Scot­tish Power charged me £5k

The Daily Telegraph - Your Money - - READERS’ LETTERS -

When we moved to our new, smaller house more than a year ago we elected to re­main with Scot­tish Power, af­ter 30 years as a cus­tomer.

How­ever, prob­lems have now spi­ralled out of con­trol. At 81 years old we down­sized to make our lives calmer and eas­ier. What a hope. NOR­MAN SUT­CLIFFE, ES­SEX.

The builder had al­lo­cated a dif­fer­ent en­ergy sup­plier to all of the five houses that had just been built, so your ac­count needed to be trans­ferred. How­ever, the gas ac­count did not ac­ti­vate prop­erly and only elec­tric­ity was billed for.

It took Scot­tish Power more than six months to cor­rect this sit­u­a­tion.

A year af­ter the orig­i­nal trans­fer should have been made an over­es­ti­mated gas read­ing caused Scot­tish Power to in­crease your monthly di­rect debit to £479. You thought this was a one-off to make up for a back­log. Then this sum was taken twice from your bank ac­count in er­ror. The bank duly re­turned one of the pay­ments.

The sys­tem then pro­duced an­other es­ti­mated read­ing, this time show­ing a huge amount of us­age. This re­sulted in Scot­tish Power at­tempt­ing to col­lect £5,055. You are now de­ter­mined to get away from it.

My ini­tial in­volve­ment led to Scot­tish Power pay­ing £300 for good­will and send­ing some flow­ers and a bot­tle of wine.

As the switch was un­der way Scot­tish Power of­fered to al­ter your pay­ment method to a quar­terly cheque if you stayed. You de­clined but, more than two months af­ter you had sup­pos­edly left it, a £1,029 gas bill turned up. Scot­tish Power had only recorded the elec­tric­ity as hav­ing been moved.

Scot­tish Power told me that it has made an er­ror with the Me­ter Point Ref­er­ence Num­ber, mean­ing it didn’t close the ac­count prop­erly. It has now.

A £27 out­stand­ing credit bal­ance it still owed you has been re­turned and a fur­ther £100 paid for good­will. cash div­i­dend. Nat­u­rally I con­tacted Capita Reg­is­trars seek­ing du­pli­cates and re­quest­ing that all eight of the miss­ing cer­tifi­cates be con­sol­i­dated into one re­place­ment cer­tifi­cate.

I un­der­stood there would be an ini­tial rou­tine ad­min­is­tra­tion charge, a fee for each miss­ing cer­tifi­cate, a fur­ther fee for the con­sol­i­da­tion, plus my in­dem­ni­fy­ing Capita against any loss aris­ing from the trans­ac­tion. It agreed the to­tal cost would be £162.

Now, how­ever, it has re­turned my cheque declar­ing be­cause of the “mag­ni­tude” of the sum in­volved (about £10,000) an ad­di­tional in­dem­nity fee of £345 is re­quired, re­sult­ing in a to­tal charge of ap­prox­i­mately £500. SN, MID­DLE­SEX.

Capita needed to see the other share cer­tifi­cates to find out which were miss­ing. It turned out that, out of 32 cer­tifi­cates, only one was. The to­tal fee for amal­ga­mat­ing them was £117. This com­prised £40 for ad­min­is­tra­tion for up to 10 share cer­tifi­cates and then £3.50 for each cer­tifi­cate there­after. The ad­min­is­tra­tion fee for re­plac­ing the lost share cer­tifi­cate was to be £45.

I con­tacted Capita and it waived the £117 fee as well as the £45. The in­dem­nity cost it­self would be £275 if the cover was bought through Capita and will be your ex­pense, whether you ac­quire it from the regis­trar or else­where.

This is nec­es­sary to pro­tect com­pa­nies and reg­is­trars against fu­ture claims that might be made by a third party fol­low­ing a sale us­ing a re­place­ment cer­tifi­cate.

Capita told you this in a let­ter, which was only sent three weeks af­ter it was dated.

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