yes I moved out in 2014. This is the first I've heard of any outstanding bill! The letter is a 'Payment due' letter, not an official court or claim form at this stage. I have actually had another old energy bill from Lowell (this is what happens when you move house a lot) which came from their solicitors devision with an official country court claim. That bill was from 2014/15. Theres no way of me checking what payments were made or if the amounts are even correct.
kk, thank you
From what I have read, a reconstituted agreement only needs to have the correct name and address.. : /
Is this any use at all, or is it outdated please? I keep finding mixed answers:
Section 61(1)(a) and 127(3) Consumer Credit Act 1974 that dictates that a creditor must be able to produce a signed document, not necessarily the credit agreement that contains the prescribed terms. This document must include the credit limit, the interest rate and details of how and when a debtor is to discharge his payment options. That failure to produce such a document is capable of rendering the agreement irredeemably unenforceable.
ah the old Lowell DCA buying old dual fuel util debts and thinking that because its an energy bill it gives them magical powers.
well it doesn't.!!
I will gather you moved from the address this was left at years ago
and lowells have simply sent a phishing letter to your current address after trawling your credit file?
not a letter of claim?
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!