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Showing results for tags 'dca'.
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my sister-in-law has received a letter from a DCA stating that they are taking the matter to Court (Northampton) They do state a date when this action will take place. The Provident debt is quite old. She did not stop making payments previous DCA they just stopped taking them (via D/Debit) without any explanation , then she made the mistake of phoning old DCA who was taking over. My advice was to ignore any phone calls from them until they had at least sent her a letter. As she had not received any letters from current DCA. my s-i-law in her early 70's as is quite worried. any and all assistance will be heeded Thank you DK -
Hi all, I have been referred here by a colleague whom you all provided excellent advice: I will get straight into it the issues: Years ago (between 6 and 8) i made a number of poor decisions that lead to a lot of debt, this in turn lead to some serious mental issues and head getting buried in the sand. Couple of years ago I wanted to sort it out so I contacted step change and arranged a DMP and have been making payments ever since, payment currently £126 against a balance of £11000. The following questions are worrying me though and I need to get out in front and not take the risk of more head issues. One debt I could never find ownership of it was a credit card with Tesco balance of around £3,500 so it was not added to the plan, thought nothing of it until a letter dropped on the door from a DCA chasing this balance, I requested a copy of the credit agreement and haven't heard anything since assumption is that they do not have a signed agreement, i asked them when they received the last payment they confirmed November 2010 effectively very soon this will become statue barred, with this one I have three options do nothing and wait to see what happens, make a ridiculously offer of a final settlement was thinking £100 or add it to my dmp with step change. Secondly around the same time I was CCJd for a debt with HFC Bank around £4,500 and I haven,t paid this for a similar amount of time, every time I speak to step change they tell me it is urgent and I need to take action but I am fairly sure whoever is responsible for the CCJ do not no where I am living and contacting them seems like a bad idea what honestly do you think I should do in regards to this ignore or contact the courts? My life is totally different now I am paying things off and have a young wife and daughter and am now making steps to earn good money, the last thing I would is for a bailiff to show up at my door, I would prefer to commence payments again but unsure whether they would want the missed payments in one lump which I cannot do, I can prove the mental health issues that I was experiencing but unsure whether this would make a difference. Anyway your help will be very much appreciated. Thanks -
Received a letter today from a dca. According to them I owe Scottish Power £170 for a prepayment meter debt. The address to which this 'debt' applies is a flat I rented and left four and a half years ago. They say that the debt is due either because i had a debt to clear on a prepayment meter or because I used another suppliers card in the meter. Neither of these apply! There are no dates as to when this supposed debt occurred, no info on Scottish power account or reference numbers, no idea on whether this was gas or electricity, no info I can use to find out what this debt is all about. As far as I'm concerned I paid my energy bill in advance by meter card. I don't understand how this could equate to a debt when I left. I lived there for two years and in that time there was no indication of any debt left by previous occupiers. The letter has 'this could affect your credit rating' in big red letters and this is repeated in the main body of the letter. This is the first I've heard of any debt. I lived at another address less than a mile away for four years. Then moved here to my current address, same town again. And until today, I never received any letter about a debt. I just don't know what to do. Afaic there is NO debt and I can only think that this is something to do with someone who moved in after I left. Could anyone advise me on what to do? Thank you -
I am a 51 year old male living in Kent and really could do with some help please? Long story short, I got into trouble 13 years ago when my partner passed away leaving me with joint unsecured debts of around £10k. I foolishly turned to Spectrum in mid-2005 and I entered into a DMP where I thought I was clearing it. Sadly, I was mis-sold this and was told 2 years ago, I had not cleared any of it and the interest had accumulated. I cancelled my agreement with them, I contacted Cabot (I think as that was the only company I remembered) at the time in the spring/summer 2014, I didn't admit to anything and I never heard anymore. I have been working abroad off and on (Freelance Cameraman and gotta go where the work takes me) and was not aware of how bad the situation until Friday when I got the Northampton court letter which was dated on Feb 10th for a loan from Cabot via MBNA. I do not have any of the original paperwork as my car was set on fire in the riots nearly 5 years ago and my case with papers were gone. I am wondering what I should do? I have acknowledged the action and sent a CPR-18 letter to their solicitors asking for more info. Please can someone throw some light on this for me please? I'm quite worried this may go the wrong way and will have an impact on my new wife. Ta - Mike -
