Capital resolve have changed name on a debt.

[themiz]

I have been trying to sort out a disputed debt with Capital Resolve from British gas,

 

the debt isn't in my name but is for my address and

 

British gas are saying they supplied electricity at time i was living there.

 

I'm with Ovio for my energy and always have been.

 

I pointed this out to Capital who said they checked the electrol role and can see i was living there at the time BG supplied electricity.

 

I pointed out that it is not my name on the bill.

 

They have now openly admitted that they have now changed the name on the debt to my name.

 

Surely this is illegal?

 

I have been communicating with them via Email so i have the entire conversation backed up.

[dx100uk]

how old the bill anyhow..

 

after 12mts they can reclaim anything if you've never received a bill anyhow.

back billing rules

 

CR only chase bad debt any how.

 

check your Credit file has not been trashed too

[themiz]

The bill is over 2 years old but i've never been with British gas.

 

Nothings showing on my credit file yet but i've only checked noodle.

 

I'm requested my file from both experian and equifax too.

[dx100uk]

then ignore them.

 

theres nowt they can do to you.

 

dx

[rebel11]

Hi themiz

 

Lodge a Complaint with the ICO:- http://ico.org.uk/concerns/complaints_and_compliments

[themiz]

Hi themiz

 

Lodge a Complaint with the ICO:- http://ico.org.uk/concerns/complaints_and_compliments

 

Thanks for that i'll do that and forward on the emails i have too.

[silverfox1961]

Hi

As I see it, this is a fraud committed by Capital Resolve to try and make you the debtor. As well as the above advice, I would also forward the emails to the energy regulator and the FCA (as CR are licenced by them)

 

questions should be raised at their fitnedd to hold a credit licence.

 

Are you able to copy the emails (suitably redacted) to a member of the site team to read.

[themiz]

Can't copy all of them but this is the final few emails i've including my response too, really i shouldn't of responded to them,

 

email1 - Me To Capital Resolve

 

Today at 2:19 PM

This what i'm trying to find out. My d.o.b btw is does that match the recors?

 

email2 -

 

Capital Resolve To Me

 

Today at 2:53 PM

No, we have which is the same date of birth listed for you on the electoral roll so I believe that is correct.

 

email3-

Me To Capital Resolve

 

Today at 3:28 PM

I think you should re-check the electrol register because my surname is Ellitts not Ellis. So i'm afraid this bill is not mine.

 

email 4-

 

Capital Resolve To Me

 

Today at 3:54 PM

We know it's Ellitts, British Gas originally had it as Ellis but we've amended it now on our system.

 

email 5 -

Me To Capital Resolve

 

Today at 4:17 PM

You can't do that Ellis is clearly not my name and you have no authority to change the original bill to my name. I'm sure the financial regulator would be very interested to hear about this. What you have done has broken several finincial regulations. You are not allowed to change the name on any debt.

 

After email 5 they haven't responded back yet.

[rebel11]

Hi themiz

 

Here are Debt Collection Guidelines from the OFT, it explains about chasing the wrong person.

 

Debt Collection Guidance - Office of Fair Trading

[BRIGADIER2JCS]

Make the complaint to the CEO BG. make sure your letter is headed FORMAL COMPLAINT, then BG must fully investigate and respond within 56 days.

[themiz]

This is their latest response hopefully this will be the end of it now if not i will do what people here have suggested and complain to the relevant bodies.

 

Dear Mr Ellitts,

 

I have been passed your emails for investigation.

 

We have raised query with our client today in relation to the information supplied to us.

As you can understand the information was supplied in good faith by our client and, we would at this stage have no reason to question that information with them.

 

You are also aware that there will not be any signed agreement in relation to this billing. However, in light of the name discrepancy referred to in your email, I confirm that our records have only been amended with internal comments of your email conversations and, not the actually billing name. Clearly, there has been some

misunderstanding here.

 

I will hold this account in attempt to obtain any further relevant information to assist us for a period of 7 days.

Should and additional information not be forthcoming from our client, I will have no alternative but to refer back to our client and close our files.

 

Closure of this account will ensure no further contact from Capital Resolve. However, I cannot give any assurances of placement with another agent in the future.

 

I will advise of closure of said files if nothing further is advised within the next 7 days.

[dx100uk]

they shouldn't have been chasing any bill in the first place!

re:the back billing regulations.

 

I also doubt BG are their client either.

 

dx

[themiz]

I've had more emails from them, i've now filed a complaint against them. I will keep you updated as things progress.

[rebel11]

themiz

 

I'm not saying it's reached this level, but courts take 'harassment' seriously.

 

http://www.bailii.org/ew/cases/EWCA/Civ/2009/46.html

 

Let us know what happens.

[themiz]

So far it's been a week without anything from them, hopefully they are now going to leave me alone.