Marc Gander - The Consumer Survival Handbook


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  1. #1

    Default lowell after old E.ON debt not on my file - sure i settled it years ago

    £550 owed initially to EON for utilities at a previous address. Sold to LOWELL PORTFOLIO (i think thats what they are called). They have offered the discount.


  2. #2

    Default Re: Settling debts

    urm what are a DCAicon doing with a utils bill?

    that explains the discount.

    util companies do and succeed in easily getting CCJ themselves at the drop of a hat.
    they didn't they sold it on.

    that means there is SOMETHING WRONG with the debt
    the fact there is a discount also means there is something WRONG [BOGUS] with the debt.

    is it defaulted and showing on your credit file?


  3. #3

    Default Re: Settling debts

    It has not defaulted, and it does not show on my credit file. ANd franlkly I thought i had settled all before I moved.


  4. #4

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    we have an e.on rep
    I've sent them a msg,

    liaise with them

    please stop phoning DCAicon's up.

    I've created this debts own thread too

    dx


  5. #5

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Hello bitemarx and I can confirm, we've sold some of our unrecovered debt to Lowell.

    The sold accounts are all finalised and have had outstanding balances for a fairly long time (up to 6 yearsicon old). They've gone through our complete debt collectionicon process but we've been unable to collect the outstanding balances.

    We'll have written to you to let you know about the sale and what to do next. Lowell will contact you independently by letter. Please deal with them directly as they'll now look after the debt. Contact details are on both ours and Lowell's letters.

    Should you agree this is a valid debt, you can pay Lowell directly or talk to them about setting up a suitable payment arrangement. If you've any queries about the debt, our advisors will be happy to give you as much information as possible including meter readings and supply dates. They'll be unable to take any action on the account as this now needs to be initiated by Lowell.

    Hope this helps point you in the right direction bitemarx.

    Malc


  6. #6

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    get an SARicon running to eon BM.
    get the information ignoreicon lowells for now.

    if the debt doesn't show then make SURE the address that the debt occurred at IS showing under your linked addresses on your credit file.
    if it does then this smacks that the debt is defaulted more than 6yrs ago and has been removed from your file as aged.


  7. #7

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Thanks, Malc.
    And dx.

    I'll get the SARicon ready, and send to EON.


  8. #8

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Not sure what reference number to put on the SARicon> I only have the LOWELL reference number.


  9. #9

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    CAn you ring Eon and ask them?

    Alternatively give them as much info as you can re addresses, type of fuel etc and see if they can find the account that way.


  10. #10

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    you don't need any number to send an SARicon.

    just send it.


  11. #11

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Hello bitemarx and just a quick heads up about the SARicon.

    Under recent changes to industry regulations, when customers ask for an SAR, we need to raise a Customer Rights Request. Once raised, we need to be back in touch within 30 days. We'll send you copies of the data on the account, including the bills, as well as any phone callicon transcripts we hold. There's no longer any charge for this service.

    As Bazooka Boo says, we'll be able to identify the account from the postal address for the old property. Please also include the reference number from Lowells.

    Hope this is of use bitemarx.

    Malc


  12. #12

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Quote Originally Posted by E.ON Company Rep: Malc View Post
    Under recent changes to industry regulations, when customers ask for an SARicon, we need to raise a Customer Rights Request. Once raised, we need to be back in touch within 30 days.
    Malc, I genuinely dont know:

    What the heck is a Customer rights request and why should that mean anything to a person making a SAR request under the GDPRicon?

    especially, What has that got to do with delaying the 30 day countdown from CUSTOMERS request to the response required under the GDPRicon - if thats what your post means?


    My understanding is that quite simply you have to get back to the customer within 30 days of their request unless there is a good reason why not, and its my understanding that your internal systems or processes or desires is NOT a valid reason for any delay ...

    More than happy to be enlightened regarding this ..


  13. #13

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Hold on, if it doesn’t show on credit file then this may be over 6 years? Find out if statute barredicon also.


