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Lowell suddenly chasing 2014 disputed debt Sainsburys/British Gas

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The issue that I have experienced was after unresolved and disputed issue between 2014 -2016 I got letters out of the blue from Lowells 7 Feb 2019 Lowells demanding payment for unresolved and disputed debt (more below). They have called several times a day every day. I have blocked their number and sent them email letters saying I do not accept the debt.

 

Unresolved dispute from 2014 relating to Sainsburys Energy and later British Gas as they subcontracted energy to Sainsbury's.

I have a massive case file on Resolver dating back to 2014 and all sorts of contradictory responses from a whole variety of different people, both at Sainsburys and at BG. I have mental health problems and both Sainsburys and BG were aware of this. 

Matter still unresolved. Balance has been in dispute since my original complaint in 2014 and despite endless letters and complaints nothing was resolved and my last request for resolution 1st Feb 2016 was ignored. I asked for a waive of all charges.  No response.

 

Debt was sold on several times as follows:
2015

  • May 2015 Moorcroft Debt Recovery
  • Sept 28 and Oct 12 2015 Allied International Credit asking for payment
  • 10 Nov 2015 Buchanan Clark & Wells asked for payment - told them it was in dispute
  • 30 Nov 2015 Buchanan Clark & Wells asked for details of the dispute
  • Nov 2015 Fidelite Credit Management wanting payment re British Gas. I sent them an harassment letter on 27th Nov
  • 30 Nov 2015 visited at home by "Arslow" from  Fidelite Credit Management, he wanted money re. British Gas, I showed him the letters from Sainsburys Energy (Sept 2015) saying they were sorry it was taking them so long to deal with my complaint, Arslowsaid no problem and that he would close the account
  • Dec 2015 Fidelite Credit Management apologised for inconvenience, hadn't realised debt was in dispute, returned account to British Gas, assured no further contact

 

2016

  • 14th Jan 2016 Fidelite Credit Management wanting payment re British Gas. I sent them a copy of my  Complaint Reference letters
  • 14th Jan 2016 Sainsburys Energy  letter saying sorry we're not meeting your expectations and we want to resolve your complaint asap...
  • February 2016 Richburns Ltd: I phoned them and told them the debt was in dispute, they wanted details, I told them to ask British Gas. I also sent them an harassment letter
  • Sept -Oct 2016  LCS Debt Collection letters, final notices, notifications of defaults, offers of settlement.... I ignored all of them and have heard nothing since their last letter 13th Oct 2016

 

My Feb 2016 request was ignored.

I heard nothing more until out of the blue on 7 Feb 2019 Lowells demanding payment saying they now owned the debt. They have called several times a day every day since early Feb. I have blocked their numbers and sent them letters saying I do not accept the debt. 

 

I was planning on opening a new Resolver case to deal with Lowells but I wanted to ask advice here before getting back into this issue, which will make my life a misery and consume all my time. I was at the end of my tether then. I can't do it all again.

 

Any advice please?

Thanks
 

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Thanks for posting up this detailed description.

I see that you have posted the timeline of the dispute but you don't seem to have told us anything the issues in the dispute.

I gather that you were receiving your gas and electricity energy to a contract with Sainsbury's – so on that basis any issue should be with Sainsbury's.

However, maybe you would like to tell us about your arrangement with Sainsbury's – when did it start, why did it go wrong, who were you with now – anything else.

A reasonably succinct chronological bullet pointed account would be helpful.


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Hello, thanks for your message. I wish I could provide a succinct summary of the two years of to-ing and fro-ing with both Sainsburys and BG, but I can't.

I've attached the document I sent to Sainsburys with my last message (below) via Resolver.

I apologise for the 7 page document length. I can't summarise it further without spending half a day on trying to do so. Please forgive me?

Thanks for your patience!

 

Sent via Resolver

Dear Gregg Johnson, Complaints Manager

Please refer to ALL the previous info I sent on 12th Oct 2015 and particularly the draft email (copy attached) which states

" In answer to your other question, what I am looking for is for Sainsburys to waive all the currently outstanding charges on my account and to provide further energy supplies without charge until such time as I can arrange an alternative supplier or until the end of February 2016, whichever is the sooner"

This has not been addressed.

 

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I'm sorry but you will need to give us the essential facts of your contract with Sainsbury's here.

It may take you half a day but if you are prepared to lay it out carefully then we may be able to give you some very good advice. We advise people for free – but in exchange we do expect people to engage with us and to set out their stories.


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I think you need to state in precise terms why you don't owe the amount you were billed for by Sainsbury's/British Gas. While having all the details might be useful, it can make it more complicated than it really is.  

 

And how much approximately is the outstanding bill sent to you by the last energy company that said you owed a debt ?

 

Have you sent the energy company that registered the debt, a Data Protection Subject Access Request ? It might be worth doing so.


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Stop using useless resolver

all the dca's prior to lowells were simply chasing for BG

the debt wasnt sold anywhere till lowells

 

if youd simply ignored them instead of silly complaint s it would have gone away by now

but you entered into pointless letter tennis and silly harassment letters and you used the phone too.

next time ignore everything unless you get a letter of claim from a solicitor

 

.


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On 30/03/2019 at 15:55, BankFodder said:

I'm sorry but you will need to give us the essential facts of your contract with Sainsbury's here.

It may take you half a day but if you are prepared to lay it out carefully then we may be able to give you some very good advice. We advise people for free – but in exchange we do expect people to engage with us and to set out their stories.

OK, thanks and understood. I'll try to get something back to you asap

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On ‎30‎/‎03‎/‎2019 at 16:26, unclebulgaria67 said:

I think you need to state in precise terms why you don't owe the amount you were billed for by Sainsbury's/British Gas. While having all the details might be useful, it can make it more complicated than it really is.  

 

 - Because after 2 years of querying the charges and ongoing unresolved complaints relating to trying to get straight answers  and receiving contradictory responses from various different people/departments both at Sainsburys and BG, I was going to take it to the ombudsman, then Sainsburys said they wanted to resolve it independently so I asked them to waive all charges. They didn't respond.

 

And how much approximately is the outstanding bill sent to you by the last energy company that said you owed a debt ?

 - British Gas said I owe £285.57 on my Sainsburys gas bill and £396.16 on my Sainsburys elec bill.

 

 

Have you sent the energy company that registered the debt, a Data Protection Subject Access Request ? It might be worth doing so.

 - I haven't and now I will, thanks for the suggestion

 

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23 hours ago, dx100uk said:

Stop using useless resolver

 - I used it because it was recommended by Money Saving Expert. I don't understand why they would recommend it if it's useless?

 

all the dca's prior to lowells were simply chasing for BG

the debt wasnt sold anywhere till lowells

 - sorry, my silly mistake; the letters from Moorcroft Debt Recovery were from May - July 2016, not 2015. I thought BG had sold the debt to Moorcroft.

 

if youd simply ignored them instead of silly complaint s it would have gone away by now

 - I thought it had gone away since I'd had no reply after I asked in Feb 2016 for all charges to be waived

 

but you entered into pointless letter tennis and silly harassment letters and you used the phone too.

next time ignore everything unless you get a letter of claim from a solicitor

 - wouldn't that be too late to tell them I'd been disputing the debt since 2014?

 

.

 

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Ofcourse NOT.

No dca has any legal powers whatsoever

They are NOT BAILIFFS

 

.


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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and can you please learn to multi quote properly

trying to find your reply is difficult or put it in a different colour

as ive done for yo in post 8

 

dx


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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