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    • If you are flying away tomorrow (or rather this) morning I'd just forget about complaining to the police now.  As BF said earlier it's probably just a waste of your time anyway so I wouldn't worry about it.  Forget it for now.  Have a safe flight and concentrate on your other thread against Aviva.
    • I'm afraid you won't get a complaint drafted before tomorrow morning - and I think most others here think it would be a waste of time anyway and that the police decision won't change.  I would ask for a review and make a complaint on principle, but I suspect you are better off concentrating your effort on your other thread and direct complaint against Aviva.   Unless you are out of the country for an extended period I'd wait until your return before considering futrther whwther to complain about the police.   [ By the way, just so that you don't mislead yourself as it's a mistake many people make, ALL agreements are "verbal" in that they are composed of words.  Some agreements are in writing and others are oral, spoken or vocal.  The law recognises oral or spoken agreements just as much as ones that are written down.  The only practical difference is that oral agreements can be difficult to prove in a dispute]
    • Just to add there is a scheme called the Victim's Right to Review.  It basically applies to decisions made by the CPS not to go ahead with a prosecution.  It doesn't apply to decisions made by local police forces, but it does say:   19.  Decisions that are not eligible for VRR include: ... iii where the police or other investigator exercises their independent discretion not to investigate or not to investigate a case further (whether in consultation with the CPS or not) and the CPS have not been requested / have been unable to make a final decision to charge. Requests for review of such decisions should instead be addressed to the relevant police force/other investigator; [My bold] Victims' Right to Review Scheme | The Crown Prosecution Service WWW.CPS.GOV.UK   I'm not familiar with the scheme so can't advise - but other posters here may know about it or have experience of it.  You need to read the above link but note that it talks about things that seem to fit your situation.   eg a victim is defined as ‘a person who has made an allegation that they have suffered harm, including physical, mental or emotional harm or economic loss which was directly caused by criminal conduct’.   If you have not already requested that the police review their decision not to pass the case onto the CPS, then I would do so.  If you are not happy with the outcome of that, complain.   I can't advise you definitely to go ahead and ask for a review or complain, but if I were in your situation that is what I would do.  But I tend to agree with BankFodder that you'll get nowhere and, if you are sick and tired of all this and just want it to go away, then just drop the police.  However, if you don't try...   [Apologies for the italic typeface/font - it's the above link causing it.  The italics should have stopped at the end of the third para above ending ' ... criminal conduct'.  I can't change it.  Very annoying]
    • @Manxman in exile I eloped to get with my husband si my husband and siblings never sat together in the same room .   Hes claiming a verbal agreement was made but a verbal agreement doesn't hold any water in the eyes of the law..no agreement was made I was in Leeds with my toddler.    He has made use of the policy , had the luxury of the insurance and reversed the money back and now Aviva are coming after me.   You've summed it up well is there anyone in the group that can help me draft the complaint to the police as I'm flying out first thing tomorrow and my head is all over the place.   My husband me Mr z , my late father and eldest brother were at this meeting supposedly when the verbal agreement was made but yet the officer took a statement off the eldest brother and didn't take it off the husband and based the final decision on the eldest brothers statement and Mr Z and all other evidence which is in written form has been completely dismissed    I'm fighting it all alone coming from an Asian background I am getting taunts and salt is bring rubbed on my wounds its not been a pleasant experience yo say the least trying to prove my innocence and having to listen to the b******* being spouted out by everyone whilst Mr Z is walking away not guilty 
    • I would complain to the police - even if I thought it would go nowhere.  I can't see that you have anything to lose.   I can't tell you the grounds of your complaint because I don't know the details of everything that has happened (you know better than I do)  and because I've found much of the story too difficult to follow.     But - based on everything you have told us - it seems to me that your brother has clearly committed fraud by obtaining the benefit of an insurance policy by falsely misrepresenting that he was opening the policy on your behalf and also by falsely misrepresenting himself - or a third party - as being your husband.  If your brother could not have taken out that policy without making those misrepresentations, then he has committed fraud.  It doesn't matter whether the victim was Aviva or you  and it doesn't matter if the victim realises they've been defrauded or not - the police should investigate it properly.  In this case you are the ultimate victim of the fraud because Aviva are saying that you owe them for the premiums on the policy your brother fraudulently took out, so whether Aviva consider they were the victims of fraud or not is irrelevant - they don't care because you end up as the fall guy.  Point out that this may have ended in a civil dispute over a debt between you and Aviva, but that that debt directly arises as a result of your brother's fraud in claiming to be acting on your behalf and by impersonating your brother.   One of the reasons the police seem to have dropped this case (and this needs to be one of your main grounds of complaint I think) is that they have accepted without question your brother's statement that your husband was somehow involved or in some way agreed to your brother taking this policy out in your name, and the police have simply and uncritically accepted your brother's word on that without ever speaking to your husband, who would vigourously deny it.    (I can't make any better suggestion than that because, to be honest, I don't follow what has happened.  If you never authorised your brother to open this insurance policy at all then I don't understand why the police would place any importance at all on your husband being present at a meeting with your brother.  What did your husband's presence have to do with the insurance policy?  Even if he had been at such meeting (which you say he denies) then how could he authorise anything on your behalf?  None of it makes any sense to me and I can't see why the police would think it did.)   Challenge the police to explain to you why they believe there is insufficient evidence to pass this on to the CPS   I would follow the published complaints procedure of the police force in question and I would also send a copy to your local Police and Crime Commissioner.   I think the main problem here is that (despite what the nice woman PC may have suggested to you) the police have never considered you to be the victim.  You need to demonstrate to them via your complaint that you are the victim here.   One other question: is your husband and are your family supporting you through this, or are you going it alone?
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Churchill DCA claiming I owe octopus energy - never used them


