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    • The problem with these small debt amounts is that they can hang around like a bad smell. Every now and again you will start to receive letters followed by phone calls. Then it will go quiet and you will have another debt company chasing you. This could go on for many years.   Ignore DCBL as advised.   Send a complaint letter to ELE/Engie, asking why they have asked DCBL to chase a debt, when ELE have never sent any such bill to you. Then explain that you received a final bill relating to address xxxx and you paid it. If somehow there had been a billing error, ELE were advised of your new address, so they should have written to you at the new address.        
    • Of course it could be the same company trading under variations of the same name in order to dilute their bad reputation. In terms of the money you paid, section 15 of the Supply of Goods and Services Act says that where a price for services has not been agreed then a reasonable price will be implied. I gather from what you have told us that they give you the price in advance and you agreed. I'm afraid that on this point, you would be bound to pay the price because contract law does not help people to make good bargains. It simply requires the people stick by the bargains they have made. On the other hand, if they undertook to do a certain job of work and to achieve a certain result – and that result wasn't achieved then you certainly have an action against them. The problem is that a company like this may be difficult to get hold of unless they have got a very clear office or workplace and some assets. The second problem is that you would probably be required to have given plumbforce the opportunity to come back and try again – and unfortunately you didn't do that. This means you tried to make a claim against them, they would probably argue that these plumbing problems they always take one or two goes to fix and that a reasonable person would give them an opportunity to sort it out before going elsewhere. I'm sure you're absolutely right and these people are completely overpriced – and it seems that they have done a bad job – and of course the reviews don't do them any favours. However, I think you're going have difficulty getting your money back on this – although if you want to try, will be very happy to help you – but I'm sure that it will go to a small claim in the County Court. Of course this would be an interesting exercise for you if you have the energy. It's quite simple – but of course you do risk your claim fee and your hearing fee if you lose. I can imagine that if you produced evidence of their reputation and what has happened in court that the judge will be disposed to find in your favour regardless of the arguments which I have suggested that they might put forward. The final risk could be that they would say that you are only entitled to recover the cost of the second plumber required to finish the job that you had paid Plumbforce for. In other words about a hundred quid. It's not a bad argument – I don't know if it is a winning argument – and as I probably wouldn't bother to be represented, they might not think of it for themselves. However, I'm just letting you know of all the possibilities in this problem. Of course I think one of the lessons view is to make sure that you get at least two quotes for everything – even if it seems to be an emergency. When your new home, it's worth making sure that you gather a list of reliable support services – either from your experience or from the experience of neighbours who will already have been through it. That way you can be reasonably certain that if you have any other problems with heating or lighting or water – et cetera, you will have one or two numbers to hand that you can call on with a certain amount of confidence.
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restlessbankboy

should I even try?

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Hello,

 

sorry for the slightly negative title - just trying to grab attention. :)

 

Basically I'm about to be charged £100 for going overdrawn during december and november. The charge is due to go out next saturday (13th Jan) and when I called to try and get it waived I was offered £50 off the total (it was originally £150) - they said this was because it was the first time it's happened (which I find hard to believe).

 

Now I appreciate that compared with what some folks on here have been charged £100 is a paltry sum. But it's not paltry to me, I'm a temporary worker getting paid weekly (hence going back and forth over my limit) and £100 is the bulk of my take home pay for the week - and surely the bottom line is they shouldn't be charging it to me in the first place?

 

I've been informed that no human being on the phonelines is willing to drop the fees in full and so I have to write to the Arlington Address - the reply will be within 8 weeks, they say.

 

So in short I have two (and a half) questions:

 

1) does anyone know of another way of trying to get the full charges waived before they're taken out? the clock is ticking.

 

2) if i can't sort this then is it worth pursuing for a mere £100? i feel like i'd almost be insulting the people who've been charged so much more - also have i prejudiced my claim by accepting the £50 waived already? I did so before looking at these forums.

 

thanks - and good luck to all who are claiming. I actually work for a bank (not HSBC) and know exactly how much admin work goes in when an account goes overdrawn.... it's precisely 0.

 

best

 

rbb

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Hello,

 

sorry for the slightly negative title - just trying to grab attention. :)

 

Basically I'm about to be charged £100 for going overdrawn during december and november. The charge is due to go out next saturday (13th Jan) and when I called to try and get it waived I was offered £50 off the total (it was originally £150) - they said this was because it was the first time it's happened (which I find hard to believe).

 

Now I appreciate that compared with what some folks on here have been charged £100 is a paltry sum. But it's not paltry to me, I'm a temporary worker getting paid weekly (hence going back and forth over my limit) and £100 is the bulk of my take home pay for the week - and surely the bottom line is they shouldn't be charging it to me in the first place?

 

I've been informed that no human being on the phonelines is willing to drop the fees in full and so I have to write to the Arlington Address - the reply will be within 8 weeks, they say.

 

So in short I have two (and a half) questions:

 

1) does anyone know of another way of trying to get the full charges waived before they're taken out? the clock is ticking.

 

2) if i can't sort this then is it worth pursuing for a mere £100? i feel like i'd almost be insulting the people who've been charged so much more - also have i prejudiced my claim by accepting the £50 waived already? I did so before looking at these forums.

 

thanks - and good luck to all who are claiming. I actually work for a bank (not HSBC) and know exactly how much admin work goes in when an account goes overdrawn.... it's precisely 0.

 

best

 

rbb

 

Hi RBB

It's never not worth pursuing no matter what the amount an unfair charge is an unfair charge and no you haven't prejudiced your claim by accepting the £50. As you say you have contacted them this is why they have offered you the £50, that would have been my advice. I would say that there is very little hope of the charges being waived at this stage and the only advice I feel is the right advice is unfortunately to go through the claiming process which will, as you are aware, take time. Do you have any other charges that you need to claim or is this only one? Perhaps as the amount is so little they might settle sooner (we can hope!!).

Sorry I can't be more help!

Boo


;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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I agree with Boobaby!

 

Whether it's worth going to court for depends on how determined you are, but check that these are not the only charges you can claim for...... If you go to court...go for ALL they owe you!

 

 

At present though, just don't take no for an answer and keep writing to them!

 

If you have to stop the charges because the money is covering your living costs or bills and the charge will make it worse for you, then exercise your first right of appropration to your money.

 

The bank won't like it though! They may threaten you with blacklisting, closing account etc. If they do however, ask them to put it into writing so that you have the evidence when you complain to OFT.

 

I've learnt to get everything in writing!

 

I think if you kick up enough fuss they will relent in your case, especially if it is the first time! You are right to fight it though, if they can they will keep charging every month.

 

I believe there are apropriation letter templates that may be used if you need to go down that route.

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thanks. I probably will pursue it. I feel let by down them. I've had this accounts since i was 11.

 

I'm not aware of any other charges. i doubt there have been any.

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If you have to stop the charges because the money is covering your living costs or bills and the charge will make it worse for you, then exercise your first right of appropration to your money.

 

could you point me in the direction of this bit of the forum? I'm finding it a little hard to navigate.

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Good luck!

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