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Advantis Credit chasing old utils bill


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I am being chased by Advantis Credit for an old utility debt from about four years ago. 

 

My question is, 

whilst trying to negotiate repayment,

do I have to fill in an Income and Expenditure form? 

 

I've already made a token payment offer to them which they have ignored

They just want me to fill in the form which I'm not prepared to do. 

 

It's none of their business how much I have coming in and going out of my bank account in my opinion. 

I have at least made them an offer. 

 

Can someone advise please.

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  • dx100uk changed the title to Advantis Credit chasing old utils bill

who said you have to do anything

a DCA is NOT aBAILIFF

and has

ZERO legal powers

 

who are their stated client

and what is the debt about.

 

they are the only people you should ever deal with ....never a DCA unless they PROVE you owe money

and 

are the OWNERS of a debt.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Their stated client is British Gas and Scottish Gas.  It's an old utility debt from a previous property from about four years ago.

 

They state that British Gas are their clients.

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then you ignore them totally.

 

deal only with BG.

 

tell us what you know about the history of the bill?

 

did you run away and leave one?

was there any disputes over it?

did you even know you owed them anything before you left there?

history is important as BG have lots of little things they must have done in the past to be able to claim you 'now' owe them money

 

or it simply might be a case of they've sold a whole portfolio of old debts they know they'll never be able to regain so paid these fleecers a % to see if you'll fall for their powerless twaddle letters.

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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OK thanks.

 

It's an old British Gas electric/gas bill from a property I was evicted from in October 2014.  At the time, I was made homeless so many debts went unpaid.  I recently applied for a PPI Refund and awakened a few DCA's by the looks of it.

 

I'll ignore for now.  

 

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no nothing to do with any PPI reclaim.

 

deal with BG

p'haps send them an sar.

get all the data and work from there.

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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was this account with Scottish gas and you were resident and living there in Scotland par chance?

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Nope, I was living in England and it's showing as British Gas and Scottish Gas for some reason but it was joint gas and electricity with British Gas.

 

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ok no worries

dual fuel debt thaT WILL BE INTERESTING TO SEE THat evidence

before you went when was the last fully paid up bill?

how much is this 'bill'

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I can't remember when the last fully paid up bill was I'm afraid, it was so long ago.

 

The bill is £960

Edited by Bo001
Missed a letter
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Was it quarterly billing?

Bet it was

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Smart meters billed 1/4ly ??

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I've remembered - I was originally paying by monthly direct debit before it changed to meters.

 

Anyway, reply received to my SAR:-

 

 

Dear xxxx

General Data Protection Regulation – Rights Request

 

We understand that you wish to exercise one of your rights under the General Data Protection Regulation legislation.

 

  • To comply with the requirements of the Regulation you will see that we have requested some identity information from you. This information is required by us to ensure that we verify the identity of the person making the request before responding and to ensure that we do not disclose any information to anyone, unlawfully.
    • On receipt of the identity documentation we will respond to you acknowledging receipt of the request and confirm when you can expect to receive a response from us.

 

  • We have also sent an information sheet which details what information is useful to give us as part of your request and details the data rights process at Centrica for your convenience.
    • For a most thorough search, it would be very useful to provide us with a full list of all properties where you have held products and services with us.
    • It would be helpful if you could specify if there is specific data that you are looking for; i.e. Hive data.

 

  • For us to provide your data via secure file transfer, security reasons require us to send your password separately. Please respond with the mobile phone number or postal address that you wish this to be sent to.

 

It would also be very helpful for us to understand from you the reason that you are making this request so that we can continue to look for ways to improve our company’s processes and make being a customer of ours a better experience.

 

We hope this clarifies our position and we look forward to hearing from you shortly.

 

Yours sincerely,

 

cid:image002.jpg@01D32980.B3A95C90

Steven Gale

Data Protection Manager

Centrica Privacy Operations

[email protected]

 

 

 

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Did you sign and send ctax bill copy?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Opps thats why

send ctax bill and list old address es

you must CAREFULLY read the links we send and all the links posts

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes, my fault, I didn't spot that!  Sorry.  I'll send my Council Tax bill on email as that's how they've contacted me.  It's only one address as I lived there for 20 years.

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  • 3 weeks later...

you wont

as I said at the start you ignore a dca if their letters say our client XYZ.

 

so when was your last payment or last bill issued?

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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