Hi, I have recently SAR'd Gmac/Paratus. I have arrears fees, councellor visits etc,etc. Within 2 days a slab of paper arrived. The one I was interested in detailed my payments on the account and the arrears fees they charged me. The charges amount to £2100. They are hounding me for arrears for £714. About 5 years ago I missed one months mortgage payment. No money. I have offered to increase my monthly mortgage payment by £53 to clear the arrears in 13 months. They still plague me and want to send another councellor home visit. My account balance has increased by around £3000 since I failed to pay that one month. Can I claim back the charges and if so, where would they go? Would it be detrimental to me by claiming from my current provider? Could they force me to sell? What are my options please. Thankyou in advance. Vaz.

In 1997 I took out a loan for £15,000 which included PPI. I know the loan was underwritten by Barclays but I cannot remember who the actual loan provider was. I have the loan reference number but Barclays claim it's not one of theirs. I know it is a long shot but has any idea who the loan provider might have been around that time please. Is is frustrating I cant remember Thanks in anticipation of any help or suggestions Cheers

Hi all, it's the tossers at Reede In [edit] Partnership. Signed off earlier this year, and I've got a real little harpy who keeps calling me demanding the name of my current employer, she just tried to bribe me with vouchers if I coughed up the name, obviously they'll take it and get their £400 bonus from the government for nothing, as the job is a referral from an ex-colleague. I'm sure I'm not the only one they have tried this with, and frankly as they get £400 every time I get a new job, it wouldn't surprise me if they have secret call-centre somewhere where they call current employers HR departments and cast doubts anonymously, in the hope I'll be sacked and back with them. Now, I've emailed the "Independent Case Examiner", and their stuffed skirt emailed back saying she was unable to progress as "This office cannot look into complaints about legislation, policy or complaints which do not fall under the sphere of maladministration". In other words, they are just not bothered. I was advised to take the case to the Chief Ops Officer for the JC. However, I have no faith at this point that that will go anywhere. Yes, I'm aware that my case is with them for a few years, but this is [a problem], other government departments have entire helpdesks for whistleblowers to call, and this [behaviour] needs to be stopped.

Morning everyone, Here's a situation I'm new to, I wonder if anyone can please advise? I moved into a flat in March The flat has had extremely little use since then, mainly because I've been away a lot The previous occupiers vacated 28th February. They used EDF for both Gas & Elec. Early March I started receiving letters from EDF addressed to "The Occupier" or "The Customer" I ignored EDF's letters. I'd used them before and didn't want to this time around. I also wasn't in a hurry to sign an alternative energy provider because I would be away for several weeks In April I signed Scottish Power for Gas & Elec - a good deal, including a Quidco cashback offer. Only issue was, it would take a long time for them to officially start supply In July Scottish Power finally started supply. Mid July, I provided them both start readings (from when I moved in in March) and current readings. The differences were very small - extremely low usage due to me hardly being there EDF continued to send letters and bills addressed to "The Customer" (must be using estimated readings even though labelled as Actual!), although I've not instructed them and I'm pretty certain they'd not have had any access to my meters. I've ignored all EDF letters/bills (Electricity bill about £150, Gas about £50) because I want Scottish Power to pick this up, not EDF. 9-Aug, EDF send letter addressed to "The Customer" saying that the reading they have received (from Scottish Power presumably) is "not in line with your previous energy consumption"... they are in the process of contacting my new supplier (Scottish) to agree an accurate closing meter reading and the process can take between 6 and 8 weeks ... as soon as agreed a final bill will be sent to me, I do not have to take any further action. 12-Aug, EDF send letter addressed to "The Customer"saying the Gas amount of £50 is outstanding, threatening that if I don't contact them or make payment within 14 days, they'll refer to the Collection Management Team. I had planned to not contact EDF as I have no dealings with them, and get Scottish to absorb the consumption from when I moved in March. But now am uncertain as to how this would likely play out. Does the "default provider" have any rights? Any advice would be appreciated - thanks in advance.