Mandorallan
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Posts posted by Mandorallan
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Received today (29/06/2022) from Overdales :-
Dear Mr XXXXXX
Our client has instructed us to discontinue the claim and therefore we enclose a copy of the Notice of Discontinuance by way of service upon you.
We have filed the same at Court and have requested that any hearing that may have been listed is vacated.
We confirm that this brings the legal proceedings to an end.
It shows the account balance as £0.00
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Didn't get anything else - I got something for another court but, since the transfer, nothing at all.
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I get the feeling that I'm sunk on this one then - ho hum.
It took them 47 days to decide to proceed - can they do that?
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Checking on MCOL there's now a new entry -
DQ sent to you on 09/09/2021
DQ filed by claimant on 09/09/2021
Both of which are way after the 33 day limit.
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So should I hold fire and wait for that, or is there something that should be looking into?
I have to say, all these various forms/actions/timings are somewhat confusing to the lay person (even having read up the cases on here).
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One thing I find a little odd - MCOL lists the acknowledgement being received on the 29th of June and that the defence was received on the 26th of July. I've read that they have 33 days to decide whether to go ahead, which would be something like the 29th of this month - next Monday - is that correct? I only got the stuff back from them yesterday.
Sorry about the memory bit! Years ago (despite being ex IT myself) I used to set everything up as printed in filing cabinets - especially as credit agreements were actually signed with a pen on paper! Now with you being able to just "click", it makes the whole thing rather "nebulous" - and trying to remember what I clicked on 3+ years nigh on impossible.
I may have to go back to printing everything out...
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Yes, I've been reading through them - that's why I asked about mediation (that was one of the examples)
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So.... What should I do? Do I go for the mediation?
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I've only got the one PDF editor (I normally do everything in DOCX) - I opened it up again and it wouldn't let me undo the changes, so I thought that it was OK - hopefully this one's better. What do you use to redact stuff then?
There was a default notice from Vanquis - way back when - they included it in the bumph (I've included a copy).
As for signing - I have no memory, but I guess that it must have been online.
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Right - I've received a fairly weighty missive from Overdales...
With pages of transactions...
Apart from that, there's a missive from Vanquis from when everything went belly up for me... A standard agreement (as you would get if you just enquired about a card) with an overprint at the bottom of the last page with my name printed on it
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Nope - the email from this morning is the only communication that we've had.
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Just had the following land in my email:
QuoteDear XXXXXXXXX,
Complaint Reference: XXXXXXXXXXXXXXXXXXXXXX
An update on your complaintI would like to apologise that you have had reason to raise a complaint with SSE and want to reassure you that I am doing everything I can to help resolve this matter for you. I would also like to thank you for the patience you have shown while we work towards a resolution.
I am in receipt of your letter dated 27th July 2021 and I understand you are requesting a Subject Access Request for all information we hold about you.
I tried to call you but could not reach you so I left a voicemail message on your mobile telephone number and also I sent a text message. I have also sent off the form for a Subject Access Request to be sent to you. This information to be gathered and sent to you via email within one calendar month.
As all actions have not been taken to resolve your complaint, I have added your complaint into our diary and you will receive a call back from a member of our team within the next 6 weeks. However if you would like to discuss this sooner, please get in touch on: 0345 071 9853 where one of my colleagues will be happy to help. Our lines are open from 0830-1700.
We've not had any phones ring (so they may have an incorrect number for us) - it's taken them almost a month just to acknowledge the SAR...
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3 days to go then - what do I do if I don't hear anything?
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It was sent in - not heard a thing since.
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OK, so - the CAB suggested that I put in one of their standard letters demanding that they adjust my bill as, by OFGEM's rules, they can't bill for anything older than a year (to stop exactly this - estimated bill piling up a huge outstanding balance). So far I've not heard a peep from them - not even an acknowledgement that they've received either of the letters. Do I go to OFGEM now?
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Ah, OK - I've only received the acknowledgement of the defence this morning (posted on the 26th).
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Well, I don't know what's happening - I've been checking MCOL daily - the last thing on it is my defence. It seems like nothing's happened at all.
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Well, the SAR is off - signed for etc.
Interestingly I haven't had a new bill, as yet, but my account balance has suddenly jumped to £2,300....
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Not yet - it'll be going first thing tomorrow.
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I did it on their web site
- I got an estimated bill
- they'd ignored the reading.
Their own people came out and read it
- I got an estimated bill
- they'd ignored the reading.
I rang them and got the operator to update the reading (three times!)
- I got an estimated bill
- not only had they ignored the reading,
they reset it to an estimated value!
The last time they set it to a much lower figure that I never gave them, but shows on the bill as the current reading!
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I either have someone knock on the door or a get a letter asking me to submit a reading - which I do through their web site (so I am signed up). The problem is that they've been ignoring the reading and coming out with an estimate!
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I'm actually thinking of going through to the ombudsman about this - is that the way to go?
Lowell Claimform - old Vanquis Card Debt *** Claim Discontinued***
in Legal Successes
Posted
Will do! Thanks for all your help!