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    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   2. The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974.   3.The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago   Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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andrew1402

lowell Claimform - OH's old EON util debt ***Claim Discontinued***

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Hi guys

 

Just need a little help again with my wife's debt by EON apparently here goes.

 

a few months back Lowell came on the seen chasing an apparent debt from EON as stated above

 

as far as we are aware EON has always been in my name never my Wife's

 

it's for £160 yet my wife has checked her credit report and nothing there about EON or Lowell.

 

Now Lowell are apparently deciding whether to take legal action and kindly showed us what the proceeding would be if they decided to take legal action is this legal as we have no knowledge of the debt? but they have an account number?

 

any help with this please and hope it makes sense

Edited by dx100uk
Spacing

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I would query the account number with EON, their billing system is garbage, and possibly someone with your wife's initial and your suname has an account in default. Is the account number your's?


We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Moved to The utils forum

 

What letters have you had and have you replied?

 

Scan everything up to one pdf file

Read upload


please don't hit Quote...just type we know what we said earlier..

 

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Silly old lowlifes stillscraping the bottom of the barrel....

 

IGNORE Lowlifes, absolutely zero they can do, less for send out reams of garbage, get onto EON direct, and have them account for why this tin pot circus outfit is begging for money from your wife.

 

Have you ever been with EON?

 

What date does this refer to?


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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" as far as we are aware EON has always been in my name never my Wife's "

 

So if the account is in your name.....do you know what the debt is....? Have you left EON for a new supplier ?

 

Andy


We could do with some help from you.

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no Andy I've always been with EON and the debt is in my wife's name and doesn't show up on her credit file that's my dispute is there a letter I can send to EON and to Lowell Financial?

 

Sorry forgot to add the amount of debt it is £166.64

 

Have you ever been with EON? I'm with EON with Electric as prepay meter have been since we moved in in 2005

 

What date does this refer to? May 2014 I think

Edited by dx100uk
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Well there not going to get very far then if the account was in your name....ignore them.


We could do with some help from you.

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The account in question is in my wife's name though seems a separate account,come to think of it though my wife I think tried to get a gas account with them and couldn't because of credit then they offered to change meter to pre paid but couldn't be fitted but can't be certain because I've been with SSE for along time.

Hope that makes sense ?

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Your story seems to be wandering.....

 

" as far as we are aware EON has always been in my name never my Wife's "


We could do with some help from you.

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sorry I was thinking back and just remembered either way shouldn't of been charged for something we didn't have surely ?

Edited by andrew1402

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Absolutely ...if they have never been your supplier.


We could do with some help from you.

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also as far as we know of we have never had a letter of Eon regarding this bill and nothing showing on mine or my wife's credit report so what should I do next? do I write to EON CEO or whatever as if I ring them direct i'll just get some salesperson or clerk

Edited by andrew1402

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I doubt EON would converse with you as they are no longer the owner of the debt.....Ring Lowell and put it into dispute tell them you have never been a customer of EON and its a case of mistaken identity ?


We could do with some help from you.

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it's not mistaken identity though it's in my wife's name she tried to get an account for gas with them they ask for £200 for some credit check she said couldn't afford it so they offered to put a pre paid meter in but turned out couldn't be fitted but still charged us by the looks of it also I've been told many times do not ring Lowell I'm sorry if I've mislead the thread i'm just remembering what happened

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Well in that case just ignore Lowell they have no documents to prove the debt so I doubt anything will ever come of it....retain all the paperwork though for future reference.


We could do with some help from you.

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paperwork from Lowell? we don't have anything else unfortunately it's been that long

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Well retain the one document referred to in post#1 of this thread.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Just ignore them until they or you have some idea of what's going on and can then get advice on what to do next.

 

It seems, you have no idea what they're after, and neither do they, and until such time one or the other divulges the entire story everyone will go round and round.


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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I am hoping someone will be able to give my wife some advice, 

They received a letter from Lowell regarding pre-legal assessments dated 4th March 2019 with regards to a debt that is not on their credit file. 

This letter was sent to her in her married name. 

 

today they have been sent a letter from lowell solicitors dated 15th May 2019 with regards to the same debt

this time its in her maiden name threatening court action and court costs. 

 

We have looked at both letters with her married name and maiden name and its the same debt with the same amount and account number.

 

They are unsure what is best to do as we have been married 17 years and can not understand why they have gone from using her married name to now using her maiden name.

 

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What type of debt ?

 

last payment made approximately ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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has she moved since taking this credit out?

 


please don't hit Quote...just type we know what we said earlier..

 

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How old is the debt and what type, Credit card, Store Card Catalogue ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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No payment has been made on this debt as my wife didn't know it existed until she received a letter from Lowell stating she owed the money. 

 

The debt is owed to Eon from 2014. 

However, I have always had the utility bills in my name. 

 

We moved into our current home in 2006 so she is still confused about how she can have the same request from Lowell in both her maiden name and her married name (we got married in 2002)

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Could be a faulty trace, or a wrong entry on a CRA file, has she checked her credit record, if not do so, Noddle and Clearscore are free.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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She has checked her credit score and this Eon debt is not on her credit file

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