Jump to content

 

BankFodder BankFodder

tinabelchersyndrome

Registered Users

Change your profile picture
  • Content Count

    10
  • Joined

  • Last visited

Community Reputation

0 Neutral

About tinabelchersyndrome

  • Rank
    Basic Account Holder
  1. 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.
  2. 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!
  3. 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's not far from where I currently live and his van was parked outside when I walked past a few weeks ago.
  4. 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 in my budget. I think broken people very often find themselves in broken situations. Sometimes you genuinely don't know any better because you've not really known anything different.
  5. @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 the electoral role. It took me a good few months to sort my life out and save up enough to move out of there, and I received the first letter from LCS a few months after. I've just ransacked all my records and there's absolutely nothing with that address on it. I know that all sounds incredibly stupid of me, but in my defence I was barely out of school, no family, completely broke and in a very dark place. I was also clearly an idiot who didn't understand how things worked or what my rights and responsibilities were. That whole time period is like a scar on my memory. When you say my target is e.on, should I ring them up and explain the situation? I can't imagine they would have any sympathy, but maybe there's a tiny chance it will stay their hand with regards to a default/CCJ if I offer to pay in full. I just want to settle everything so I don't have anything from those awful years hanging over me any more. Even if I had been able to prove I didn't live there wouldn't I still be legally liable for the debt as it's in my name? I had assumed I would be and would have to pay it and then have to pursue the people who actually used the energy to recover the funds. Thanks again both!
  6. 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 before I posted and got mixed up about who was writing to me. The first correspondence wasn't actually from Lowells, it was from a DCA called LCS. They were the ones who never sent me anything else after my first SAR request. Apologies for being confusing. I've gotten out all the letters and have them in front of me right now - they all say they are acting on behalf of e.on. I have the initial letter from LCS and nothing else, and the initial letter from PDS, along with the letter saying they couldn't speak to me and the apology letter saying they wouldn't contact me again. I also have copies of the SARs/communication I sent to both of them, along with receipts for recorded delivery. As it is becoming clear that as far as the law is concerned, I am actually responsible for this debt I want to pay it off asap and then think about possibly chasing my previous housemates. The most important thing to me at the moment is to mitigate the effect on my credit file due to a possible mortgage application. It would be a massive blow to have this ruin it after years of diligently building up a decent file to maybe, finally be able to buy my own home - although it may just be a bitter lesson I have to learn to not be so naive. It didn't even occur to me until BankFodder suggested it that other people may have been using fuel in my name! Thanks for your continuing help, it's massively appreciated.
  7. 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. At the time I couldn't afford to set up a mail redirect, so apparently there was just a stack of bills addressed to me at the house that no one told me about. I'm absolutely furious about this, but none of these people have a penny to their name to be able to contribute anything to this debt. They're still in the same financial situation they were in back then. Also depression or not, it was still ultimately my responsibility to follow things up and make sure all loose ends were tied up so as things stand I really only have myself to blame. I do feel some relief however, to finally have an idea as to what might be going on - I shall have to put it down as the cost of being very young and in a bad place. However, as I was going through the letters to find addresses for SARs for the DCAs I noticed that they say that they are acting on behalf of e.on - this means the debt was not sold on? I also found a cheque stub to e.on that corresponds with the time I moved out. Obviously this doesn't mean I actually sent it, but does give me a little peace of mind that I wasn't completely imagining things. The fact that this was for a different amount than the debt increases the likelihood of it relating to my former housemates. I have sent off an SAR to my previous bank, but given the debt may relate to usage after I moved it doesn't seem as urgent as it did. I am going to send e.on an SAR anyway, but I was wondering whether it would be prudent to call them? I want to ask how things stand and give them my correct name and address, and also to see if their procedures allow for negotiating that they not report a debt to CRAs if it is paid off in full, given that I tried to engage with the DCAs and was not able to and was in an extremely vulnerable situation at the time (not sure they will give a monkey's about this, but they may have come policies in place that they need to follow as a result). My understanding is that a verbal conversation cannot be held against me should it come to that but I may well be wrong. I could also just send them a 'Prove It' letter as dx100uk advised, but I wonder if that would make them automatically file a default anyway, once they have the correct name and address. Thanks again for your help all, it has honestly helped my state of mind so much.
  8. 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 at that address for another 18 months. If I send PastDue an SAR with the other name, could they accuse me of some sort of fraud? Again, I'm probably being paranoid but if the name is different enough for them to refuse to divulge information regarding the debt, could they not say that I was impersonating someone else? I don't have any bank statements for the period, but it didn't occur to me that I could request them with an SAR! I shall do that immediately. But if it shows I have paid it, who do I send the proof to? With regards to it being someone else's usage after I left, this is entirely possible given the people that stayed in the house after I left - although I do remember notifying e.on before I moved. At this point I don't care about chasing anyone else for it if I'm honest, I just want to find who holds the debt. So I can either show them the bank statements proving that it was paid if that was the case, or settle it if it wasn't paid and/or includes someone else's usage after I left. It would take a chunk out of my hard-earned savings, but that would be worth knowing that it was over. Apologies I wanted to request a name change but I can't yet send DMs!
  9. 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 received a letter at my next residence from Lowells saying I owed about £1,200 for an outstanding bill. My name was misspelt on the letter but I didn't think this was of much consequence at the time. As I hadn't had any communication about it before and was under the impression the debt had been paid, I sent a subject access request with recorded delivery, along with the £10 fee and asked if they could give me more information regarding why they thought I owed it. I had a new bank account at this point so couldn't go back and check. I never heard back from them. Approximately 1 year later I received another letter regarding the debt at yet another address, this time from Pastdue Credit Solutions. It had the same misspelling in the name. I again sent off an SAR + fee and a 'Prove It' letter. They responded saying that as I was not the name on the account, they could not discuss the debt with me. I wrote another letter, pointing out that this made no sense - I wrote that I absolutely wanted to pay any money I could be shown to owe, but that I had a right to see proof that it was due. I got a letter back with an apology saying they wouldn't contact me again. I've never had any other debts, and I'm very anxious about money so have always lived below my means. Two years ago I moved in with my now partner and we still get a lot of post for previous occupants. We were discussing this last week and said that something came through with a garbled version of my name while I was away visiting my parents so he returned to sender (he had no knowledge of he debt at that point). He now knows this was an incredibly stupid thing to do, but what's done is done. I've not been able to sleep properly since. I have pulled various credit files once a month for years and nothing has showed up on them but I'm terrified a CCJ is going to suddenly appear, given that I won't have received any letter of claim at this address. I thought of going to e.on and just offering to pay it all no questions asked, but I'm not sure whether the debt has been sold on and I'm also terrified they'll put a default on my credit file with a recent date of settlement. I called the National Debtline and spoke to a very sympathetic advisor who said that the debt had most likely been sold on and that I had the following options: 1. Do nothing regarding the debt, but check my credit files regularly and pay any outstanding CCJ as soon as it comes up. He said this would wipe it from my file? 2. Get in touch with the Pastdue, who were the last debt collection agency I spoke to and try to find out who the debt was sold on to, though there's the chance that they still won't divulge anything due to the name misspelling. Also put in a complaints against both debt collection agencies due to their failure to comply with the SARs. I will absolutely be doing the former, but I can't just wait it out until it becomes statute-barred - my anxiety is through the roof as it is. Any help or advice on possible next steps would be much appreciated. I know this seems like a trivial issue in comparison to many others, but I've been painstakingly saving every penny for years in order to try and get a mortgage and this could totally destroy any hope of that.
×
×
  • Create New...