Best to check your credit file, Noddle is free, to see if the debts appear on there.

Complain to them in writing to keep a record of what is said. They can be beaten. I wrote to them on behalf of a friend who had paid his £300 policy in full with One Call, he needed to cancel it as he was selling the car, they offered him £12 refund as he had run the policy for just over 9 months. I wrote him a letter complaining and they refunded him £110. Work that one out.

My Utility Warehouse Nightmare and how I solved it Where do I start with this company. I met a distributor for Utility Warehouse (UW) back in early April 2014 at a Model Railway Exhibition. He was a nice chap (so I thought) and he told me he could save me money on my utility bills. Both my Gas and Electric are on Prepayment Meters but my TV, Telephone and Broadband contract with Talk Talk was due to end in May 2014. He made an appointment with me to come to my house (on my week off work) and he would show me how I could save money. When he arrived for the appointment in the middle of April 2014 I informed him that my contract for the TV, telephone and broadband I had with Talk Talk didn't end until the 20th of May 2014. My mobile phone contract (also with Talk Talk) does not end until August 2015. The Distributor directed me to his website (all of the UW distributors have their own sites) and I followed his instructions on how to sign up. As I was filling in my details on the site I did remind him that I was still in contract with Talk Talk for my TV, telephone and broadband but I was worried about any Early Termination Fees for ending the contract by changing to UW. Distributor told me not to worry as UW would refund me any fees I get charged as I would be a ‘Gold Customer’ provided I gave UW details of when my contract for my mobile phone ended. I followed his instructions and when I finished doing what he asked he left and I was rather happy. My telephone and broadband were changed over to UW at the end of April 2014. I then received a bill from Talk Talk for over £200, upon checking the bill I found that £200 had been charged to me as an Early Termination Fee. I downloaded a copy of the bill and telephoned UW asking for an email address in order to reclaim the fee as the distributor had told me previously. I emailed UW the copy of the bill and they telephoned me a few days later informing me that they would not pay the Early Termination Fee from my old supplier as I was not a ‘gold customer’. I told them the conversation with the distributor but they were adamant that I was not entitled to the payment. I contacted the Distributor by text message then by email. He was useless and told me to go back to my previous supplier. I telephoned UW with a verbal complaint outlining how this Distributor had missold their services to me. My main point was had I known they would not pay the Early Termination Fee from my previous supplier then I would have waited until the end of my contract then transferred my services. I received an email back from their Sales Quality Manager. He was as useless as the distributor. He dismissed my complaint informing me that as I had not transferred my Mobile phone contract then I would not be receiving the Early Termination Fee. I telephoned UW again to escalate the complaint. my complaint was dismissed as no-one would listen properly to what I was telling them. Unfortunately for UW I am a very persistent person who will not give up without a fight. I then decided to send an email to the CEO office of UW. I got a reply within a couple of days and telephoned the number on the email they had sent me. Finally someone had read and understood my complaint. On the telephone the lovely gent from the CEO office agreed that no-one would change supplier so close to the end of their contract without an incentive. He agreed to make a payment towards my early termination fee as well as release me from my 12 month contract with UW for my Telephone and Broadband. Well thats my story. Steer clear of Utility Warehouse and if I ever see that distributor again I have a few choice words to say to him.

Ok so I went to the local county court to hand the N244 in. I was told there is a fee of £50. I didnt have the money on me so the court staff advised me to send them an email stating that we cannot provide an amended defence by the deadline given (today at 4pm) as the Claimant has adhered to the deadline for providing the paperwork (which was the 6th of June). I also requested that the court issues sanctions against the Claimant for this. Had a reply from the court stating they received the email and will attend to it within 10 working days.

Ok all done. Getting it sent first class post tomorrow.

Ok. So where on the form do I put that they have not complied with court directions or have i already done that.

I havent got a witness statement or the statement of case!! I have filled out most of the form. Personal details I can fill in later. I have attached these for you to see. This is the page I have to attach to the Application as there is not enough room on the form. N244 Application Continued Page 1 3. (i) Each of the original creditors it is alleged the Defendant owes monies to (ii) The sum of money it is alleged the Defendant owed to such original creditors (III) The basis upon which it is alleged the Claimant has the right to recover the alleged debt. 10. Lowell Portfolio 1 Ltd and Defendant B Draft/ORDER Further to the Notice of Allocation and Directions IT IS ORDERED THAT: 1. The Claimants claim be struck out for failing to comply/respond with the court directions dated 23rd of May 2014 Pursuent to CPR 3 PD 3.1 & 3.3 2. The Claimants do pay to the Defendants costs forthwith in respect of this application. #### END OF ORDER ####

Thank you very much

Right I have the form Andyorch. Just need to fill out the following as I have done the rest myself, 3. What order are you asking the court to make and why? 4. Have you attached a draft of the order you are applying for? Yes or No 5. How do you want to have this application dealt with? With a Hearing, a telephone hearing or no hearing 6. How long do you think the hearing will last? hours and minutes Is this time estimate agreed by all parties? yes or no 7. Give details of any fixed trial date or period 8. What level of Judge does your hearing need? 10. What information will you be relying on, in support of your application? the attached witness statement the statement of case the evidence set out in the box below Sorry for the late reply I got called into work to cover for another member of staff. I want to get this sorted as soon as I can. Thank you for all your help so far.