nizito
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Hi there I hope someone can help me.

 

Today my sisters partner received letter from debt collector that he owes gas and electricity bill of 363.7 pound which they never had been used this  company for gas and electricity 

 

he  don't own anything to anyone and I don't recognize the debt. 

 

The debt collection is Churchill Recovery solution limited .

 

He wasn't at home but someone else opened the door and the collector give him the letter. 

 

 Please if someone can help give advice on what we should do? 

 

Thanks very much in advance 

 

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What is the name of the actual Gas/Electricity supplier this debt is allegedly owed to ?

 

Have they moved address at some point in recent years, possibly not paying a final bill ?

 

I would advise that your sisters partner contacts the energy supply company this debt is allegedly owed to and asks them to supply evidence.  i.e. a bill with details of how the amount was calculated.

 

Very unusual for any debt collection letter to be personally delivered.  What does the letter actually say ?

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

 

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Churchill usually only chase old/bogus utility warehouse energy debts.

 

best idea is to simply IGNORE THEM.

 

they ARE NOT BAILIFFS

and have 

ZERO legal powers on ANY DEBT.

 

if he calls again

FILM HIM ON YOUR PHONE

tell him to leave the property and never return else you'll call police 101.

 

NEVER EVER PAY A DOORSTEPPER DCA...they pocket they money!!

 

its a scam!!

 

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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Hi dx  thank you very much 😊 they used to send letters before but now someone come to give the letter to the house. The letter says if you don't take action they will apply to local magistrates for permitting entry to the house and install pre payment meter.  My sister never used this energy company or own money to any company for gas or electricity. 

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urm...does it say WILL anything?

it should also state who their client is?

who's that?

 

can you scan it up to one PDF after redacting properly read our upload guide.

 

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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57 minutes ago, unclebulgaria67 said:

What is the name of the actual Gas/Electricity supplier this debt is allegedly owed to ?

 

Have they moved address at some point in recent years, possibly not paying a final bill ?

 

I would advise that your sisters partner contacts the energy supply company this debt is allegedly owed to and asks them to supply evidence.  i.e. a bill with details of how the amount was calculated.

 

Very unusual for any debt collection letter to be personally delivered.  What does the letter actually say ?

Hi uncle bulgaria the company name is Octopus energy. They moved address but they never had have used this company and don't own old bills.  The letter says that if thry don't take action they may apply for permitting entry to local magistrates court to obtain a warrant of entry to your premises to Install pre payment meter where necessary. 

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9 minutes ago, dx100uk said:

urm...does it say WILL anything?

it should also state who their client is?

who's that?

 

can you scan it up to one PDF after redacting properly read our upload guide.

 

dx

 

Hi dx I attached the letter here.

debt letter.pdf

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  • dx100uk changed the title to Churchill DCA claiming I owe octopus energy - never used them

Says may not will..  

 

Is octopus still going?

 

Pers I'd be inclined to WRITE to them and complain

 

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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3 minutes ago, dx100uk said:

Says may not will..  

 

Is octopus still going?

 

Pers I'd be inclined to WRITE to them and complain

 

Dx

 

 

You mean complain to the octopus company? 

 

2 minutes ago, dx100uk said:

Says may not will..  

 

Is octopus still going?

 

Pers I'd be inclined to WRITE to them and complain

 

Dx

 

 

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Yes

 

just type no need to hit quote

 

 

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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Suspect Octopus provided energy to previous occupiers and when moving in there was a delay in arranging own energy supply contract.

 

Was there a delay in arranging energy supply contract when moving in ?

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

 

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

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Might be worth asking your current energy suppliers about this, as they can check the history of supply at the address.  They can tell you whether Octopus supplied the previous occupiers and the date that they stopped being noted as the supplier for the address.

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

 

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

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This letter... Who is it addressed too..the occupier?

 

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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She told me they never used octopus before neither here  to her current adress or the  previous adress.  the previous adress they had pre payment meter not contract.  At current adress she said they are the first occupiers. 

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Perhaps forward a copy of the Churchill letter to Octopus, advising that there appears to be a mistake, as there has never been any evergy supply arrangement with Octopus. Provide address details and dates you have lived at the addresses.

 

[email protected]

 

Octopus Energy Ltd
1 Upper James Street
Soho
London
W1F 9DE

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

 

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

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