I took out a PDL of £300 around Oct 2013 with Vivus.co.uk. After I admitted I was in trouble, they froze the interest and we agreed to £5 monthly payments in Jan 2014. I kept paying until I had a letter from MMF in June/July 2015. It seems Vivus went bust and the debts were sold on. The data MMF have doesnt include my monthly payments so we disagree on how much is owed. They asked me to prove what I said (I can via bank statements) but don't see why I should have to pay a £10 SAR fee to get them and pass them on. I initially sent them a CCA request and heard nothing back. Last month they contacted me but I refused to provide them with my new address (wise?) and I 'failed' their security checks (I can't remember the address Vivus had for me) so they refused to discuss the account. I have since cancelled the monthly payments since vivus was/is bust. I am thinking of sending them another CCA since I did not retain any proof of the one I did 8 months ago. We agreed I would CCA on the phone, but I have since heard that they say anything on the phone. The outstanding debt is £100 (my version) or £180 (their version). There is nothing on my noddle credit history regarding this debt, indeed it has never appeared on there. I am intending to apply for a mortgage in 6 months time - should I simply pay it or offer a F&F? Should I provide the bank statements that prove I made the payments to vivus that they do not have on file?
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I am trying to get my finances in order and have been reading up on forums about those who have had successes dealing with DCAs, but unfortunately my accounts don’t seem to make sense. I have four default accounts on my credit file, showing a D sign every single month on my account, but I have three payments from DCA going out of my account two I know why I am paying but PRA I don’t know what its for, and the two bank account overdrafts I have defaults for I don’t know what is happening with them and what to do. Should i send out CCA letters to all creditors including barclays and natwest? On my credit file are these four defaulted accounts Lender Idem Capital Securities Current Balance £1,868 I am paying this via direct debit reduced monthly installment at the moment, this has been passed from Agilent to Moorgate and now to Idem and I it was so long ago now I cant even remember who the original company was who I took a loan out with. Lender NWB Current Accounts Current Balance £1,691 It says I am paying £5 per month but I cannot see any standing order or direct debit going out of my account for £5 per month, so I have no idea what is going on with this account. Both Barclays & Natwest overdrafts have been passed over to DCA I am sure of it, but I am unclear on who they are or what is going on with these accounts. What shall I do? Do I chase up with the actual banks to see what information they can pull up (send SARS) Lender Barclays Bank plc Current Balance £1,590 Similar to my Natwest account, I do not have anything on my bank account showing I am paying them, yet it shows I am paying £18 per month, once again I do not know how to handle this and whether I have a DCA I am paying, I haven’t received any letters for a while and I don’t have a clue what I should do. Lender MKDP LLP Account Type Credit Card Current Balance £264 Finally I have a PRA Group direct debit set up for £8.86 per month but yet again I don’t know what debt this is for now, as it seems to have been set up some time back, with moving and getting married last year I lost a lot of paper work and I cant remember what DCA is for what account and why now. DCA payments: Idem Robinsons Way this is on my credit file under MKDP (are they the same company?)But there is nothing on my credit file saying I am dealing with Robinsons Way PRA Group £8.86 No clue whatsoever why I am paying this and for what account. -
:-)Hi Have 2 NatWest credit cards taken out about 1995/1996 - on which I have been making token payments of £2 per month which just jogs along. £1400 outstanding on one card - £2200 on the other card. Token payments commenced about 2 years ago as lost job due to illness and have not worked since. I am 65 and now have heart failure problems - so trying to sort out affairs in case of further problems. I know I should CCA them - but what then. Do they write off debts? My GP can confirm my health position. It's crazy really - we all bailed out NatWest during banking crisis to the tune of some £20K+ each - so in effect they owe us! Your advices how to proceed would be greatly appreciated. Would it help to go through Citizens Advice or similar? Let me know what you think.