Ok thank you. I will sort it later as I am heading to work.

I was looking to try and have the claim struck out if possible. They havent provided anything we have asked for. I sent a CCA request and CPR request in February which have had no response. Can you help me with this?

No. The full wording of the letter is here, Before the District Judge XXXXXX sitting at the County Court in (court name and address) Upon reading the file IT IS ORDERED THAT 1. By 4pm on 6 June 2014 the Claimant shall provide full particulars to the Defendant, and file in Court, of (i) Each of the original creditors it is alleged the Defendant owes monies to (ii) The sum of money it is alleged the Defendant owed to each such original creditors (iii) The basis upon which it is alleged the Claimant has the right to recover the alleged debt. 2. The Defendant has permission to file an amended defence provided the same is filed and served by 4:00pm on 20 June 2014 3. Thereafter the claim will be allocated to the small claimsicon track and further directions/notice of hearing issued. Dated 16 May 2014

Right we have gone past the 6th of June and heard nothing from BW Legal at all. What do we do now? Will I be able to have this struck out?

Ok I wont bother reminding them although I will ask the court to add the CCA request and CPR letters to the file.

Yes that sounds like a good idea. If I print everything off tonight then I will post it tomorrow when I finish work

Right I am back again. The claim has been transferred to my boyfriends local county court. He received a letter this morning. Before the District Judge XXXXXX sitting at the County Court in (court name and address) Upon reading the file IT IS ORDERED THAT 1. By 4pm on 6 June 2014 the Claimant shall provide full particulars to the Defendant, and file in Court, of (i) Each of the original creditors it is alleged the Defendant owes monies to (ii) The sum of money it is alleged the Defendant owed to each such original creditors (iii) The basis upon which it is alleged the Claimant has the right to recover the alleged debt. 2. The Defendant has permission to file an amended defence provided the same is filed and served by 4:00pm on 20 June 2014 3. Thereafter the claim will be allocated to the small claims track and further directions/notice of hearing issued. Dated 16 May 2014 Is there anything we need to do? We have still not received a copy of the CCA or anything from the CPR request both of which were sent in February!!

The court sent the Allocation to the small claims track. The forms were not well printed so I downloaded the form and printed it myself. I will send one copy of the N180 to BW Legal and the other to the Court. I will send them with proof of posting.

Ok. I can download the form and print it as the one they have provided is not a good copy. Do I have to send one to the court and one to BW Legal?

U best start your own thread for those questions. Received a Notice of Proposed Allocation to the Small Claims Track today. Is there anything we need to do? We have received nothing from the CCA request or the CPR request sent back in February!!

Thanks DX. I was hoping that I could get the claim struck out if they do not send any paperwork.

Finally received a reply from BW Legal. Although they have not provided any documents that were requested in the CPR from the 4th of Feb nor the CCA requested on the same date. Dated 26th of March 2014 they state We write with reference to the above matter. Our client intends to continue with the claim. Accordingly, please find attached copy correspondence sent to court. BW Legal. Do we send a reply if so what can I send back? I was planning to send them a CCA Fail letter as they have never provided it within the statuary 12+2 working days.

I would start by sending them a CCA request to see if they have the Credit Agreement first. Do not speak to them on the phone. Keep everything in writing. I am sure other Caggers will be along soon with more advice.

Thanks Uncle Bulgaria. I will get a letter sorted and in the post asap.

Because he told them he sold the vehicle they are cancelling it and charging him the £50

This is on behalf of a friend of mine. He owned a Classic Morris car which he insured with Lancaster Insurance at the price of £68 for a full years cover which he paid in full. Now he has sold the car and is getting something more modern. Lancaster Insurance told him that if he takes a new policy for his new car then they would waive the £50 cancellation fee but if he takes cover elsewhere they want £50. He was hoping just to transfer the policy over to another car but Lancaster Insurance quoted him almost £500 but he managed to get a much cheaper quote, almost half price, elsewhere on comparison sites. Now I feel a cancellation fee of £50 is excessive given the price of the policy for a year at £68. They even refuse to refund him for the 4 months which was left to run stating that once the policy has run for 8 months they don't refund anything. They even told him that if he had not sold the car and let the policy run he would only be able to transfer the NCD to another classic car. Can anyone help with this?