Thank you Homer67 it was just that bit of advice that I needed......I will attend the offices.......thank you again

Any help guys or advice please....what can I do

Hi Guys Please can you help me, allegations and threats were made to my family by our immediate neighbour during a heated discussion, it was stated that our current rental contract was being terminated in October, "we have a 24 month contract with a break clause in October", the neighbour who also rents from the same Landlord and Estate Agent as us, went on to narrate events at a recent private confidential meeting my family had with our estate agent and Landlord..... we were shocked at the level of private information being divulged by our neighbour, that only the Agent or Landlord could possibly know. We have requested on three separate occasions a meeting with our Estate Agent by E Mail who keeps fending off the proposed meetings, and wont meet with us, we have done nothing wrong, the threats of losing our home in October has tipped me into massive anxiety and depression, bad enough to seek medical help from my GP, who has referred me now back to my clinic for help What can I do guys, Im at my wits end Kind Regards Nick

I was incredibly annoyed that an insurance company could help themselves to my money from my bank account without my authority just because I paid by PaypaI, ( BIG MISTAKE) I had dialogue with Onecall through the Chat Portal, and it was agreed at the time to set up a payment plan after they gave me a ludicrous settlement figure of £455, which was reduced after with discussion to £130.67........ incredible I took the policy out in July 2022, which was for £640 worth of insurance £576 worth of repayments were made which should leave a balance of £64 to pay off.......the rest has got to be the cancellation fee £391?..........??????... it makes me sick....they know my personal circumstances.......and yet they still push this crap

HI DX, please could message me, I just need to understand your thinking and need re assurance that I am not digging an unnecessary deep hole with these people Thanks

Threatening Court Action Now? This is basically what they are saying now We are the debt recovery department of One Call Insurance Services Limited. We are contacting you about your unpaid balance of £155.67 following the cancellation of your insurance policy with One Call Insurance. As a result of the non-payment, and as detailed in the terms and conditions of your policy, we have included a handling fee of £25.00 in the above amount. You may have to pay default sums and interest in relation to the missed payments referred to in this notice. Please contact us if you would like fu rther details. This notice does not take into account any payments made after the date of this notice If you choose not to contact us, or to co-operate, court enforcement action will be taken against you and additional charges will be added to your file. To avoid any further action, you should choose one of the following payment options and respond to us within seven days from the date of this letter.

Thank you Uncle I will say they haven't updated the Bill yet however......but it is soon after Bank Holiday

Hi Guys Here is the response from Octopus, after the pre amble of Im sorry etc from Octopus. here is what they are saying sent the 4th of May to me.

Thanks DX

yes you guessed it they are still pursuing the £130.67, have stated they will not re apply to the bank to claim the amount, after the bank re paid it to me, One Call go on to say that if the alledged debt is not paid within 14days this will result in action being taken against me? Kind Regards, to all who read this

Thank you Unclebulgaria for your kind help and understanding

Hi Avatar I think you have hit the nail on the head, my wife and I have had words, seems that she spoke to Octopus and they gave us the recent STO number because of confusion so a new Account number was set up for this recent address, however she omitted to tell me that when she spoke to Octopus they alleged that they haven't receive a couple of payments. On checking the bank account, all payments have been received by Octopus..even though a couple are not showing on the Bills How should I play this guys?....there has been a mess up it seems....by Octopus....clearly we owe money but Im not convinced now its the amount stated by them

Hi Uncle Jan to March our payments of £110 are missing for the bills?....the government money payments have been included but not my payments?

Hi Guys I have attached the bills sent to me by Octopus Energy for you all to look at Octopus Energy Billing 2022 to 2023.pdf

Good Morning: UncleBulgaria, Brassnecked, And Bazooka Boo. Thank you Unclebulgaria for your advice yesterday of which I am now considering, also sorry for the late reply. Brassnecked, Thats interesting, no I haven't been submitting meter readings, although the meter readings sent to me by Octopus don't seem to far away from the current meter readings, ( Octopus Estimated Reading 56661 ) ( Live and Current Reading: 56534 ) Bazooka Boo: We cancelled the DD, and set up a SO due to the fluctuating monthly bill, this was agreed by Octopus, and an Email trail exists as can be seen above where Octopus agreed to the £110 monthly payments, however Octopus have now sent a threatening final demand letter, stating that we have never contacted them, when we have, and we have phoned them numerous times with a plethora of conversations, thankfully my wife has always reverted back to E Mails as proof of contact....and we have the email to hand stating they agree to £110...... So do you think I should press ahead with the complaint to them , or just cancel the SO and complain as suggested by Unclebulgaria above........