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as above, CCA'd egg on 16/07/08. They responded with an unsigned agreement and nothing else, no terms, no other info. Wrote back to them to tell them account in dispute as they have failed to provide etc. put in the dispute letter the usual about "you may not pass this account on" etc but they've completely ignored it and sent a letter back saying the account is now closed and will be passed to a DCA for collection what do I do now?
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Hi I have been getting offers of a "reduced" figure for just over 100pounds. I was in a repayment arrangement with peachy, and payed off over half the loan, but couldn't keep these payments up so offered them £1 a month (and sent it). They said that 1£ pcm wasnt a reasonable amount to pay it off, but it's all I can afford (well can't really) so kept sending it anyways. They warn that the DCA may add fees and whatever. I'm sure if it went to court the order would be £1pm. My question is should I keep sending the £1 to peachy or try and deal with this DCA? What happens down the line when I haven't given the DCA anything? Cheers in advance -
Hi looking for some advice on a debt that has now been sold on and being dealt with by robinsons way... My husband took the loan out in 2008 with lloyds we think the last payment was made in 2010 but not sure however since then we have had letters from different dca's and the latest one being robinsons way who now own the debt, letter says that we have 10 days to get in touch with them or they are passing on to howard cohen solicitors who may start court proceedings, should we be sending a CCA? And does this acknowledge the debt? Any help appreciated as no idea what we should be doing and the best way to now deal with this! Thanks
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Hi all. This is the first time I have posted here but am now at my wits end with LINK /IDR Finance. After a number of months struggling to deal with my credit card debts I decided to go on a debt management plan through CCCS ( now step change). LINK /IDR had accepted the amount that was aggreed ie a monthly payment of 43 pounds for a debt of £3,415.14. They didn't receive money because of mis-communication between cccs and link/idr. I wasn't aware of the problem until I recieved a letter saying that I have incurred a Litigation Charge of £102. I received a ccj claim form a day after. On speaking to cccs and link it turns out that because there was a discrepancy between them about the account number the payments were not recieved and after a couple of months of non payment they have now gone down the ccj route. I accept now that I will have to go through the ccj process(which I am gutted about . I began the debt management plan to avoid this in the first place!) but I am wondering would there be any point in trying to go down the route of a cca? Or is it too late for that? Any advice or help would be very much welcomed. Just to add briefly. I spoke to MBNA about the account they said that the account was sent to LINK/IDR for collection. I cannot remember if it had merely been transferred or sold to them. Seeing as the service dept department is closed weekends I will have to wait till Monday to pursue that.
