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First thing I've heard on this EDF account in quite some time, seems Lowell now have their grubby fingers on it!

 

Received the attached two letters (in the same envelope) - one from EDF, the other from Lowell. Pretty standard looking letters.

 

My gut tells me to ignore until such time as they send a Letter of Claim. If/when they do then put them to task in terms of following the pre-action protocols.

 

Just wondered what the current thinking is in regards to engaging or not at this stage?

 

My position is that I do not acknowledge the alleged debt and they will not be receiving any payments at any point, now or in the future.

 

Thanks :)

edf-01.pdf

lowell-edf-01.pdf

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Had to hide you attachments as you can removed the blanking

 

Very rare for a utility debt to be sold on


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Had to hide you attachments as you can removed the blanking

 

Very rare for a utility debt to be sold on

 

Thanks, sorry about the redaction - that'll teach me for using Preview to do it quickly rather than redact properly with a PDF editor!

 

So...you think it is not common place for the mass sale of utility 'debts' to DCA's? The letters are just a fishing exercise?

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How old is this debt

When did you leave edf?

 

Are you still at the same address?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Not at the same address.

Debt is from circa Aug. 2013 - left EDF at the same time.

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then you need to sent Lowell something

else they'll file a backdoor CCJ to your old address and you'll not know anything about it.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Didn't think about that...highly dubious behaviour - are there instances of them actually doing this? Not that it should surprise me!

 

So, a letter to get them to acknowledge my current address and deny the debt should suffice for now.

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I cannot find a single DCA court claim for a utils bill

neither can I find any threads whereby a dca has purchased a utils bill

somethings not right here


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Interesting. I do have another ongoing claim with Lowell/BW Legal for a telecoms account (currently at the transferred to court stage), if that has any potential bearing.

 

Last activity on this EDF account (until now) was at the start of 2014 when Buchanan Clark & Wells were sending letters.

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transferring to court stage.??

we blast telecom debts claim right out the water.

 

as a side note

so lowells DO know your correct address then?

or you've never replied once to them?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Sorry, should have explained better, the telecoms claim has just failed mediation (due to them not producing docs) and has been transferred for allocation.

 

Lowell DO know my correct current address - we have communicated (in respect of the above telecoms claim).

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hope you used our defence [unfair monies till end of unused contract]

 

send lowells nothing on this then


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Yes, sorted on the defence for that one thanks.

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I got a similar letter the other day. Lowell and EDF. Although my situation is a lot more complex.... it's a pretty old bill from uni days when I was in a house share. Someone evidently didn't pay what they had to now i've got a letter through. I had no idea and i've got no contact with those individuals anymore.

 

I'm just going to ignore it. If i'm forced too i'll have to try set the record straight and tell them the situation but since these companies buy debt for pennies and chase whoever they can(they don't care if it's you or someone else who owes it) they can politely off.

 

I'm more surprised EDF made no effort to contact me in this said time? it's been years....

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Start a new thread if you need advice.

 

You are aware of the limitations act?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just a quick update on this.

 

Lowell have been fairly active, sending 3 letters in the 2 months since the initial letter.

Just begging letters at this stage, along the lines of "Please let us know how you'll be repaying", "Please contact us to arrange payment".

 

One interesting point (maybe nothing) is that they are consistently quoting my old address incorrectly, only by the prefixing what appears to be a flat number (the address is not/has never been converted to flats) to the address - but it is incorrect as such.

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But you get the letters ok without delay?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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But you get the letters ok without delay?

 

Yes, pretty sure I'm getting letters without delay to my current address. Will double check next one with date on letter/when it actually arrives.

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Just a quick update on this.

 

Lowell have been fairly active, sending 3 letters in the 2 months since the initial letter.

Just begging letters at this stage, along the lines of "Please let us know how you'll be repaying", "Please contact us to arrange payment".

 

One interesting point (maybe nothing) is that they are consistently quoting my old address incorrectly, only by the prefixing what appears to be a flat number (the address is not/has never been converted to flats) to the address - but it is incorrect as such.

 

 

The address error is because that's what the creditor gave them. The moment you write to Lowell, someone will read your address and take notice on the address discrepancy and manually update it.

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Had the following letters from Lowell re EDF:

 

13th June - "30% Discount on what you owe"

16th July - "50% discount offer - if you contact us by 30/07/2018"

30th July - "50% discount offer is still available until 13/08/2018"

 

Will wait to see where they go with this next...

Edited by MontyIsInnocent

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:???: Whose thread is this?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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looks like skyro created another username?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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looks like skyro created another username?

 

 

Yes I thought that just as I hit post!!!! :frusty::frusty:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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