  14. #14

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Theres no such thing as a customer rights request. Its a silly thing eon have come up with in order to frustrate and stall a legal request under GDPRicon


  15. #15

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Quote Originally Posted by tobyjugg2 View Post
    Malc, I genuinely dont know:

    What the heck is a Customer rights request and why should that mean anything to a person making a SARicon request under the GDPRicon?

    especially, What has that got to do with delaying the 30 day countdown from CUSTOMERS request to the response required under the GDPRicon - if thats what your post means?


    My understanding is that quite simply you have to get back to the customer within 30 days of their request unless there is a good reason why not, and its my understanding that your internal systems or processes or desires is NOT a valid reason for any delay ...

    More than happy to be enlightened regarding this ..
    Hello tobyjugg2 and the Customer Rights I mentioned above is part of the structure we've set up to make sure we comply with all aspects of GDPR.

    GDPR covers more than just Subject Access Requests (SAR). It also covers alternative customer rights such as the Right to Erasure, Right to Rectification, Right to Data Portability etc.

    We've set up a ring-fenced team to deal exclusively with all these requests. Any advisor can raise a Customer Rights request. It then goes to this ring-fenced team who need to be back in touch with the customer within 30 days of the request originally being raised. It could be quicker depending on what's involved. There's no charge for this.

    Previously, for an SAR, there was a £10 adminicon fee and we had up to 40 days from receiving a written request with payment to send the information. The new system will speed things up and make sure we're abiding by GDPR.

    Hope this explains tobyjugg2. Let me know if you need any more information as happy to help.

    Malc


  16. #16

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Quote Originally Posted by renegadeimp View Post
    Theres no such thing as a customer rights request. Its a silly thing eon have come up with in order to frustrate and stall a legal request under GDPRicon
    As above, renegadeimp. The new system will speed up our response to these requests and make sure we're complying with the requirements of GDPRicon.

    If bitemarx asks for a Customer Rights request to be raised, this will kick-start our system so we can give them the information they need in good time.

    Malc


  17. #17

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    And as i said, its something your company made up to obfuscate the process. No other company does it. They dont need to make a rights request. When they request a SARicon, then you fulfil it. Not tell them to call again and raise a rights request.

    But as we always say on here, we have to at least give you a chance to show your willingness to help people.


  18. #18

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Quote Originally Posted by renegadeimp View Post
    And as i said, its something your company made up to obfuscate the process. No other company does it. They dont need to make a rights request. When they request a SARicon, then you fulfil it. Not tell them to call again and raise a rights request.

    But as we always say on here, we have to at least give you a chance to show your willingness to help people.
    +1


  19. #19

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Sorry I wasn't clear renegadeimp. Customers don't need to call back. Where an SARicon is required, please ask for this and the advisor will raise a Customer Rights request there and then. This will go to the ring-fenced team I mentioned who will sort it out within the timeframe I've outlined. This will be quicker and cheaper than before GDPRicon came in.

    Hope this explains a bit better renegadeimp and have a good weekend.

    Malc


  20. #20

    Default Re: lowell after old E.ON debt not on my file - sure i settled it years ago

    Quote Originally Posted by E.ON Company Rep: Malc View Post
    SorryWhere an SARicon is required, please ask for this and the advisor will raise a Customer Rights request there and then. This will go to the ring-fenced team I mentioned who will sort it out within the timeframe I've outlined.
    Malc
    That is part of the point.

    A SAR is a legal request.
    If you want to call it something else and confuse the issue, then that should be handled internally and nothing to do with requiring a customer to ask for a 'eon made up gobbledegook wording request'

    1. Customer requires SAR.
    2. Customer asks for SAR.
    3. EON (or whoever) complies with SAR request.

    How the heck is a customer supposed to know you want it worded a particular non standard way, and why should they either care or comply?

    ... and if you say or imply:
    'because it will be quicker and cheaper'
    which also carries the implication of
    'if you do it our way it isnt really asking for a SAR as defined in law so doesn't really count'
    - I WILL forward this to the ICOicon


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