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hi guys i had an issue with a dca about four years ago which was halted by a cca requested helpfully obtained from this site the debt has been sold on to several other dca,s, who although i can head them off with further cca requests, they keep registering the debt on my credit file is there anything i can do to prevent this happening in future? cheers Mark
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Hi All Need some advice regarding correspondence from a debt collecting agency about a £80 fine from the DVLA for being late in renewing my vehicle tax. To bring you up to speed here is what happened. Moved address about a year ago. Phoned up DVLA at the time to speak to an adviser about everything i would need to do regarding my license & vehicle details upon moving. This adviser only ever mentioned about sending my driving license in with new address. Failed to mention VC5 log book. I am completely unfamiliar with this process. Consequently my tax renewal reminder forms were sent to my old address and without a physical tax disc to see the exact date of renewal i ended up being late in paying my vehicle tax. I was sent a letter from the DVLA that i retrieved from old address stating i owed £80 with the option of writing back if you thought the fine was unfair and to explain why exactly that was the case. I wrote back explaining that even tho i specifically phoned & asked a DVLA adviser to tell me absolutely everything i would need to do following an address change, their oversight of not mentioning the VC5 had lead to me being fined . I immediately paid my vehicle tax & all money owed in arrears and promptly set up a direct debit to automatically pay all tax in the future. I also sent off my VC5 log book to register the vehicle at my new address. I sent this letter off to the DVLA and waited for a response . Nothing happened for months. No correspondence at all from the DVLA. I thought it had been written off. out of the blue i have started receiving letters from a DCA called Advantis demanding payment of £80 for their client the DVLA . I have ignored so far all letters. I have neither contacted the DVLA or Advantis. Is there any way i can avoid paying this fine? What will happen if i dont pay? Will i receive visits at my current address &/or old address? Will this escalate to going to court? Also very importantly i will be looking to take out £15,000 loan in a few weeks, will this debt/fine come up on my credit check and will it effect my ability to get the loan? Would it just be best to nip this in the bud now or do i have any rights in being able to avoid this? Any advice will be very much appreciated. x
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I have a number of defaults on my credit reports they are about 4 years old. I am thinking of writing to each creditor/collection agency asking to produce copies of the default notice and the credit agreements. My question is this. If a creditor or collection agent cannot send me copies of the original default notice and the original default becomes unenforceable is it possible for them to issue a default notice following this for the same account? therefore a 2nd default on that same account would be on reports for another 6 years? Thanks in advance.
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Hi, I am dealing with a DCA on behalf of my father. The debt is in his name but he was helping me try and keep a business afloat so I have been servicing the debt. Here's where we're at: The debt was with a credit card company but the company sold the debt to a DCA in Sept/Oct The DCA wrote to my father advising them that they now held the debt and would be writing further. Nothing else was received from the DCA until early December when they sent a totally incorrect '. ..despite numerous attempt to contact you...' letter. I wrote to the DCA enclosing a letter from my father authorising me to deal with the debt on his behalf, also stating that he and his wife were finding it too stressful to handle (she has a heart condition and the debt issue is upsetting her). The letter also instructed that all correspondence be only sent to my address and that the DCA should restrict correspondence to letters only. I also enclosed a SAR. The DCA acknowledged the SAR and authorisation letter. I have discovered from my father that he has not had any statements or other correspondence from the credit card company for perhaps several years so I was hoping the SAR response would contain relevant info, but it just consists of a set of screen prints from the DCA's system. Related to this, I am mindful that Northern Rock (not involved here) recently had to cough up due to cockups with their statements and the situation here may be similar. Late Dec, despite acknowledging they would only deal with me, the DCA wrote to my father offering a monthly settlement figure - his wife was again very upset. They passed the letter to me without replying. SO.. What should the DCA be sending me to verify the debt and its value? Should I contact the CC company for other documentation/statements or is the matter solely for the DCA now? I'm not trying to avoid paying the debt and don't particularly wish to stir things up, but I don't really have any concrete info on anything (so is the debt 'in dispute'?), plus what, if anything should I do about the DCA still contacting my parents? Thanks.
