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  1. The last few months I have been receiving numerous letters from a company called LCS demanding £24.65 + £5 admin charge on behalf of their client E-on for an alleged bill in June 2016 when I switched to a different supplier. I have contacted them by email many times for them to prove who they are & how the debt was incurred. LCS have now sent me E-on bill printouts & are now demanding £99.65 for an 'estimated bill'. As far as I'm concerned I do not owe any money. E-on have been very unhelpful. Any assistance please?
  2. discod2014

    LCS Harassment

    myself along with my partner have both had letters from LCS saying we owe them money for HMRC over payments. I wrote to LCS and asked them what year this was from and they ignored me. I wrote again and included a SAR request form which again was ignored. The last letter came yesterday with the usual good will be seized,county court etc (maybe) They keep ringing my house and my partner answered and gave them all of his information although i had told him not to. They gave him number for a company who helps deal with these debts and how you can pay. He rang them got a reference number and waited. Yesterday LCS rang AGAIN and despite him giving them the reference number they told him because the debt is owed to the government all other debts like credit card repayments,loan payments are not important and they are legally to be paid first so he offered them 5 quid a week which after an argument they accepted. Im the other end of the scale I won't talk to them on the phone i want to know what year this is owed from and how i was over paid yet still they are sending me letters telling me not to ignore them. Whats my next step please I feel I have a right to know when I owe this from and if I owe it then I will offer a repayment. ..they have also told me all repayments for the whole amount owing have to be made within 12 months..is this true please? I owe 1120.50. Any template letters to send these with big words and legal quotes please? Thank you in advance.
  3. In 2013 I had to give up work due to chronic ill health, I notified HMRC of my changed circumstances and my tax credits claim ended. Around six months later, I received a letter from HMRC stating I had been over paid by £3,500. I called them and after explaining my circumstances they agreed to suspend repayment, they didn't say for how long, just to expect further contact in future. I have since heard nothing from them. About a month ago, out of the blue I received a letter from a debt collector agency called LCS demanding repayment, I contacted HMRC and on asking why they had not contacted me directly, I was told it was normal practice to pass debt over to a DCA who would then pass it back to them on receiving proof of inability to pay and I could expect this to happen each year. After receiving a further two threatening letters from LCS, the last being a “notice of further action” I again contacted HMRC. This time they claimed to have contacted me a number of times and as I had failed to respond they had put recovery in the hands of LCS. They flatly refused to deal with me saying I must deal only with LCS. I have read posts on here advising never to contact a DCA. I'm confused and anxious as to what I can to do if HMRC refuse to deal with it. I'm very worried about this debt and its beginning to affect my already poor health. I hope someone can advise me on the best course of action.
  4. Hiya Ive opened my mail this morning to find a letter from LCS Debt Recovery for Tax Credits Debt of £2655.00 which has just floored me . Ive rang the Tax Credit enquiries line to find out where this has arisen and been informed its from the years 2008/2009. Ive been divorced since 2010 and continued claiming Tax Credits ever since as I was lucky enough to have my children live with me. Apparently the amount claimed ny the recovery team is only half of the amount, Ive informed Tax Credits that I wasnt aware of the overpayment and had never seen the paperwork that they have sent through that year or I would have arranged repayment and to not hear anything for 7 years then a Debt Collection letter land through my door has left me in shock. The Tax credit representative has put in the post to me the overpayment bill for that year and the calculations made so I can see it for my own eyes. Im now living with my partner who is disabled and she claims ESA for the 2 of us and have 2 14 year old boys and a 9 year old girl. As ive said this has really floored me and my partner has serious health issues that are stress related and has to avoid stress at all costs and this bill for £2655.00 isnt helping the situation and its from my previous marriage. Can anyone advise what I can do or help in this matter plz?? Ive been told by the tax credits to contact the debt company and arrange payment. They also stated that the paperwork can take upto 12 weeks to come through and that the Collection would continue during this period, and that there is a dispute letter I can complete but im afraid once the payments start with the Debt company its acknowledgment of the debt and once the debt collection company get their teeth in they dont let go. Hadituptohere
  5. I got a message for LCS today regarding my account with Scottish power. I than contacted Scottish power to ask if everything is ok with my account they said everything is fine and they have not set LCS for my account the representative lined me to the LCS to check why they send me this msg and there the lady took all my information details like where name, address, birth date I asked why u want them she said just want to verify with what they got from Scottish power. She said I have around £120 outstanding amount to pay and that she will send me a mail with the break through but I never got the mail and now I am worried that is it a [problem] or something and what can they do with my personal details. Please advice.
