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    • That’s brilliant thanks for all the info, enjoy your evening.   Yeah, that makes a lot of sense about the F&F, definitely something worth considering to lower the amount of communications to deal with.   It’s good to know that newer debts can also be missing the documents needed, sounds more hopeful.   Thank you    
    • You are receiving what you bargained for / accepted, for both contracts (site access & tent). Did you book the tent for 4 nights, knowing you could only use 3. if the tent had been available for 3 nights only: you could have contracted for that. if it wasn’t, and your choice was “pay for 4 nights, get 3 nights use” or “don’t book” - you made your choice, and agreed a contract.   They are now offering others more, but provided you are receiving what you contracted for and no less, you don’t have a cause of action.   If you might get the extra tent night free, but only if you pay the access fee : you are still no worse off!   if you want to get “more value” from the tent contract : consider paying the site’s early access fee. If you choose not to you’ll still get what you originally contracted for so aren’t actually worse off, even if you feel slighted.
    • Hi,    I'm not sure if this is the correct forum for the following, and am looking for a general consensus or thoughts on whether i have cause to take action or not?  It's long winded but I've tried to be as concise as possible with the facts of the matter.    We booked a festival ticket for an event running from Friday to Monday, in addition we booked via a separate 3rd party company a luxury tent in that companies camp site within the festival. This was at a considerable cost.    Sometime after the purchase of the festival ticket, the organisers announced acts for the Thursday night and an early entry ticket for that night at a reduced cost.     We are not in a position to purchase an early access ticket, as we're unable to change our plans.  On the festival forum those who had purchased an early access ticket for Thursday entry questioned whether they would be able to have an extra night in the luxury tents, otherwise what would they do? The festival organisers said they would be able to. However when we queried the 3rd party they explicitly stated their site was not available on Thursday and would only be open Friday to Monday.  A number of other people reported the same response.   It was on that understanding that we did not actively try to make arrangements that would have allowed us to purchase an early access ticket.    Then all of a sudden the 3rd party changed its position and an email was received to say anyone booked into the 3rd party site would have a free night on Thursday if they had paid the festival organisers the small amount for the early access ticket.    It doesn't seem at all fair some can benefit from this, and some cannot, and I've no problem with anyone who does benefit.    I've messaged the 3rd party and they maintain the terms and conditions haven't changed, they've just added an extra free night that anyone with an early access ticket can take advantage of. This was not the case at the point of sale, because if it was we would have made arrangements to take advantage, instead we were only made aware after they changed their minds to permit this, and we're now not in a position to benefit.    I believe the terms and conditions have changed, and as a consequence I'm paying for a 4 night luxury Tent, and only receiving 3 nights.     I believe it is reasonable to receive either a refund for one night based on the cost now covering 4 nights, or a free night, and a refund of the cost of one night based on the original total of the 3 night contract.    Am i right or being stupid?   Thank you. 
    • Scotland - I know there are some differences when compared with England around statute barred, there may be others I'm not aware of so hopefully someone else is keeping and eye and will correct anything that is said.   I've plans this evening with the fam, so this may be rushed and I might miss something. Given you have so many accounts in different stages, it will be difficult to dig into each individually but the same will apply for all and we will get there   Priority debts are essentially anything that keeps a roof over your head. Anything consumer credit (CC, loan, store cards etc) are NOT priority debts.   Yes, that's what I meant, but really I just mean you will have choices with some saved in the bank. It makes sense on smaller accounts that you offer F&F to clear them IF they aren't already defaulted as it will just lower the amount of communications you will start getting - BUT defaulted debts will show on your credit record and affect you whether you pay them off or not, 6 years from the default, then they will disappear (could be 5 in Scotland, not sure)   You're quite correct that the older the debt, the more likely the paperwork is missing, but some of mine were very new (2020/21 also) and they couldn't provide the documentation..   Lets start here:   -  lower the pro rata on all to £1 (don't provide any income & expenditure info) -  CCA Request to each company that has bought the debt from OC (the last letter from OC will state they've been sold to xxxx) -  get access to credit file -  Forget your morals, they have none   For those debts already showing in default on your credit file and have been sold, you can stop paying entirely until you receive a complete CCA from them   I'll be back later   BT
    • Just a question out of curiosity. What will happen when the 6 years pass since all this began. By this I mean my moving out of the property and all that has followed? From what I can remember I definitely moved out either May or Jun 2016, as my dob is May and I moved out soon after celebrating it. So what will happen when 6 years pass, could someone please explain? Thank you 😊   
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Scottish Power put defaulted Account on my file, claiming i opened a new contract after i'd moved out of Rental


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Hi there,

 

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Just here looking for advice. I moved out of a rented property earlier this year. We notified our supplier the morning after we moved with the final meter reading (smart meter) and a forwarding address. Final bill came in the post and was paid on time. We assume this was done and dusted. But fast forward several months to now and I noticed my credit score showing a default, looking into it it's from the same supplier.