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I received a letter back in Oct 2013 advising I owed money from a Littlewoods/very account. I have never had an account with this company or their subsidiaries. The DCA (Arrow Global)said the original agreement was from 2001 and I sent the letter of no knowledge. I received a further letter in Feb 2014 advising the management of this account had gone to Scotcall and I immediately sent the same letter to them. No further letters until Sept 2014 From Arrow Global again chasing the same thing. I did not take any action. Have just received a letter from Capquest advising they are managing the account and they have also tried to phone. Do I send the same letter or is there a different approach I should now take. Again I have never had an account with company. Thanks for any help
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Hello helping another friend with their problem. They have received letters from Robinson Way stating that they have had no response to their letters asking for payment relating to two debts that they had purchased and if she does not respond in 14 days they will take legal action. Now this is the first letter they have received regarding this and all tho she does/did have some debts some 5/6 years ago these letters do not state which debts these are. I will refrain from ringing them to ask relevant questions but was looking to write to them asking for the following: Previous Owner, Account Number, Total Amount, Date of Default, Last Payment Date, Amount of Last Payment, Who Was the Payment made Too, How Was This Payment Made and Where was this Payment Made. Do these questions sound ok?, obviously I will format the letter with correctly but just spaced as such to save over posting. Regards
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Hi, would appreciate some advice if possible. History of this debt - Original Creditor: MBNA Date of agreement: 12/10/2005 Current owner: Arrow Global Current balance: £4223.87 Default date: August 2010 Last payment: 2013 (?) DCA: Capquest Current issue - Got married a few months ago and have changed surname, found CAG and decided to sort my act out. Recently sent CapQuest a CCA request (using CAG template), trying to get things sorted. Before they even received it my neighbour popped round with a letter they had incorrectly sent to her address. She'd also opened the letter as CapQuest had called her home and worried her. I was fuming about the phone call, they obviously searched the address for a number, if they's taken 2 minutes to check my credit file they would have my correct address, and sent them a letter to complain their only response so far is to request confirmation of my name change (valid request in terms of data protection I think, but I refuse to send them any of my ID). Wondering if there's any advice on the following: As I want to get a clear CCA request response (do they have it or not) I understand the need to identify myself, should I provide this to the OC or the current owner? Would appreciate an opinion on my draft response to CapQuest please - Thank you for your letter, dated 27th January and received 29th January. In your letter you request confirmation of my details. Due to the nature of my current complaint and your companys inability to appropriately check and manage data; I am reluctant to supply you with identification documents. As such I am writing directly to the original creditor (MBNA) of the alleged debt with sufficient identification to reflect my change of details. I f relevant to your desire to contact me I am sure they will pass this information along in due course. I await your response to my formal complaint (letter dated 20th January), the main points of this complaint are stated again below for clarification: 1. The letter received disclosed alleged debt details, nature of contact and amount, without any attempt to be ensure that “data and information used in the identification process is, to the best of their knowledge, accurate and adequate”. This failing may relate to CapQuest or their client. 2. CapQuest also somehow obtained the telephone number for INCORRECT_ADDR and contacted them about the account number above, which contradicts the intended recipients right to privacy. Attached file is a copy of my complaint letter and their most recent letter. Thanks for reading Capquest_name_confirmation.pdf
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Can a DCA purchase a debt and then place a default on your credit file, when the original creditor had already placed a default marker prior to selling the debt on?? Can you default twice or more on the same debt but the default recorded by different DCA Agencies? Can account opened in 2002 that defaulted in 2006 be sold to a DCA end of 2014 and in 2015 a new default appears on your credit file with the same account info from 2002 for the 13yr old debt?? This old debt was removed ftom my account 2016 6 yrs after originally defaulted?? -