  6. Hi folks, my wife has just had a debt collectors letter via LCS . They are chasing an overpayment made by HMRC or tax credits o a little over £350. What is my best way forward? We are willing to set up a payment plan. and already have prepared an income statement. Trying to contact them by phone is a non starter, as they charge 7p a minute. Any advice as to how I handle this would be gratefully appreciated. Many thanks in advance:smile:
  7. I feel the sorting office at the tax credit office is in adequate for the job required, now over the last couple of months I have sent mail, which was requested by the tax credit office Oct 2013, they would reconsider my claim, but I had to send them prove, which I did, didn't hear anything back, so tried to contact them a further 3 time over 3 months, still no reply When I make threat to go back to the tribunal service, they reply, but they make out, Im at fault for not sending the items as requested, which I know is untrue, as they were sent recorded delivery At this pointy Im forced to make a complaint, but they wont deal with me while my claim is on-going at the tribunal service, as of 8 March 2014, my appeal came to an end, and wont being appealing any further Right now Im trying to sort my claim, either by changing my details to include the disability element or allow me to end my claim, and make a new claim, which I want backdated from 9 Oct 2013, as this is when I was told the tax credit office would reconsider my claim, and because of this my appeal with the tribunal service was put on hold till I knew what was going on On 17 March I wrote to the tax credit office, asking for my claim to be sorted, or closed, now I know there is the help line, but I have no intention of phoning them, as the calls to the tax credit office for Oct/Nov 2013 cost me around £10 I think I give them until 28 April 2014, which is 6 weeks after my letter was sent, after this I think I have to lodge another complaint , to see why there has been such a delay in getting a reply
  8. Can someone please help with this. I and my husband have received letters from pcs saying we owe £1007 in overpayment. We haven't had wtc for a few years and don't believe we owe anything. What do u suggest? Friends have said to ignore it because if we respond we are admitting we owe it. I'm at a loss as to what to do I hope you can help me please. I am on disability pip payments at moment and this is causing me to have panic attacks
  9. Well then when i moved i still had a small amount outstanding to British Gas I have now been contacted by a company called LCS on behalf of British Gas saying they have been instructed by there client to collect said amount Who are LCS, are they British Gas and do they put on any collection fees uses
  10. I keep getting phone calls from a company calling thenselves LCS stating that i owe EDF energy £45 from 2011/2012 Im 100% certain i have paid EDF l but cant provide proof as i dont keep receipts for that amount of time so they keep on phoning me demanding payment. I keep telling them im not paying the bill twice, there response is EDF can recall this debt at any time so we will keep phoning you until the debt is paid. The last time they phoned i told them i would only deal with them in writing so they sent me a letter that arived on friday offering a settlement - without prejudice reducing the amount to £35. I have 10 days to reply oras stated in the letter they will instigate formal legal proceedings against me that will incur charges They phoned me again today but i wouldnt go through the identity check so they hung up Should i just pay it again as i cant provide proof that i have already paid this bill or what other options do i have Thanks
  11. I have spent the day on the phone talking to brick walls I have been paying BT by D/D since 2012, no gaps. I decided to leave last May after speaking to a price comparison site. As usual its a mess:- The day started with a nice letter from LCS stating that I owed BT £110.00. Apparently money had been added in order for BT to transfer the bill to LCS. Problem.. .not had a phone with BT since 8 May 2014. Firstly told that I have never paid by D/D....what? Then spent hours being told that I needed to understand my bill. ...particularly the one in April... ..except that I had one in May which covered all calls made from March to May.. ..that famous cancellation fee of £25 had been added, but the credit taken out of my account for £16.80 is not accounted for and of course there's the advance rental until May 21st...sorry? yes line rental and broadband up until May 21st even though I have a letter from BT stating the line will cease on May 8th. Contacted LCS for their email address.. ..explained to the brick wall that this is a real mess that I have tried sorting out.... ."do you have a telephone reference number for that?".. ...ummmm no because they don't give you one, well "can't discuss this with you"....really Tried talking to more brick walls blood pressure too high... ..emailed LCS and if they are reading this. ..take note I will pursue LCS for compensation for spending far too long discussing rubbish with you and if you do not pay the £200 within 14 days. ...its small claims for you. ...who else agrees that many bills that are not paid are not actually owed and that we should all start billing and following up our claims for compensation legally unless these debt agencies start taking care on chasing false claims by the various services?
