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Hello guys
forgive my nerves and please read through
in Jan 2018 I joined a energy company I will not name
something badly went wrong in Dec 18 they needed to raise money fast so ignored meter reads and estimated everyone’s usage and increased the DD overnight by 70%+
in my case my electric DD was £40- £45 and overnight at one point flew up to £440 a month.
if you didn’t / couldn’t pay then a £25 fee per transaction was added.
obviously it hit newspapers etc and they reverted.
in my case I was not in arrears so I could simply switch which I did.
but my energy company rang me regarding the uplifted DD
pit seemed I had to pay it so I was not in arrears although I had read debt over 28 days couldn’t be used against me.
anyway I went to my bank and cancelled the DD
a week before Xmas to my horror a amount for £440 was removed from my account via visa debit card to a company I had at that time never heard of
i informed bank and police immediately
police stated they could not help and referred me to bank
bank refused to help as the company had my long number and expiry date and reverse 3 numbers
I lost
it turns out the unknown company that took my money was parent company of the energy company
earlier in the year I had topped up my account using my cash card, the parent company had retained my card details and given them to parent company.
i complained to OFGEM after going through revolver and got nowhere.
i formal raised a bank complaint and lost as it was for me to prove I hadn’t authorised the transaction.
obviously my stance as a guy knowing nothing about law stated all calls are recorded and the tape will verify I did not give permission for my card details to be passed on to another company and used
my claim for fraud was dismissed
so I served a SAR on my energy company on 18 December 18 and again in January 19 both these requests were ignored
I complained to ICO who investigated and got no reply
now the ICO has got immense powers, but in my case will not enforce the production of the SAR so I can prove fraud.
3 months later I have switched energy providers and got my refund.
the problem it seems is the parent company took my money from my card but as it was Xmas didn’t update my energy provider leaving me technically £400 in arrears on an account billed on estimated readings and influenced by there double winter DD scheme.
i would like my SAR from my energy company so I can go to the bank and complain they were wrong for not supporting me.
please don’t advise Ombudsman they simply do not work
banking ombudsman state I need to prove fraud as the company had my full details
i cannot prove this without gaining the recordings via a SAR
the energy company refuse to give SAR as obviously it opens them for litigation and the ICO who enforce the SAR simply are not enforcing data protection rules.
OFGEM are investigating (since Dec 18) but will not comment and may not inform me of any outcome.
so my question for your suggestion is to issue a online small claims court action
i need correct wording please to ask the court to command the energy company complies with my Subject access request which I am legally entitled to
can anyone advise please?
forgive my nerves and please read through
in Jan 2018 I joined a energy company I will not name
something badly went wrong in Dec 18 they needed to raise money fast so ignored meter reads and estimated everyone’s usage and increased the DD overnight by 70%+
in my case my electric DD was £40- £45 and overnight at one point flew up to £440 a month.
if you didn’t / couldn’t pay then a £25 fee per transaction was added.
obviously it hit newspapers etc and they reverted.
in my case I was not in arrears so I could simply switch which I did.
but my energy company rang me regarding the uplifted DD
pit seemed I had to pay it so I was not in arrears although I had read debt over 28 days couldn’t be used against me.
anyway I went to my bank and cancelled the DD
a week before Xmas to my horror a amount for £440 was removed from my account via visa debit card to a company I had at that time never heard of
i informed bank and police immediately
police stated they could not help and referred me to bank
bank refused to help as the company had my long number and expiry date and reverse 3 numbers
I lost
it turns out the unknown company that took my money was parent company of the energy company
earlier in the year I had topped up my account using my cash card, the parent company had retained my card details and given them to parent company.
i complained to OFGEM after going through revolver and got nowhere.
i formal raised a bank complaint and lost as it was for me to prove I hadn’t authorised the transaction.
obviously my stance as a guy knowing nothing about law stated all calls are recorded and the tape will verify I did not give permission for my card details to be passed on to another company and used
my claim for fraud was dismissed
so I served a SAR on my energy company on 18 December 18 and again in January 19 both these requests were ignored
I complained to ICO who investigated and got no reply
now the ICO has got immense powers, but in my case will not enforce the production of the SAR so I can prove fraud.
3 months later I have switched energy providers and got my refund.
the problem it seems is the parent company took my money from my card but as it was Xmas didn’t update my energy provider leaving me technically £400 in arrears on an account billed on estimated readings and influenced by there double winter DD scheme.
i would like my SAR from my energy company so I can go to the bank and complain they were wrong for not supporting me.
please don’t advise Ombudsman they simply do not work
banking ombudsman state I need to prove fraud as the company had my full details
i cannot prove this without gaining the recordings via a SAR
the energy company refuse to give SAR as obviously it opens them for litigation and the ICO who enforce the SAR simply are not enforcing data protection rules.
OFGEM are investigating (since Dec 18) but will not comment and may not inform me of any outcome.
so my question for your suggestion is to issue a online small claims court action
i need correct wording please to ask the court to command the energy company complies with my Subject access request which I am legally entitled to
can anyone advise please?
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