Hi I am being charged £125 to £132 every two weeks, so my £110 monthly payment which was agreed by Octopus Energy on the 12th of April is in effect going nowhere, I-am actually increasing the debt by £147 each month Im just so worried now, as you know I am disabled.......i really don't know what to do.....I just cant afford £257 per month on just electric

it appears I am being charged twice per month because I am on Standing Order? the following was agreed by the Octopus Energy Operator Hi Lisa, That's nots not a problem, I can see you have been paying by bank transfer, do you want to continue doing this or do you want to set up a direct debit. Kind Regards, Beth On Tue, 28 Mar 2023 at 04:35, I have previously written to you regarding this account explaining I have been in hospital and my husband has mental health issues and he didn’t change our account number on our standing order. As he is on benefits and I am a low paid key worker we can only afford the £110.00 we are currently paying as we are struggling with our rent and council tax increases too. I have updated our account to the correct number as of now Sorry about this confusion but I have written to you previously with no response Kindest Regards

Hi DX Interesting point, Im not sure, but I will try. Bank mentioned to send an SAR, you wouldn't by chance have a template would you? Kind Regards Nick

Morning Bank Fodder Thank you I will, hopefully we can get to the bottom of this, Im very very careful with my debts and know where the last pound is going from our budget account, so as you can imagine I am shocked, we are still paying Octopus?? Kind Regards Mr Kinson

HI And Good Morning I am disabled person and registered disabled. My energy supplier Octopus Energy allege we owe £467.16...... We informed Octopus we were moving away from paying Direct Debit due to the ridiculous fluctuating amounts taken from our budget account each month, we set up with Octopus a Standing Order the amount has been taken from our account each month with no issues, there wasn't any debt carried over when we dissolved the Direct Debit and set up the Standing Order, yet we keep getting debt letters through the door? My Wife has E Mailed phoned and contacted Octopus Energy, but we still keep getting these debt letters, when its clear to us that we do not owe this money, today we have received a Final Notice which is crazy, the letter states that we haven't made contact when we have, and we have the E Mails to prove it. So Im lost, we have never missed a payment to Octopus, all we did was move to a Standing Order. Kind Regards Mr N Kinson

Good Evening DX Thank you, lets see where they go with this, and thank you for your very kind help it is most appreciated

Hi DX Thank you for coming back to me. Am I allowed to keep the money then, I thought it was theirs? Kind Regards Nick

Hi dx, thank you for responding I spoke with the Barclays Fraud team yesterday, and they blocked One Call Insurance, surprisingly the money came back into my account this morning. When I first cancelled the insurance which runs out in July I was originally quotted £445 to terminate the agreement early I was shocked, however talking with the operator we managed to get the amount down to £130.67, as this has come back into my account should I contact the insurance company now and set up a payment plan to pay back the £130.67 or wait to see what the Insurance company do?.... my feeling is they will put the amount out to a debt collection agency Br Nick

Apparently One Call Insurance can claim back the outstanding amount because of something called "continuous authority" within their terms and conditions even though I didn't agree to a PayPal transaction, this is how unsecure Paypal is sadly This I never thought in a million years could be allowed to happen, it feels like legal theft Nick

Hi Uncle Thank you for responding to my complaint, I have as mentioned raised this with the Fraud dept of my Bank, who experienced first hand the level of distress this caused me, I have a mental health condition which severely affects my speech when in a stressful situation or suffer Anxiety of any kind, which this caused me this morning, I am registered disabled. Im appalled that this could happen and that Paypal could be used in such away Kind Regards Nick