Received a rather unfortunate parking fine from UKPC after parking outside sports direct at a retail park in Aylesbury (I don't even live there hence why I didn't know about the pay and display rules). Walked up to car after a quick 20 minute visit, to find a ticket and the warden standing there I asked him why I had one. Not knowing about the need to have a ticket I tried to explain my innocence but he couldn't do anything. I read the sign after (my fault I know but I just didn't think I'd need a ticket) and it said parking free for two hours. I was there 20 mins and made a genuine mistake not knowing the car park rules. I appealed, and had an email saying if you don't hear back in 35 days to ring the number provided. It got to 35 days and no response. I rang them several times with no answer. I then received a letter today from debt collectors demanding £150! Original fine was 100 or 50 if I paid before 28 days. I rang the debt collectors and stated I had not received a response to my appeal, to which they said a letter was sent out on 2 Nov 15 - which is 5 days after my appeal. I have never received the letter. If I did I would've reacted there and then. They have said pay up or it goes to court effectively. Now I feel I am being harassed without my appeal being dealt with properly. I've heard the BPA or POPLA can assist? But as it stands I can see it only escalating and my mitigation does not seem to have been looked at fairly in my opinion. Has anybody got any advice? I am being fined for making a genuine mistake but the fact the parking was free for two hours and I was there for 20 mins seems extremely unfair if I can only have a common sense approach applied plus the fact my appeal rejection was never received by me must stand some ground? -
Well, it's been a while since I've been on here. it was thanks to you guys on CAG that turned my life around in 2005/6 and stopped my stupid spending/credit splurge. I sent the prove it letters to my creditors and that was that. they screamed, shouted and yelled. threatened allsorts, but I stood firm and in the end the debts have fallen off my file. so they can 'nanas for it now. (still get the occasional letter asking me to contact them to discuss payment terms - yeah right) but anyways - hi everyone! I posted this on the Facebook group, and after a few replies and digging a bit , it was suggested I post it on the main forum pages for more thorough advice. So here goes. Once the date passed for the debts I talked about above to drop off my file, I got on to Experian and Equifax and got hold of my file. at the time. I thought to myself. heck. that'll be enough. Sure enough. I was debt free (in the eyes of my file anyway) so I left it alone. Few years ago (2012 ish) me and the OH decided we needed a loan to wrap up a few debts that she'd got before we met and to make life a bit easier. I'd been knocked out of the work market by a broken ankle that didn't heal properly and was on DLA at the time. She got refused as we'd had a few problems in the while I was off. So I thought. let's use my nice fresh credit file! result (ok so we embellished the application forms to make it look like I was earning) - refused I put the refusal down to income, but it didn't help our financial problems. So out came the payday loans. Soon we were borrowing from one to pay the other. And then my DLA stopped despite me not being able to work. I wasn't eligible for benefits as the OH was earning too much. so we spiralled. I've ended up with 4 defaults on my file again. and the OH had a handful too. So here comes the kicker. being the 'old hand' at the debt game that I am, the DCA can't frighten me. They keep hitting a dead end with their threato-grams So I decided recently, out of curiosity, to sign up for Noddle, since I could get my credit file for free. Of course, this would be the first time I've ever had my credit file from Callcredit. I get my gile and what do I find? In July 2011, 1st Credit created a link between me and someone else with the same forename, surname and DOB as me, but they are from Romford Essex. I'm from Sheffield - lived here all my life. never lived anywhere else. The difference is, my middle initial is L and this guy's is P on my file now is this other guys: Full name, Address DOB Mortgage and Mortgage account details + history His personal bank account A CCJ he received in January 2011 So no wonder I couldn't get credit. I've asked Callcredit to remove the address, name and accounts but they have so far refused citing that there is a proven link. I've sent a rather strongly worded email suggesting that I could report them to the ICO for a breach, not sure if that is right so what now? any suggestions? (sorry for the long rambling post!) -
Hello all just wondering if it is worth complaining against DCA- eg MMF and McKenzie hall etc i have had real bad experiences with these over the years who would i complain to and what would i get out of it also i have little evidence as these clowns will only deal over the phone
