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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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Scottish Power


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Scottish Power have just put my monthly payments up from £63.50 a month to £260.00 a month!!!!!!!!!!!!!!!!!!!!!!! :-x. I physically cannot afford this what do I do?

 

There was some discrepancy on our meter readings a while back and whether or not we had a faulty meter or what I dont know but Ive checked the readings appearing on my bill now and they match up to the ones on my meters. Im scared ****less - I am not working at the moment on full pay as Ive just had a baby so on maternity leave for the next year.

 

What do I do? My husband is going mental at me Ive explained I cant do anything til Monday when their lines are open.

 

If I suggested a payment plan to them to cover my suggested bill of £2500 for the YEAR (we only live in a 2-bed house) do you think they would accept it? Can they cut me off?

 

Im really scared. :(

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007

 

 

Nationwide... you're next...

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Switch to a cheaper provider maybe. worth a look at some of the witching sites as you may be able to get some money back as well

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You need to discuss payment arrangements with them immediately.

 

They cannot cut you off - absolute worse case scenario is they will fit a pre-payment meter but you should be able to set up a payment arrangement to avoid this.

 

Also do as NWSM suggests - dig out a recent bill and go to one of the comparison sites like uswitch.com and find a cheaper provider!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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I'm just recovering from the same situation (well, I didn't owe quite as much) with NPower, whose customer service is the worst I've ever encountered. I suggest you go and see the Citizens Advice Bureau about this - they will work out a payment plan based on your income and the electricity company are more or less obliged to accept it if the CAB have drawn it up based on your budget.

 

Given that it has risen so steeply, I would also suggest you take a meter reading and find out what your actual bill is. It is not acceptable for them to pluck numbers out of thin air and demand you make extortionate payments based on their "estimates".

 

Finally, when you speak to the CAB ask them to demand that someone comes round to check your meter is working properly. It could be that the meter is faulty.

 

However, I wouldn't hold out much hope for the above. Fuel costs have skyrocketed lately - I am currently paying around £100 a month for my usage in a one-bedroom flat. I live alone, am out at work all day, have my hot water turned off all the time (aside from the shower, which runs seperately) and only have the heater on in one room. In my case, NPower are refusing to send someone round to check the meter unless I take seven days worth of readings, and even then say I will be liable to pay the call-out cost if it transpires my meter is working fine. Since you can't switch suppliers while you owe them money, it basically amounts to extortion. I have contacted the industry watchdog energywatch about this and suggest you do the same.

 

This is the problem with privatising essential commodities - I blame Margaret Thatcher.

Gruffle Gaw vs Halifax - £1531.50: ***WON - cheque for £1966.78 received 30/09/06***:)

I'm not a legal professional and my advice is given without prejudice or liability.

If you found my post helpful, please click the scales on the left.

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Oh, and barracad is more or less right - while they can (I am told by the CAB) theoretically cut you off this is highly unlikely. They will be more likely to exert pressure on you to have a pre-payment meter fitted. You want to avoid this at all costs because a) they will take around 1/3 of the money you put into it off the arrears before you have even begun to pay for the electricity and you can probably negotiate much less with a payment plan and b) they will charge you MORE per unit. It's appalling that they extort more money for an essential commodity from the poorest and most vulnerable in our society, but hey, that's capitalism for you.

Gruffle Gaw vs Halifax - £1531.50: ***WON - cheque for £1966.78 received 30/09/06***:)

I'm not a legal professional and my advice is given without prejudice or liability.

If you found my post helpful, please click the scales on the left.

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Guh - we were shocked at how much our leccy bill was this quarter, we thought we'd been wasteful for the past three months! Now we know it's the companies themselves... I thought it was a fair bit higher than usual, what with our energy-saving lightbulbs and eco7...

-----

Click the scales if I've been useful! :)

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The trouble with these averaged payments to account, is that the company itself calculates your future consumption based on the ptrvious year, adds for inflation then tell you how much it wants. Just like DD, it's a double whammy. It's supposed benefits of averaging the cost across the year are laudible, but the fact consumers are giving way their right to manage their own affairs makes me wonder if it's worth the effort.

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  • 6 years later...

Hello i know that this may not be the place to put this, but my computer wont let me create a new thread, so if someone could maybe put it in a new thread. I am currently Moving house and wanting to take scottish power with me so i dont have a large bill to pay upfront, but when i applied to do it online it said i need to reapply for my services but it calculated my monthly payment at 124 pm whereas im paying 72 pm at the minute and i cant afford a 50 pound increase. Does anyone have advice on what i can say to them to get the price down? A friend said i should just tell them because it will even out over the summer they should keep it as it is?

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7yrs old thread!!

 

 

see the link below upon how to start a new thread

 

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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