  12. moved into a flat last year which had a prepayment meter for electric and gas and the supplier was British Gas. I didn't know this at the time as the letting agents didn't tell me they were prepayment meters until I was switching suppliers. I assumed it was a credit meter like I'd always used. I still decided to switch from British Gas (aka BG) to Scottish Power (aka SP) which had been my supplier for my previous flats. I arranged for SP to take over the supply of Electric and Gas. After about a month they'd switched over and SP sent a new electric key and Gas Card. I topped up the electric and gas with the BG key and Card once for both utilities in that time before switchover - not realising meters and keys might have debt on them from a previous tenant (only recently found this fact out!). I was talked through how to enable the new key and card and whilst on the phone I gave my electric meter reading to a SP advisor- he said it would wipe the credit already on the meter but that'd be it. I then happily topped up throughout the time I lived there and moved out after using SP for 6 months. I gave them my final meter readings and new address expecting them to just send a letter and saying both accounts were now shut. Instead I started receiving bills for over £200 for electric and £25 for Gas! The bills said I owed these amounts after being at the flat for just TWO MONTHS. I thought there must be some mistake this is prepayment meters and I topped up regularly when I needed to, kept top up receipts and never went into emergency credit. I rang SP's prepayment dept twice and they kept admitting it must be a mistake and they'd sort it out. They also said they'd disregarded my start meter reading for Electric as BG had given their own and they were using that instead. The start reading was higher then my final reading which seems to be the problem despite my readings being accurate. SP kept sending bills (and then a final demand complete with threat of a 'credit default'), then their 'debt recovery dept' rang twice and I said prepayment dept were 'sorting it' just like they told me. They'd clearly not bothered as then I get a letter from an LCS debt recovery agency. I ring them up (foolishly) speak to a very aggressive woman who wants personal details. I luckily don't give any except D.O.B. to 'prove that I am the correct person they're meant to be talking to'. Wish I'd not given that now. I said it's in dispute. A 'admin fee' of nearly £30 was also added and she claimed LCS hadn't added it but SP. I've since made a complaint to SP and yet this LCS sent a 2nd letter 'recommending to our client that your account be considered for legal proceedings'. From reading the forums I know these are mostly empty threats but it still worries me. I don't feel this debt is mine. All I can think of is either the previous tenant had debt on the meter already and I just naively didn't realise or SP put up their energy prices and didn't adjust the meter. I've never owed anything in my life and never had a £200 bill for electricity. Please can people help me with the following questions: - Are SP legally obliged to update the meter with current prices before they ask for any money? - I don't know if the prepayment meter logs all start and end electric rates so they could go back through records and prove that the readings I gave were correct? - If there was a debt on the meter should both BG or SP have been legally obliged to tell me this? Or the letting agent? - Should I ring BG and ask if there was a previous debt on the meter or would they not tell me as I'm no longer at the property and was only technically a customer of theirs for a month before SP took over? - Did I legally take over any 'debt' by using the BG key once in the meter? And after I used the new SP key shouldn't that have reset the meter? Or would debt still be on the meter regardless of a new key and new supplier? - Are credit defaults as serious as they sound? Will these affect my credit rating in future? And are they difficult to get off a credit report once applied? Can both SP AND LCS put a default on me or just SP as they're the original 'creditor'? As you can see I really don't have a clue what to do and don't want to pay a debt I feel is unjustified and wrong (especially if someone else owes it and not me) and I don't want to go to court. Any advice on what to do and say or what to find out would be great. I need all the help I can get. And sorry I've typed a lot but I wanted to explain my problem thoroughly.
