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    • Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and thank you for concluding your topic, title updated.   Andy   .
    • So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  
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two welcome finance loans


toshyboy
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I had a loan with welcome that uk search are now chasing me for.

I provided a financial statement offering to pay £1 a month.

 

They come back and said they wanted a tenner.

I wrote back saying financial statement shows I can only afford £1 and subsequently set up a standing order.

Heard nothing for about a month

 

i have received a letter stating i've ignored previous requests to sort the debt out and they are considering formal action.

I genuinely cant afford a tenner a month so am now worried about what they will do next.

Any help/advice would be much appreciated.

 

Thanks

 

Toshyboy

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fire off a cca request

how old was this debt

 

ie when did YOU last pay anything?

 

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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and previous to that?

 

BTW: they have NO LEGAL RIGHT to see any of your pers fin details.!!

 

90% of welcome agreements are riddled with mistakes like mis-sold ppi and are inflated by unlawful charges etc

 

do you have the agreement?

 

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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  • 2 weeks later...

tell them again about your proposal for £1 a month

 

inCASSO SOLICITORS?? THEY ARE PROB UK SEAECH OWN SOLICITORS AND I WOULD NOT WORRY TO MUCH

 

IT SEEMS THEY ARE ONLY COLLECTING ON BEHALF OF WELCOME AND ARE NOT THE CREDITOR SO THEY CANT TAKE LEGAL ACTION IN THERE OWN NAME.

 

IF YOU DO GET A CLAIM FORM, I CAN USUALLY TIE THEM UP IN KNOTTS SO DONT WORRY TO MUCH AS WELCOME AS A RULE HARDLY EVER GO TO COURT AS THEY DONT LIKE THE DIRTY LAUNDRY AIRED IN COURT

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Incasso are absolutley nothing to do with UK Search LTD, The are one of the biggest recovery companies in the UK and have offices world wide. They actully was awarded with "Legal Recovery firm of the year". Dont take these people lightly they are known to take action.

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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Incasso as you know from previous posts on here have been involved with Welcome since October 2010 and as Incasso are LEGAL Recovery firm (Solicitors) they certainly can take action.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?282230-Welcome-upping-their-game-with-dca-collection

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?282184-Here-We-Go-Again!!!-****-amp-Incasso-LLP

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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they can take action but welcome must be named as the creditor

 

not uk search

 

ahhhhh I see have Uk Search not bought the Debt from Welcome ? if not your right Tut tut Welcome

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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scan0001.jpg

 

ive uploaded the letter above guys.

 

Thanks for your help with this

 

Hi guys

Just to update I sent a letter to Incasso telling them about my offer to Uk Search on 23/01.

 

I've had a letter this morning from Uk Search saying they will not refuse any payment and cannot accept any instalment below £5 a week.

 

They say unless I pay this collection procedures will contunue and doorstop agents and/or county courts claims claim could follow.

 

I'm really worried now as I dont want anybody coming to the house as my partner knows nothing about these, as the debts stem from before we were together.

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  • 2 weeks later...

that jpg is a postage stamp..

post it up as below

and also your agreement if you have

 

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

 

when was YOUR last payment, how much do you poss owe....

then full history please....

 

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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letter from uk search.pdf

 

Hi = I dont have a copy of the agreement.

 

I have attached a copy of the letter I received from Incasso, my subsequent response and then the letter I received today from UK Search.

 

The last payment I made was to Uk Search for £1 last month. The last payment to welcome was the one on my iva which I think was around november 08

 

thanks again for your help

letter to incasso.pdf

letter from incasso.pdf

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urm.. i don't like the look of all this, somethings not right.

 

you say your have two welcome loans in the letters

 

i would SAR welcome and get everything they have & the agreements

 

tell us the history with welcome please

 

most welcome debts are littered with unlawful charges & mis-sold PPI

you p'haps need to get reclaiming on two fronts, the charges & PPI on both loans

that should kill the balances.

 

dont pay anything more than £1 for the present

if they wont accept it tough luck on incasso etc.

 

if they continue to wave their arms CCA them & also state you are disputing the balance as it contains unlawful charges & PPI.

