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About tinabelchersyndrome

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  1. Hah, I actually needed a bit of levity - I've been so anxious about this it's nice for it to be put into perspective as it's been very difficult for me to do that! I've been worrying about it non-stop for months. That's a great idea, I'll send the letter you suggested and then I'll hopefully have sight of however they decide to escalate.
  2. My worry is that I’m leaving myself open to a backdoor CCJ, which I won’t know about as the correspondence will go to my last known address. Especially as I’ve read that they frequently go for CCJs as the 6 years start to run out, which it is for this debt. I won’t know until it shows up on my credit file, by which point it will be too late to do anything about it?
  3. Thanks for the reply, yes that’s correct. I think they tried to contact me at this address after buying the debt, which my partner returned to the sender while I was away, not realising that they were looking for me due to the name difference.
  4. Thank you very much for merging the threads. The only place it shows is with Equifax and not as a debt or default. It shows as a settled account from 2015. The debt was sold to Lowell in 2018.
  5. I previously posted about this under this topic: I received some incredibly helpful advice so I thought to come back here in case anyone would be kind enough to advise on next steps. I have now received SARs from both e.on and my old bank which show the account remained in my name and the debt was not paid - e.on's timeline show that the debt has now been sold on to Lowell, who I assume do not have my current address. E.on were quite late in responding but I gave them extra time due to the COVID-19 circumstances - the documents were all in the other
  6. Thank you for the excellent advice Bankfodder. I will be following your advice and not calling. I have the SAR prepared and will post it first thing tomorrow. One thing that occurred to me though is what's to stop them just reporting to the CRAs as soon as they get it and look at the account while preparing the SAR? I'm worried that getting a default removed will be much harder than trying to negotiate not putting one on, if that makes sense.
  7. Apologies I had a very hectic day yesterday and my mental health was not great. I shall message the relevant details as soon as I get this e.on albatross from around my neck. I have been compiling a plan of what to say to e.on in regards to trying to negotiate paying it off in full in exchange for them not reporting it to CRAs, but I'm not sure what is essential to include and whether it would be best done by phone call or letter. The help so far has been so useful, any further help would be deeply appreciated!
  8. I'd be more than happy to do so once I've figured out how to deal with the e.on anxiety spiral! He also refused to give deposits back and as everything was paid in cash there was never any proof it was paid. But I was a bit more clued up by the time I was leaving and a local community action group helped me get mine. I'm still in touch with one person who lived there at the same time, and there's one other who moved out shortly after I moved in that I have contact details for. I'm pretty sure the landlord still lives at the same address as it
  9. The whole thing was awful. There might have been other issues involved for all I know. He did smoke a lot of weed and was incredibly paranoid. One of the other lodgers needed to claim housing benefit but he wouldn't sign a tenancy contract to allow her to do so, and said that if any letters in brown envelopes came for her she would be out. We were all quite vulnerable and terrified of being homeless, and the place was falling down but had very cheap rent. I moved in because I could no longer afford the previous place and it was the only thing I could find
  10. @BankFodder I will do! @dx100uk When I first read your post I was so relieved, but then remembered I don't have any of those things! I found out a few days after I moved into the next place that it was an illegal sublet (which is why it was so cheap). I was a lodger and the 'landlord' who lived there wouldn't allow any of us to receive any official documentation at the address. He kept saying he would write up a tenancy contract before I moved in, but then never did, and even threatened me with putting my stuff in the street if I put myself on t
  11. Thanks both for the quick replies! @BankFodder annoyingly I have a very old iPhone so will have to order the TP8 to record the call. I will definitely try to do so, as it's a very good idea to have the evidence but I'm not entirely sure I can escalate it in any way. The person in question has been unemployed since I've known them and is currently living in a squat, so I don't think I will be able to get any funds out of them unfortunately. If I can get the evidence I will update the thread. @dx100uk I think I read about Lowells and e.on on lots of forums bef
  12. Thanks for your advice dx100uk! I do feel a bit calmer this morning, now I have an action plan. I have a bit of an update. After calling around and finding the people who lived in the property after I left, one of them felt guilty and admitted that the bills kept coming in my name and they ignored it rather than updating the account. I'm not sure how this happened given I remember telling e.on I'd moved, but again the combination of the disability and being so depressed I was considering sectioning myself probably means I can't rely on my memory.
  13. Thanks so much for your quick reply! Yes it was an awful decision to send it back and I'm so upset and angry that he did it so unthinkingly. It has put quite a lot of strain on our relationship over the past week. I have copies of all correspondence between myself and the DCAs. I can't prove that Lowells didn't send it, but I didn't receive it or anything else from them despite living in the same property for another year. I also didn't get one from PastDue, just the letter saying that they would not discuss it with me and the apology letter. Again I lived
  14. Not sure if this is the right place to post this but any help would be sorely appreciated. This debt relates to utility bill for a house share back in late 2014/early 2015. I am almost certain I sent a cheque off for the amount and distinctly remember informing e.on that I was moving out, however I was in the midst of a major depressive episode so everything is a bit fuzzy. I also have severe anxiety and a disability which means I can only trust my memory about 90% so I'm paranoid I may be mistaken. The timeline is as follows: About a year after I left I rec
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