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    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
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Scottish Power - High electric/gas bill


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Since being on furlough I have taken time to address certain issues.

 

One of which is reviewing my bank statements and direct debits and I noticed that my electricity/ gas bills are in the region of £400 per month.

 

I believe that because my readings have been continually estimated this has led to very high bills.

I spoke with the energy company concerned (Scottish Power) and they had a higher elec reading on record (taken back in Nov 2019) than the current reading (which did not make sense).

 

They agreed to monitor the reading for a week to see how much elec I actually consume.

This will then be used to determine what refund (if any) is due. 

 

My question is that if I prove that I have been over paying for my elec, how far back can I go to claim a refund? 

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more importantly why are YOU not taking and putting readings up on their website.??

 

once the account is sorted, if it is in credit 

you can goto you online portal and request the credit balance back .

 

 

 

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 changed the title to Scottish Power - High electric/gas bill
  • 3 weeks later...
On 17/09/2020 at 00:55, Neo1 said:

My question is that if I prove that I have been over paying for my elec, how far back can I go to claim a refund? 

 

I understand your way of thinking but you don't "go back" through individual bills to claim a refund.

Your payments will have been credited to an account and the account will be debited according to usage, be it estimated or actual.

 

Any refund will be calculated by simply adjusting the total debit owed on the account inline with your readings, they may also offer to update your bills with the actual reading and your bills will essentially be zero until your usage has caught up with what you have already paid for.

 

It may get a bit complicated if you have changed tariffs over the years but that shouldn't cause you any issue because essentially you would have been overpaying on a cheaper tariff and the refund would be applied against the more expensive tariff (assuming your tariffs trend upwards not downwards). If this is not the case the difference is likely to be small and very difficult (but not impossible) to calculate for.

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