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Hi all You guys have helped me immensely over the past few years to send packing a number of DCA's that were treating me as a cash cow and I'm immensely grateful. I now need some advice about how to deal with a number of debts belonging to my niece that she's been paying £5 or so per month for a number of years since she was a student. She's been paying a called Debt Managers LTD based in Rotherham the £5 by DD with no contact with them for quite a while. She seems to recall receiving a notice of assignment from Lowlife a while ago about it and her current bank statements shows the DD recipient as Debt Managers. She has had the standard offer letters from both Lowlife and this latest outfit and I've explained to her what this means. The original debt was a student credit card with Barclays. Now I always paid mine over the counter at a bank or post office via a payment book. I've told her I'll send them a CCA request and the follow-up letters if necessary to get them to go skulking back under their stone, but she's asked me when she should stop the DD. If they reply they're suspending collection until they get the info, can the DD be stopped then? Or does she have to wait until they back off and admit they can't collect? One of the other debts she has relates to a student loan taken out around the turn of the century. I've asked her to do a search on Noddle but I'd be grateful for some guidelines about when to stop the Direct Debits. She seems to have around half a dozen debts each of which she's paying at around a fiver per month like this. Thank you all
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Transmitter purchase On the 20/05/15 I purchased a Quad transmitter from HobbyKing for £167.18. This price included carriage by FedEx to my door. On the seller web site was a page for selecting a carrier. The default choice by the seller was FedEx and was highlighted by a button selection. All of the carriers offered carriage at about the same price (DHL etc). The carriage price offered by FedEx was the most competitive at $33.32 and I continued with the payment process. At no point was I advised of any other affiliated costs or charges. I paid the full amount as directed via PayPal. I was informed that as soon as the parcel was despatched I would receive a consignment number. The carriage cost in GBP was about £22 which I thought quite acceptable. I was well aware at the time that an item at this price would attract import duty of about £30. A few days later I received the parcel from Fedex. All seemed fine until some days later I received a request for £45.75. I thought this was a bit high for import duty. I sent Fedex an email as I was unable to contact them by phone and enquired as to the amount. I received a reply which informed me that the bill was in fact two separate amounts. One for the duty (£33.75) and one for an amount labelled Admin. I done some research on the Web and discovered that the ‘Admin’ charge was for processing the duty requirements, or there abouts. This was news to me as I had no prior knowledge of any such cost. I contacted Fedex by email and advised them that I had no intension of paying the admin charge as I had not been informed at anytime of this fee. But I would pay the duty charge as shown. I sent Fedex a cheque for £33.75 with a covering letter explaining my position again. A month or so passed and then I received a reminder from Fedex about the outstanding admin amount. I sent Fedex an email covering my position again. A few months went by with no further correspondence. I received a Payment demand from a DCA for the amount of £12 along with various frightening statements that would happen if this amount was not paid. This has escalated to more letters and phones calls demanding the money along with the sum being demanded increasing with each contact. I am at a loss as to how a company can demand money when I have never been asked to agree to the service offered. I have signed no contract with Fedex and have not asked them to do any service for me. Where does the figure of £12 come from this could be any amount at all £1200 even. I have read some posts on this site and noticed that this admin fee has increased by over 150% in one year originally being about £5. This ‘admin’ fee was not featured at the sellers web site at time of purchase. This however has now been amended. It now advices that there may be an admin fee on some items. But no amount is specified. Any thoughts or advice greatly appreciated. PS I have donated the £12 to this site. -
Hi folks. I'm new here. Hope this is in the right section. In short, I rented a shop and ran a business. I signed a lease for 2 years, commencing April 2012. At this time, I opened an account for supply of gas and electricity with British Gas. By April 2013, I decided to close the shop. My landlord agreed that I could vacate after just 1 year as we came to a financial arrangement. At this time, I contacted British Gas to advise them that I was closing up and asked for my account to be closed. I was issued a final bill in May 2013 and I paid in full. The account was closed. Recently, I've received a DCA letter at an address I now have a new business at, chasing £1400+ on behalf of British Gas. I called British Gas and, apparently, in September 2013 my ex-landlord called them to state that I was actually still occupying the premises and that the account should be re-opened in my name (and not put in to his name by default)! British Gas apparently did as the landlord requested and so from September 2013 until now I've apparently been accruing standing charges for a premises that I vacated a long time ago. British Gas are telling me there's nothing they can do, it's a "third party dispute" between myself and the landlord. I don't understand how an account can be opened in my name without my knowledge, for a property I don't occupy, on the say so of an apparently rogue landlord. Any ideas guys?
