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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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Electricity issues


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When was the last time that you phoned your gas or electric company to give them an up to date reading? According to industry regulations they only have to read a domestic meter once every two years.

Most of your bills are estimated and because the amount seems reasonable you don't query it, however should you decide to change supplier, either the new or the old supplier may request that you give a closing read and suddenly you have a bill in excess of £200 or £300 because everything was estimated up to that date. You then have no choice but to stay with your current supplier in order to pay off your bill because they under estimated and they continue to hit you with high charges as they know you are now locked in.

It is a brilliant tactic and helps the company keep their customers and you are the one suffering as you cannot enjoy a lower price from another company. This is actually anti-competitive.

In order to avoid this I strongly suggest that where possible you give readings to your supplier at least every 3 months. Monthly is obviously better. Also if your bills are over estimated they are taking money from you and enjoying the interest. Imagine if they over estimate £10 on the bills of a million people, the interest is quite handsome.

Initially you may have a high amount to pay off, but once you have paid it, you are free to chop and change and the end result is the market becomes more competitive and forces prices down.

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Here's a good one; when they change your direct debit as a result of estimated readings!!

 

I had a year of estimates, and at the end of that year they said that according to their calculations I would use XXX gas next year and accordingly my payments were put up from £34 pcm to £43 pcm!!! When I checked my reading, it appears that they were so far out that they had to revise my payments DOWNWARD...

 

like the OP said - BEWARE!!!

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Yup, good advice - I always double check my bills against meter readings (and have even been known to go through the calculation to make sure it's correct!). The one I'm having difficulty with at the moment is the water, since the meter's below one of the manhole covers outside and none of us in my block have a key.... BTW, if you're with SWEB and sign up for their "Read. Reduce. Reward Scheme", they'll email you each quarter with a reminder to submit your meter reading online (and you can earn Nectar points too!) Cheers Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

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  • 2 weeks later...

From this July they will only be able to ask you to pay arrears going back 2 years.

From next July it will be 1 year.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 6 months later...

There seems to be a lot of debate regarding some electric suppliers over charging and using bully boy tactics to get customers to pay up. Perhaps the administrators could consider opening a forum for this issue. I can advise on electric issues for domestic customer as I work in the industry and help steer people in the correct direction where possible. Our company supplies commercial customers so there should be no clash of interest. I cannot advise on where to find the cheapest supplier but there are sites where you can decide what is best for you. The only drawback is that sometimes you may need to wait a few days for a reply from myself.

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Good idea - I'd certainly welcome a dedicated forum considering the problems I'm having with NPower.

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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  • 2 months later...

About two weeks ago my eighty year old father kept receiving telephone calls from a DCA called "Robinson somebody" or other, demanding from him my contact details. It seems that PGEN had handed over a default amount of £65 to the DCA as arrears.

This stemmed from an amount of £196 which I owed PGEN and I happily pay them in instalments of £32 per month until end of December. I then cancelled the standing order as I thought it was finished and the bill paid up. PGEN did not even bother to send me receipts for every payment or a warning that I still owed them some money.

Originally PGEN tried to bill me for nearly £350 until I pointed out to them the error of their ways and eventually they reduced it to £196. It took them approximately 4 months to sort out this mess and it was me that had to keep phoning them.

I contacted the DCA, made an offer to pay when it dawned on me that I had never given PGEN my father's contact telephone number and the number was unlisted. At the time when I was negotiating with PGEN on the outstanding amount, on more than one occasion, I told PGEN that it was my father's address and that it was a mailing address only as we would be travelling.

The only way that the DCA could have got my father's telephone number is by accessing the unlisted telephone numbers list or by PGEN supplying them with that information as my father's power is with PGEN.

Either way I am sure that it is a breach of the Data Protection Act and as it is a DCA involved I think I should pursue it all the way down the line as I have nothing to lose as the bill is now settled. I want to make them squirm for a change as breaching the Act is quite a serious offence and may also force them to disclose how they go about obtaining information on people. May even get some compensation for the inconveience.

Do you think I should give it a go and nail the DCA or just walk away and forget it ever happened.

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  • 3 months later...
From this July they will only be able to ask you to pay arrears going back 2 years.

From next July it will be 1 year.

 

Could you please post linking to or provide more details regarding this ? Thanks :)

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Warning british gas rip off,

Have had my electric bill reconstructed by BG there idea,

I suddenly owe £1600 back dated 2 years as there new calculations cost on todays unit price of 11.14 per unit as 2 years ago it was 5.28

i will fight this all the way , so this must be happening to otheres.

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Yup, good advice - I always double check my bills against meter readings (and have even been known to go through the calculation to make sure it's correct!). The one I'm having difficulty with at the moment is the water, since the meter's below one of the manhole covers outside and none of us in my block have a key.... BTW, if you're with SWEB and sign up for their "Read. Reduce. Reward Scheme", they'll email you each quarter with a reminder to submit your meter reading online (and you can earn Nectar points too!) Cheers Michael

 

 

I used to work for severn trent and I know that their policy (I dont know if they actually HAVE to do it) was that if the meter was outside the house and the person person affected couldnt easily access the meter they HAD to send a meter reader out to read it

 

however this can cause another pitfall, meter readers CAN (not all of them) be lazy so and so's and there do what is known inside the industry as a 'van read'

 

i.e they drive past the house, dont bother checking the meter and 'estimate' a read and submit is as a true meter read!

 

so my advice would be if you have an external meter, request that someone reads it for you (if you cannot easily access the meter) and make sure you are there when they do it!

claim v natwest WON!

 

all posts made by myself are without prejudice

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Warning british gas rip off,

Have had my electric bill reconstructed by BG there idea,

I suddenly owe £1600 back dated 2 years as there new calculations cost on todays unit price of 11.14 per unit as 2 years ago it was 5.28

i will fight this all the way , so this must be happening to otheres.

 

This practice surely is illegal. Its like buying a 2 year old car at brand new prices. Im pretty sure the principal that applies to retail should apply to this. If it is labeled at 5.28 pu then you pay that, irrespective of arrears. If a shop charges a customer more due to a recent price change, even though they have a written quote then that is illegal, isnt it?

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From this July they will only be able to ask you to pay arrears going back 2 years.

From next July it will be 1 year.

 

 

i thought this only applied to where the Co. has failed to charge you the correct rate, i'e they have not updated your meter, then suddenly hit you with the back-dated new rate?

 

so thus, it does not apply to outstanding debt through non payment or estimates that latterly turn out lower than real usage?

 

might be wrong though

 

dx100uk

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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what i carnt understand with this, is that i have always had my meter officially read,

and there figure goes some 11000 units back to a estimated reading

but they say they havent backdated the reading,

they say they are ignoring the official readings and cancelling all my previous bills and re-constructed my account { no explanation as to why } they say they are forwarding my new account details.

 

It doesnt sound right does it.

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Warning british gas rip off,

Have had my electric bill reconstructed by BG there idea,

I suddenly owe £1600 back dated 2 years as there new calculations cost on todays unit price of 11.14 per unit as 2 years ago it was 5.28

i will fight this all the way , so this must be happening to otheres.

 

With referance to this item i have just phoned BG to see where my account details were. i was told i now have an accounts manager and was put through to him,

He told me my account wao OK and no money outstanding,

Why have they suddenly said this is it because i was threatening them with further action,and intended to fight all the way.

They say they are sending a letter explaining everything.

If i hadent of been streetwise then BG would of ripped me off,

But this practice needs stopping.

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  • 11 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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