Hiya Grek, To get more help on this can I advice you post it in the NatWest charges section of this forum. This is for vehicle retailers. Would be better for a quick response is all. From my understanding you can only go back 6 years but I could be wrong.

I cannot see them leaving it that late.

Only a guess here, but if he handed the keys to them isnt that like giving permission to remove it regardless of were it is parked.

No problem Zooman.

No problem, glad to of helped. I have received heaps of help on this forum and its good to give some back and gas and leccy is the only thing I know about lol.

They can only bill you for the last 2 years now, not before, if they did not send you a statment or bill. Now if you ask for a 7 day read (take a read every day for 7 days) they will work out your average consumption over a 12 month period. x this by 2 and that gives you 2 years consumption. Also then you can demand these 2 years be charged at the price per KWH that it was at 2 years ago because they never sent you a letter of notification of price increases. Dont let them charge you at the new rate for the full 2 years. Because that is what the system will try to do. Code of practice for accurate bills . edit >>>>>>> From July 2007, this will reduce to one year

Ahh cool thanks heaps.

What exactly does it meen to get a default. For example, I owe a payment on a secured loan which I can and will pay on the 4th September. I phoned the company up to tell them when I will make full payment and they replied "if it is not paid by the first of September it will go into default. . . . . I am not understanding exactly what the default meens.

If its based on estimated readings or none calibration of a prepayment meter it is not justified and their is a route to take for this. Also go to energywatch their is a HUGE thing going on with energywatch at the moment and all suppliers are running scared.

Thats right, the orriginal supplier will file an erroneous transfer on your request to the new (incorrect) supplier and you will not have to pay the incorrect supplier. Its quite a simple process if you get through to the correct department as it happens all the time. . . . If you need to find out who supplies you, the number for transco (national grid) is 0845 6013048 and for electric you can phone mpas (siemans) on 08701 963 082. Failing that I can find out for you if need be.

That is brilliant, I will send the letter and await response. I will let you all know how I go on with this. Thanks again. As i said before I work for powergen so if I can help in this area to anyone let me know. I will be on forum regular as it makes interesting reading whilst im at work.

unreal another brick wall. . . We're sorry that we cannot accept Maestro (Switch) debit cards at the moment . I cannot use that site. Maybe best to gamble and just send the letter off and see what response I get. lol. Unless anyone else knows a quick way to find out if ccj is on my account.

Thankyou Dolly, you have been an absolute star with your patience and help. ty

Thanks heaps, okies guess you know my next question. I have no credit card and need to find out if there is a ccj against me for this debt. I can use my wifes maestro if needed online.

Thankyou Phunkey, well looks like it is pointless sending the above letter because my guess is it was secured on the car. And the letter will just make the 12 years start afresh as it is written contract. Any other advise and how long is it off them getting my house.

36 MY Road, Leigh, Lancashire POSTCODE 25th August 2006 Ruthbridge Limited 43-45 Broad Street, Teddington, Middlesex, TW11 8QZ WITHOUT PREJUDICE Dear Sir/Madam Acc/Ref No 00000000/JH You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”. The last payment of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against us to recover the alleged amount claimed. The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statue barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”. I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. I look forward to your reply. Yours faithfully MY SIG MY NAME.

Aw thanks heaps Dolly, i will go look at the letters and await Zooman havng a look at this before sending it off. Really do not want to make any mistakes as cannot risk losing my house. tyty. Never seen my credit file but am really sure it is not on there as I have recently had a loan from Welcome finance who did a credit check on me and I passed so I am sure they would of noticed me owing themselves money. But this is why I am reluctant to send off a barred letter just in case it is not barred and I admit in that letter to being responsible.

Okies, so could somone please point me in the direction of the correct letter to send .

Brilliant so it seems it is 'statute barred' . I am almost certain it is for the car finance I know it is not a mortgage. If I send a statute barred letter then is this not acknowledgement that I owe the said amount, I really dispute owing any money as the car finance was for 2000 and this debt is 6200. So sending a letter saying it is over 6 years ago is like saying I acknowledge the amount right ? . . . Are they going to get my house and is is going to be like kick me and my family out in the next few weeks etc.

Thanks Dolly, Ok just checked with my wife and she pointed out the ovbious that my daughter is 6 years 2 months and we moved from the said property and abandoned the debt 5 months before she was born so like 6 years and 7 months since last contact. Also it didnt give a date just advised me to contact them by phone without delay. Which I have not done.

Hiya and thanks. To my knowledge I have not acknowledged this debt in the last 6 years but I would need to double check dates as I was paying it off for about a year at the rate of 200 a month. So it is either just over or just under 6 years since last contact was made. My guess is just over 6 years. I really do not think their is a CCJ for this.

Please if anyone can help because sounds like I might lose my house... I received 2 letters today from Ruthbridge Limited. Both on behalf of Welcome finance. Ist letter Notice of charging order application. This letter goes on to say they have done a land registry search and found I own (with mortgage) my house (in both mine and my wifes name) and they sent me a search for my house and continues to go on about bancruptsy proceedings. 2nd letter Without prejudice. Despite many attempts to contact you directly by telephone and letter you have totally ignored our efforts to resolve this matter . We are now advising our clients to comence bankrupty proceedings. etc etc ................................................... I have no clue what this is all about but it is a sum of 6200 and they are saying they want my house and other possessions. I got 4 kids and this is our family home so dont know what to do. Only thing I can think this debt is off is about 7 years ago I lived over 100 miles away and got a car on credit for about 2000 and never paid. Now these letters are for 6200 so that is a huge differance. I have not replied or made contact yet untill I spoke to you guys hoping for advise. If you need any more information from the letters or my circumstances in aid to helping me please ask here . What will happen next and in what time scale and what should I do. Thanks for any advise you can give.

Morethan insurance use India. I work for Powergen and I can honestly say things have improved so much since they kicked em out. Seriously their is a huge mission going on to improve customer service and getting rid of inbound calls to India was just the first step. Although with any company running call centre it just depends who you get through too. Good and bad advisors everywere. I am one of the good ones that are on the customers side, I put myself in each customers shoes. Some though just dont give a damm.

Hey Rachel, thanks heaps for the advise really is appreciated. Ive believed for a long time that the excessive high bank charges are unfair and unlawfull but as one person not being clued up on the law etc you feel you cannot make a differance or able to fight back. Its good to know that they are wrong and for once a "normal" person can win. Hey on another note if anyone needs advise on gas or electric bills I know heaps about that working for powergen . lol. Yeah im in it till the end tyty.

Well I read your forum with much interest and thankyou so much for the information and services provided here. Anyways I have been charged heaps for years from these, one from an old account they closed due to charges that I could not pay back etc. For now though im going to concentrate on the one I am currently using then when done with that I might put in claim on my old account. I am just sending off the Data Protection Act letter that requests statements with a 10 pound cheque. I am right in saying this letter goes to my local branch and not some head office place ? . . Thanks again for any help I may receive from yas.