment dates to after the priorities are deal with in your calendar, or vice versa move the priorities to before those come out.   it is stunningly amazing how many families fall into priority bill debts by blindly pay these 'mentally essential luxury gadget' bills and are in total ignorance of the effect they have upon their available funds as 'they can't live without them'.
    • Just as UB says, he bailiff does not need to be invited in, but he certainly should have announced himself. i dont suppose he said what the enforcement was for?   The bailiff has to have a "reasonable belief" that the debtor resides at your address, if he is permitted to enter.   In the first post you say the Warrant was addressed to next door, is this your daughters property and did this Richard live at that address or your address.?   We should find out what the bailiff may say to try and justify his actions.    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Alleged GB energy debt - now co-op Energy

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Advice please so I need to know what action to take. 

In July 2016 I signed up with gb energy supply paying £35 pcm

in October gb energy changed over to cooperative and

my bill in November 2016 was £26 in debit,


December I moved out of the property to Scotland which I have all the evidence to prove,

just received a bill of £890 for energy used till October 2017,

and there threatening with legal action,


where do I stand as I wasn't even at that address in 2017

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when did you tell them you had moved out? Did you give them a final meter reading? If you didnt they arent expected to know

You may well owe them somehting to balance out the difference between your monthy DD and the actual bill so you need all of the dates and consumption figures

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Well probably a bit late to say it – but lessons for the future – take care of these things yourself. Don't rely on other people and certainly don't rely on landlords. They don't care.

Send the company an SAR and then in a separate letter send them evidence that you weren't in residence at that address. In that second letter, head it up "formal complaint" and tell them that if they don't resolve it then you want it taken to the energy ombudsman.

Keep us informed as to what happens.

Have you checked your credit file? If there is nothing on it at the moment then keep an eye on it.

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There's nothing on my credit file no defaults no nothing which makes me suspicious as gb energy went into liquidation, just very suspicious


My ex landlord said they would organise it, as far as we were concerned gb energy went bust and taken over, I don't mind paying up to December 2016 but not 800 when I wasn't even living there

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When a rental property lies empty the owner is liable for the bills.  Having worked for an energy company, dealing with debt, I know LL’s frequently try to avoid paying by marrying up the dates when tenants were there. It could even be that the next tenant ran up the bill up under your name because you never called with a final reading to close the account, or even a succession of tenants...

As stated above, never ever rely on someone else to provide opening/closing readings if you are paying the bill.

Incidently how did the energy company know your new address to send the bill to you?

Edited by Raven1
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ignore powerless DCA's

they are not bailiffs

deal with the client directly.



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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