 

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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how do you mean doesn't look right?

Do you think they may not be acting lawfully?

 

Originally I had 2 unsecured loans with welcome finance.

I got into a mess with my debts and went through an iva.

I paid the iva for about 2 years before it failed as i couldnt afford to pay it.

 

About 6 months after that I was chased for 1 of the Welcome loans by lewis debt receovery.

They accepted my £1 a month offer no problem as have about 8 other creditors who were included on my failed iva.

 

In the last month or so UK Search have contacted me out of the blue with regards to the 2nd welcome loan.

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there will certainly be stuff to reclaim from both debts i bet

 

get that sar fired off to welcome.

 

i would continue to pay welcome direct not through any dca's [though lewis is welcome anyhow]

 

pay direct using internet banking using the details you already have for welcome for each debt

 

lets wait for the full history by the sar.

 

are these two debts linked or totally separate?

 

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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The 2 debts are totally separate.

I also sent a cca request to uk search last week.

I will fire of sars when I get home tonight.

 

Would uk search not get funny with me if I stop paying them and pay welcome direct?

Is the debt not now their's to recover?

 

Thanks for your help

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unless you have received a doc entitled notice of assignment from the current leechers pay the OC.

 

you only need to send of ONE sar request to welcome

 

that will get you back everything they hold on you on all debts.

 

if you must

write to uk search and inform them and their muppets that you are paying the oc direct and that the account balance is in dispute due to unlawful charges and mis-sold ppi/gap/etc etc

 

have you any idea if you have ppi btw?

 

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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  • 4 weeks later...

Hi Guys

To update, Sat morning I received a letter from Welcome acknowlodging the SAR and that paperwork will be with me shortly.

 

Today I habe received a letter from McKenzie Hall chasing me for the 1st welcome loan which i have been paying £1 a month to Lewis Debt Recovery for since 2009.

 

Surely they cant send me 2 to agencies for 1 debt??

 

With the 2nd loan I've notheard a peep from UK Search and had no reponse to my CCA request. Can they still chase me for this now the timeframe has elapsed?

 

Thanks

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  • 6 months later...

 

Hi all.

 

Have a bit of a problem with this trio.

 

I had a welcome loan which I defaulted on and was initially passed to Lewis Debt Recovery.

I agreed a payment plan with Lewis and set up a standing order which has been going out since 2009.

Havent heard a peep of Lewis since so as far as I was concerned eveyrthing going along tickety boo.

 

Then in Feb this year I received a letter from McKenzie Hall stating they had been instructed by Welcome to collect the debt.

Called them up and wrote to them explaining I was already on a payment plan with Lewis.

Said over the phone they would put account on hold and contact Welcome as account obviously shouldnt have been passed over to them. Never heard anymore of it

 

I got another letter today from McKenzie Hall some 6 months later.

Called them again and the woman said Welcome have instructed them to proceed to collect debt as they have had no payments in over 2 years.

 

Informed her its been paid by standing order since 09 direct to Lewis Debt Recovery, but she has said action will continue as Welcome dismissed the query.

 

Not sure where I stand with this can Welcome and Mckenzie Hall do this?

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Hi, I take it Welcome did not inform you

that MH had been assigned to collect the debt?

If so then you can tell MH that you have no liability

or obligation to pay them, and that you have a payment

arrangement with the Lewis Group and they should refer

their queries to them or Welcome as you will not be paying them.

Next a formal complaint to Welscum demanding to know why

the debt has been passed to MH while you are paying Lewis,

and that your require a statement by return of post showing all

payments paid to Lewis and passed to Welcome.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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IMO if Lewis have denied any payment for two years then I would be stopping all payments, or at the very least, reducing them down to the token payment of £1 until this is cleared up.

 

Not only have Lewis failed to send you a statement of account annually, they have clearly failed to record your payments, so who has been living off your payments for the last two years??

 

Stay OFF the phone or you will only end up speaking to phone drones like this who have no idea what they are talking about.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Boo, it's Welcome denying any

payments for two years, so what have

Lewis done with all the payments if none

have reached Welscum?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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