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    • Mental illness and debt:  What are the rules?   There are several laws and codes of practice that affect how banks and other financial organisations might deal with a customer with mental illness.   Equality Act 2010 The Equality Act says that service providers, including creditors, must make 'reasonable adjustments' for those disadvantaged by a disability or 'mental impairment'. Most mental illnesses would be covered by this definition (although substance addiction is not covered). Some creditors might want evidence of mental illness, such as a copy of a letter confirming an appointment, or a copy of a prescription. Examples of possible reasonable adjustments: • Putting specially trained staff onto the case. • Agreeing to make contact via letter rather than phone (if phone calls make the debtor anxious). • Allowing extra time to gather information etc. • Agreeing to delay collection procedures for a short time. If a provider has acted in a discriminatory fashion, the consumer can complain. Examples include: • The creditor refusing to communicate in a way the consumer can deal with (e.g. by talking to someone authorised to call on the consumer's behalf, or insisting on communication via phone call when this increases anxiety). • The creditor sold a product (e.g. a loan or credit card) without fully explaining it or making sure the consumer understood the consequences. Complaining to the bank or debt collection agency itself might be helpful, especially if the Equality Act is mentioned in the letter. Taking it further can be stressful and time consuming, but occasionally necessary. Legal routes could be making a claim against the creditor or by claiming discrimination if the creditor takes legal action about the debt.   The Mental Capacity Act The Mental Capacity Act 2005 deals with what should happen if a person lacks the capacity to make decisions for themselves. This includes financial decisions. If someone borrows money while they didn't have the capacity to properly understand what they were doing - for instance, during a manic episode - the law still sees it as an enforceable contract by default. To have the contract cancelled, it must be shown that the creditor knew or should have known about the reduced mental capacity.   https://www.choose.co.uk/guide/mental-illness-debt-help-rights.html
    • if you mean the CCA sure but yes you must always redact things you put up as we have to abide by data protection and ofcourse you/we are anon anyway    
    • You've suffered reputational damage.  You've also been denied the ability to obtain credit, or have had to obtain credit at a poor rate.         
    • I can scan it and post here if its helpful, should i blank out all personal details?
    • thats very useful to you, not only does it show that all the prescribed terms and conditions which must be contained on the signed agreement are not there , it also shows that there are no associated terms and conditions which are several pages long, must be those at the time of you signing and must contain your details.   so we know if the fleecers produces anything further regarding the cca..its a fake and NOT from the original creditor they've also not produced  the default notice of assignment LLoyds to AK notice of assignment AK to PRA.   not looking good for them. dx
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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

Flow Energy and Credit Style Solution


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Hi

I've received some letters from Credit Style Solution for immediate action regarding an unpaid bill from Flow Energy.

 

Its for a significant amount or id just pay it but I'm with a different provider and prior to this a different provider again

 

I cannot address this during the day due to current work commitments ( am out 7-7 with no signal )

so apart from writing to the company

 

any suggestions on what to say please ?

 

Im not disputing it but I don't know what or when I  may have owed this bill .

TIA

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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So I understand that this is a bill from the previous supplier. How far back does the bill go and it covers what period?

Have they tried to bill you for this before or is this the first time you have heard of it?

Do you know about the back billing code which prevents them from billing you more than 12 months in arrears if they have failed to send you bills or if the bills they have sent you were not accurate?

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Hi

Thanks for your reply .

Ive no idea when its for but id guess at least 2 years ago as im with BG now and prior to that Eon.

Ive no idea for what period as I haven't got a bill ?

Not heard of back billing code which prevents them from billing you more than 12 months in arrears if they have failed to send you bills or if the bills they have sent you were not accurate --- I don't want to get into further trouble but wonder if I do have any rights to more information and if so will they serve me with a court notice ?

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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ccs are a dca

stuff all they can do

as long as you've not moved

await contact from flow or whomever now owns them

 

but as pointed out

if you've not moved and you've never had a bill from flow nor a reminder from then in the last 12mts

under the backbillling rules

there is stuff and all they can do.

 

CCS are just after fleecing people for free money that I suspect flow will never see a penny of.

 

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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I suggest that you send the creditor company an SAR to get more information. Do it straightaway

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dont think flowenergy exist anymore? which is why i said what i did

a dca cant chase for a client if the client doesn't exist.

 

wheres the money gonna go if you do pay them?....

urm..I wonder

nice free xmas party me thinks for all their staff..

 

 

 

 

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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https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000000alV6IAAU

 

Beasley got his fingers burned by the regulators if my memory serves me right.

 

might be wrong..

 

 

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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Share on other sites
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