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    • Thank you honeybee if you would my head is mashed now. You guys our savers.  H
    • You can edit the answers to be in red or would you like me to do it? HB
    • Apologies dx100uk  I did not put the answers in red  Thank you all for your patience. H
    • Which Court have you received the claim from ? Northampton  Name of the Claimant ? Overdales solicitors  How many defendant's  joint or self ?  Self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  13 may 2024 What is the claim for – the reason they have issued the claim? the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account 4546384809766042. The defendant faild to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. The dbt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?   Not to my knowledge. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  Online but it was for a smaller amount they kept on increasing this with me asking Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  It was assigned to a debt collection agency  Were you aware the account had been assigned – did you receive a Notice of Assignment? yes  Did you receive a Default Notice from the original creditor?  Yes I also made offers to pay original creditor a smaller amount but was not replied to Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  No Why did you cease payments? I was made redundant and got a less paid job I also spent some time on furlough during covid and spent some 3 months on ssp off work. What was the date of your last payment?  May 2021 Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes at the time I communicated with all my creditor's that I was running out of funds to pay the original agreements once my redundancy money ran out that was when my accounts defaulted. I then wrote to all my creditor's with pro rata offers of payments but debt collectors took over the accounts.
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British Gas ongoing problems


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Hello, my name is Chris and aswell as saying hello, am checking my posts pop out nicely.  I have  an ongoing problem with British Gas(which shouldn't have become a problem at all), which has cannonballed into recently involving the Energy Ombudsman, Ofgem and I even, hasten to add our government because I am at wit's end. I have a couple of questions. What I write is likely to be mammoth size, I really would like to indicate why I am at wit's end, and as far as I am concerned (conjecture and opinion) its an indication of the inadequacy of our country's system that since and including John Major has been deliberately brought in to be such. Anyway hello and my 2 questions are 'Can I post photos and if so how, are there any instructions?'  and secondly,  'To what extent can I mention names in what I post, first names only, second names? only, both allowed where known? quoting or gist acceptable, do I need to even though its case and should be anyway, state it's a truthful and honest account?'  It's been ongoing for over a year now on something which I am guessing should get sorted in maybe a month for most people, and I would actually like to go into fuller details than I've even said to them because I feel its important you know that I HAVE been significantly hindered and am living under that still as I speak/type. 

Hello, my name is Chris and aswell as saying hello, am checking my posts pop out nicely. 

I have  an ongoing problem with British Gas(which shouldn't have become a problem at all), which has cannonballed into recently involving the Energy Ombudsman, Ofgem and I even, hasten to add our government because I am at wit's end.

I have a couple of questions. What I write is likely to be mammoth size,

I really would like to indicate why I am at wit's end, and as far as I am concerned (conjecture and opinion) its an indication of the inadequacy of our country's system that since and including John Major has been deliberately brought in to be such.

Anyway hello and my 2 questions are '

Can I post photos and if so how, are there any instructions?'  and secondly,  '

To what extent can I mention names in what I post, first names only, second names? only, both allowed where known? quoting or gist acceptable, do I need to even though its case and should be anyway, state it's a truthful and honest account?' 

It's been ongoing for over a year now on something which I am guessing should get sorted in maybe a month for most people, and I would actually like to go into fuller details than I've even said to them because I feel its important you know that I HAVE been significantly hindered and am living under that still as I speak/type.

 

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Not quite sure what you are trying to say but anyway please could you avoid posting solid blocks of text because it is extremely difficult for people to follow – especially if they are using small screen such as telephones.

I have restructured your post above. Properly spaced and punctuated please.

Thanks

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No need to post photos and no need to add names of people you have had dealings with.

Just provide a short summary of what problem you are facing and a chronological list of what has happened until now. 

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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Posted (edited)

I view what '"bankfodder" said very rude.

How he started it was literally an unnecessary comment AND RUDE,

what was said was understandable so to reply with frankly a worse for informing (in his case where a necessary specific should be) is frankly ridiculous

and read his reason for editing too,

and read punctuation in main piece (on a cloud, above a person, RUDE!) especially bearing in mind what I now say next.

My post was in the 'Welcome' tab/section as you people know.

You guys have moved it.  Username "Unclebulgaria67'" retitled my title which was 'Hello' with a capital H to what he's changed it to referring to British Gas.

I have a screenshot saying it was him/her!.

YOU MAY NOT LIKE THE FACT YOU WERE RUDE TO SOMEONE POSTING IN THE WELCOME AREA BUT YOU WERE, PLEASE PUT IT BACK HOW IT WAS and where it was,

coverups aren't very nice and I notice "bluenosebear1987" has changed his street talk 'broh' style comment away from end to his sentence.

What was infront of BF was understandable and part of a hello intro!!!! thus fuller explanation was unnecessary.

Please put it back in the Welcome Area and stop being dishonest, and put the title back to "Hello".

(I see in your moving the post from Welcome Area to here and renaming it away from Hello you have also removed Bankfodders curt

[WHERE succinct should be

(as there wasn't much wording space in that tailored for small explanation area)] and rude comment insert).

 

Edited by dx100uk
we dont want a block of text..this is not facebook..it's a forum
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The title was changed so that people know the issue and the company we're dealing with. "Hello" isn't a very good title. 

The post was moved from the "welcome" channel to the Utilities sub-forum so that it's in the correct place for you and others and to ensure any help received is correct.

There is no cover-up here, everything is public.

And most importantly, no one was rude.

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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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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now do you want help or just come here to rant at the 1st chance.:noidea:

is this indictive of why you have this issue with BG?

there isn't one really just you being pedantic?

now give us a chance to decide lets have some info.

we don't accept .jpg picture files as they are displayed directly to screen whereby anyone members or not can see them, hence we require a multipage pdf properly redacted.

theres a good upload guide to read on that.

so ball is your court... we still would help our worst enemy regardless .

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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