 

Naturally I contacted them by phone and email and was told several times everything was paid for and there was no default on the account. I obviously want this default removed and continued to email, today they've emailed back saying a account was created the same day I rang them to give the final meter reading and close it for the same property we have moved out from. In the email they attached a copy of the bill they sent to the old address which we obviously didn't get because we moved. In my name and new account number. This bill is dated from the day after we moved out and a further more 18 days. Honestly to think I would ring and close a account and set a new one up on the same day for the same address is ridiculous to me but apprantly that's what they saying.

 

So I have this default on my name, a bill for 18days after I moved out of the property(which we know was immediately moved into by a new tenant) I'm left wondering about this "New" account they've said I set up, I obviously never set up a new account and was not made aware of anything. Is this fraudulent? I'll be contacting them again on Monday to make a formal complaint and move on from there. Any advice is appreciated

Just here looking for advice.

 

I moved out of a rented property earlier this year. We notified our supplier the morning after we moved with the final meter reading (smart meter) and a forwarding address. Final bill came in the post and was paid on time. We assume this was done and dusted.

 

 

But fast forward several months to now and I noticed my credit score showing a default, looking into it it's from the same supplier. Naturally I contacted them by phone and email and was told several times everything was paid for and there was no default on the account.

 

I obviously want this default removed and continued to email, today they've emailed back saying a account was created the same day I rang them to give the final meter reading and close it for the same property we have moved out from.

 

In the email they attached a copy of the bill they sent to the old address which we obviously didn't get because we moved. In my name and new account number. This bill is dated from the day after we moved out and a further more 18 days. Honestly to think I would ring and close a account and set a new one up on the same day for the same address is ridiculous to me but apparently that's what they saying.

 

I have this default on my name, a bill for 18days after I moved out of the property (which we know was immediately moved into by a new tenant).  I'm left wondering about this "New" account they've said I set up,

 

I obviously never set up a new account and was not made aware of anything.

 

Is this fraudulent?

I'll be contacting them again on Monday to make a formal complaint and move on from there.

 

Any advice is appreciated

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Who please?

 

its always better to not ring as i bet you are not recording your calls?

 

Send them proof of your new rental move in date and advise them that the a/c is the responsibility of you old landlord to sort out and to remove the whole account from your credit file.

 

should they fail to do this within 14 days you will be raising a serious complaint with ofgen and the ico and WILL be seeking financial compensation for damage to your credit file without further written notice.

 

Dx

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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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Thanks for your input dx100uk

 

Quote

I will be recording the phone I'll be making Monday. My first hearing of this "New" account and overdue balance was in a email today and conveniently their call centre is closed. We unfortunately moved from our rental property and stayed with family for a couple weeks before then going into another rental, with the gap between I don't think our new contract would help. I am in contact with my old landlord, he says is going to help provide proof of our moving out. The call Monday will be my first official complaint, then Ombudsman and ofgem were going to be my next contact

 

I will be recording the phone I'll be making Monday.

 

My first hearing of this "New" account and overdue balance was in a email today and conveniently their call centre is closed.

 

We unfortunately moved from our rental property and stayed with family for a couple weeks before then going into another rental,

with the gap between I don't think our new contract would help.

 

I am in contact with my old landlord, he says is going to help provide proof of our moving out.

 

The call Monday will be my first official complaint, then Ombudsman and ofgem were going to be my next contact

Ill

Edited by BankFodder
Restructured in order to make it readable
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Please note that both my site team colleague and I have had to restructure your posts to make them a bit more accessible to people using small screens.

We would rather not to have to do this.

My site team colleague asked you which energy firm you are dealing with and you haven't addressed this question. Is there some reason for this?

You should certainly send your supplier an SAR. It's completely free and there is no downside.
It may well produce some interesting information and of course if they have been unlawfully processing then you have extra leverage against them for some compensation for the distress which they are causing you

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and we still dont know the offending supplier.........

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 put defaulted Account on my file, claiming i opened a new contract after i'd moved out of Rental

Hi

 

I would also recommend sending Scottish Power a Subject Access Request (SAR) for both Accounts (the one you closed on moving out and the supposed one setup in your name after you gave final meter readings).

 

Use this simple phrase 'ALL DATA' that covers whatever format they hold that data in whether in be phone call recordings, written, emails etc.

 

They then have 30 Calendar Days to respond and that Time Limit only starts once they acknowledge receipt of your SAR Request and do not ask you to prove identity which will then extend that time limit.

 

Something to note is since they say this other account was taken out by you when you gave your final meter reading as this was done by phone then they should have a recording of that call to prove this is what happened so in the SAR I mention above as well as asking for 'ALL DATA' also make a point of specifically asking for a copy of the recorded phone call where you took out this new account for said property.

 

If they can't provide that then where is their proof you took out that account or was it Maladministration by their Customer Advisor that you spoke with on the phone giving your Final Meter Readings.

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I would suggest that you hold off on any official complaint until you receive a statutory disclosure of your personal data.

After that we can figure out what is the best course of action. Official complaints generally speaking make absolutely no difference. They're not read by anybody important and they simply join the bucketloads of other official complaints that they are receiving all the time from everybody else.

You don't really know what has happened. You can only guess. Maybe a statutory disclosure will reveal a lot more about the story and then you will be in a position to take a far more targeted and effective action.
At worst they won't reveal anything you and then you can make an official complaint

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