I was using a utility supplier for 18 months. Every month, paid my direct debit on time. One day, they reviewed my account and said they had miscalculated my energy consumption and I now owe them £900.
I switched energy suppliers straight away as a consequence.
I am now being contacted by UK Search Limited by phone, email and text message. So far, I haven't responded and don't intend to.
I've checked my credit file. The account with the original utility supplier is closed and settled according to Credit Karma.
So what should I do with UK Search Limited? As far as I see it:
Completely ignore them until they go away (my preferred option)
Contact them in some way and dispute the debt
I would be very grateful for any advice on how to proceed. I currently have an excellent credit score.
Just received the following from the dealer I purchased from:
Dear Mr Fish.
Sorry to hear you are experiencing problems with your car.
Unfortunately my contract of sale on this vehicle is with CarMoney Ltd and any issues or complaints will have to come from them. You can contact CarMoney on 0333 4564550 you will need your finance reference number for security.
GCS Cars Ltd
Has anyone recently had any joy with claiming or at least getting a hold of these people
I got a car with them back in 99 and was definitely mis-sold PPI
Tried to claim through a 3rd party but they have said that they no longer have them on their list - I had to state Direct Auto Finance and Provident Financial who were the underwriters i believe
Really need some help
Lowell Portfolio 1 Ltd
Date of issue 16/08/19.
Particulars of Claim
What is the claim for – the reason they have issued the claim?
1. The claim comprises the following agreements the defendant entered into
a. Talk Talk telecom Ltd with reference (Account Number) and current balance 485.
b. Vanquis Bank with refrence (Card Number) current balance 596
The agreements were terminated as payments were not maintained and subsequently assigned to claimant.
and the claimant claims.
a) the total of the said sums being 1080.
b) interest pursuant to s69 county courts act 1984 at the interest rate of 8% per annum from the date of assignment to the date of issue. but limited to one year, being 7
What is the total value of the claim? 1317
Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? yes
Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?No
Did you inform the claimant of your change of address? N/A
Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card and landline/mobile
When did you enter into the original agreement before or after April 2007 ? no
Do you recall how you entered into the agreement...On line /In branch/By post ? card on line / landline mobile by phone
Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? yes
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. Debt purchaser
Were you aware the account had been assigned – did you receive a Notice of Assignment? yes
Did you receive a Default Notice from the original creditor? cant remember
Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes
Why did you cease payments? on the vanquish card because my wife lost her job and at the same time so did my son so all household bills became my responsibility. the talk talk was canceled by me , due to at least two data breaches ant the mobile was canclled as it was a monthly contract I no longer needed but they carried on charging me for a further 4 months claiming I did not cancel it correctly
What was the date of your last payment? 2016
Was there a dispute with the original creditor that remains unresolved? yes to both
Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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!