  13. Hi just some advice please. Owe hmrc 3600 this been going on 2 years I sent letter asking why I owe it etc. . .I was overpaid they sent another reminder I wrote asking to pay instalments never heard anything for ages got another letter saying I owe I wrote again and then another letter sent to me saying I owe 3600. Been debating whether to deal with them or stepchange its been 7 days now another letter fron lcs saying ive ignored them and they MAY take action and could result in a recommendation to hmrc that they consider enforcemen proceedings. Because they assume im ignoring them. Ive just got new job but only till january Thanks
  14. Hi Guys, Need your help again. Received letter 'Final Demand' from LCS about a southern electric debt of some £8000.!!! this is apparently for gas used between 2/6/2010-30/12/2010 about 6 months. I own my home and have equity. I cant afford this amount at all. I dont even believe the amount £8k. Some help please.
  15. hi around a month ago i received a letter from LCS claiming i owed Scottish power £250 for a unpaid gas bill from my previous address. they said the debt was from 20 dec 2013 to jan 2014, but i terminated my tenancy on the 9th of december oh and one other crucial point... . i NEVER had gas installed at my previous address it got installed after i moved out( council property) i contacted LCS who instructed me to contact my local council who i rented from and ask them to send proof of ending my tenancy, i have now done this twice but today i have received another letter threatening legal action within 10 days if i do not pay. can anyone help me with this? iam a genuine person and pay my bills but i will not pay this as i NEVER had gas at my previous address. thanks to anyone who could point me in the right direction.
  16. Received a bill for an old address today which states I owe an outstanding balance of £654.38 for plus an admin charge of £174.94 I am disputing the charges but seriously is it legal to charge admin of £174.94 ? This seems to be a massive charge and is it enforceable ? Thanks for info.
  17. Hello, guys, I really need you help. I received a letter from LCS saying that I’m responsible for a bill payment at my previous address. The bill comes from EDF Energy and the period of the bill starts from 2007 to 2011 .However, I only stayed in that address for 2 months with other six people, and I never have an account with EDF Energy. Then I sent the copy of my tenancy agreement to LCS to prove my stay as they required. After that I received an e-mail saying they have sent my agreement over to EDF in order for the account to be amended to the dates I were residing at the supply address. Now I'm very worried about the following two things: 1. I never have an account with EDF Energy. But it seems that I have. If someone used my personal information to open an account for the bill, how should I do? 2. If LCS sends me another letter in the future, and changes the dates on the letter to reflect when I was at the property with the same amount of bill, what can I do? Thank you very much for your help.
  18. Hi all. Had a debt letter from Wescot today claiming £931.00 On behalf of Anglian Water. The bill had both my name and ex wifes name on it. I have no idea why they are contacting me so I called them. Apparently the bill is for an address that my ex lives at and dates back to 2005. He also mentioned something about closure in 2008? My ex still lives at this address so why the hell are they contacting me! I was with my ex in 2005 and I can only asume that it is from a previous property but she dealt with all the bills. What can i do about this? please help Chris
  19. Hi! I had a letter from LCS on Wednesday 8th May (it was dated 2nd May), demanding I pay a debt for the sum of £133.51p. I was unsure what to do and found this site. After reading the advice, I sent LCS a CCA request, including a £1 postal order. That was sent on Friday 10th May (proof of postage taken as per advice). Today (Monday 13th May) I had another letter from LCS (dated 9th May) telling me that they would take further action as I had ignored their earlier letter. Now, as I only had their letter less than a week ago (which stated that I had 7 days to reply), I am confused as what action to take next. Advice would be welcome. Thank you.
  20. Just after some advice. We have an outstanding bill to YW on a former address. We were initially contacted by Rockford who wanted £50 paying monthly but we told them we can only afford £5. They agreed to this but kept sending letters to us claiming that a repayment plan had not been set up. We have paid this for a few months now. Last month we were contacted by LCS and I replied telling them how we have been paying an agreed sum of £5 to Rockford and that we will continue with this and to provide their banking details for a standing order. In response to this I have received a letter asking me to call them to discuss this. It also says in regards to the call: 'There are a number of reasons for this and may be a simple clarity of details held pertaining to you'. Obviously there are not problems with any of the details they hold. They have my address and that's all they need so this is obviously just to get me to call. My question really relates to the repayment plan I had with Rockford. They weren't at all happy with the set up so this looks to me as though it's been passed on in the hope that LCS can get more money out of us, but good luck to them. So basically is there anything that says LCS should continue with my prior arrangement set up with Rockford? Thanks Lee.
  21. Hi, this is my first time posting so I hope I've put this in the right place. Today I've received a letter from LCS utility investigations addressed to the occupier/landlord. It states that they are 'investigating the utility supply of my home' and proceed to ask a list of questions - Your Name, date of occupancy, name of previous occupant, forwarding address of the previous occupant, Landlords name, address and phone number and anything else relevant. I've done some research on this outfit and what I've read points to the company working for British Gas, and not actually having any details of the debtor other than the debt and their address - so anyone that responds innocently with the previous tenants details gets chased for the debt instead of them finding the actual debtor. I being about British Gas does make some sense as the previous tenants did switch the service to BG and them upped and left abruptly without closing any accounts and left no forwarding address. The landlord was unaware they switched suppliers, I decided to stay with my suppliers not BG and arranged this all through them - I never spoke once to British Gas. Now there is no way I am giving them my or my partners name - it's just none of their business. Every piece of mail I had for the previous tenants I sent back with "returned to sender - moved away" on the envelope. I can't give them a forwarding address, all I know is that they returned to Libya sometime in February this year - thats all the my Landlord knows. At least they shouldn't be able to ring me as my phone number came with me from my old place and is ex-directory. Currently my plan is to give the letter to my Landlord and tell him to not give them my details to this outfit, then he can contact them as he wishes. Am I going about this the right way? I always seem to have problems caused by other people wherever I live and I just can't take another ride on this merry-go-round.
  22. Hi Guys Hoping someone can help as panicking a bit! Just received a letter from LCS demanding an eon invoice balance of £1600, plus £250 admin charge:faint:for the period April 2011 to July 2012. I am the landlord of the property the balance relates to. I bought the property in April 2011, and let it out early May, 2011. I had called EON upon purchase with meter readings, so I am sure they have my home address somewhere, but as this was a telephone conversation i cannot prove this.. Anyhow tenants left in March 2012, took meter readings and new tenant was in place at the start of July 2012. Tenancy agreement states all tenants are responsible for utility bills whilst at the premises. In between these times the property was empty, and no gas/electricity consumed. My assumption is that eon have been sending bills to the rental address and not my home address, and that they first tenant did not make eon aware of their occupation, despite the letting agent demanding they do so. My questions are: 1) What is my best next step - contact EON? I have read previous threads and they all say do not contact LCS no matter what. 2) Or send LCS a letter along the lines of Dear Sir/Madam Ref: xxxxxxxxxxx You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves. We would point out that we have no knowledge of any such debt being owed to The Loan Company. We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question. We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. We look forward to your reply. Yours faithfully 3) Will part of the debt be time barred, as older than 1 year, seeing as they technically haven't billed me, or am I pushing my luck with that one? Many thanks for any advice. Corine
  23. Hello, We have a house, which we moved out of on 16th July 2011. Our current tenants moved in on the 29th August and have been there ever since. A few days ago, I received a letter to my parents address from "LCS" where I used to live a long time ago saying that I owe £125 to British Gas for a period of 17th July to 28th August. I certainly don't remember having anything outstanding and I have received no letters saying from BG demanding payment. I wouldn't have missed any letters since I forward them to my new address. The letter is addressed to me but they misspelt Somerset with "Summerset" (very professional). The content of the letter says that I should contact them regarding the above "invoice" to discuss the "outstanding payment". First, the house was empty and even if it wasn't, I seriously doubt we could rack up £125 worth of gas and electric usage in the middle of the summer. Second, I received nothing from BG and my credit report says that account is closed. What should I do? I don't want to contact them in case it's a [problem] and they are fishing? Should I call BG first to discuss it with them first (I am their existing customer still)? Ideas? Thanks, Alex
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