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Jaksmyboy

LCS/Coop energy SAR received...not sure what to do with it

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A little advice on how to deal with LCS regarding a coop energy debt please..

 

We owe around £500 now to LCS due to mis-communication when it came to meter readings.

 

We are currently on a 30 day hold with LCS but I expect the letters/call/texts will start again any time soon.

 

Do we need to request a SAR from coop?

 

I know @dx100uk has stated for cc debts etc with DCA's to deal with the original creditor not the DCA?

The last letter I received from LCS stated that their 'collections activity will continue' if I don't respond to them...

 

Thanks

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yep go it in one 

you ignore powerless LCS.

 

whats this debt from please

historic use

use at a previous home 

expand please


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Use at a previous address. For over a year they failed to tell us that they needed meter readings and they weren't read once, so all estimated bills then hit with this bill just before we surrendered the property last August.

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did you get a reading before departure?

was this dual or just one fuel?

dx


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Yes we submitted a reading before we left, I had started to submit readings for a few months and think I had arranged to pay more a month to start paying off the debt, but then we moved out.

 

Duel fuel..

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send co-op and sar then.

probably not correct bill and they cant really do anything to you now.

 

bottom of the pile for sure


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I sent Coop a SAR as I got hit with a massive bill due to estimated readings and insufficient payment amounts.

 

From November 2017 (where my bill shows -£4.65) to April 2018 my bill was -£551.90.

 

I was paying £64/month after this was reduced from £93 in August 2017.

 

I had a bill issued in;

November 2017 -£4.65

December 2017 -£128.14

February 2018 -£277.27

April 2018 -£551.90! 

 

There are a few comments on the transcript I have highlighted that look a little suspicious

-just wondering really what I can do from here with this account?

 

I feel that Coop were irresponsible in their management of the account.

There was a significant amount of time that I didn't receive a bill and couldn't access my account online.

They blamed me for not providing meter readings but they used to send a meter reader to the property then this stopped

-I wasn't aware that this would/had stopped.

 

Thanks

 

 

 

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Put everything in one pdf

And use pdfreducer then

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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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

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at the end they admit the readings are high and there must be an error.

pers id ignore everything until/unless you get a letter of claim

 

The co-op has you correct address

 

Dx

 

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Single Premium PPI Q&A Read Here

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Ok, thanks

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Yup, I've ignored any energy debts, and never had a claim form.  Providing they have your correct address, forget about it.

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Hi all

 

Just an update on this debt of ours.

 

Today we have received a 'Letter of Claim'  talking about taking us to court unless we agree to a payment plan etc-sent by Moriarty Law.

 

There is a reply form enclosed with the letter that it states we must fill in within 30 days otherwise it COULD result in court proceedings?

 

Is this a genuine threat-do I need to fill out this form and send it in?

 

I did receive a SAR from Coop and it did show discrepancies in their communication with me/info regarding meter readings etc?

 

Thanks in advance for any advice.

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Read the above and complete using our forms not the theirs.

 

Andy


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Thanks @Andyorch, is this energy debt covered by the consumer credit act, as I didn't send a CCA request to them just a SAR? And if it is covered by the consumer credit act do I send the CCA request to LCS (the DCA last known to be dealing with the account) or Coop?

 

Thanks

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who are moriarty's stated client please 


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13 minutes ago, Jaksmyboy said:

Thanks @Andyorch, is this energy debt covered by the consumer credit act, as I didn't send a CCA request to them just a SAR? And if it is covered by the consumer credit act do I send the CCA request to LCS (the DCA last known to be dealing with the account) or Coop?

 

Thanks

 

No


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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really co-op energy are going to court 

I think not...

 

anyway fill out our PAP response form as advised

ask for all bills and state the debt is in serious dispute regarding accurate readings ??

was that what we concluded earlier


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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

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The CAG Interest Tutorial Read Here

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Yes that's right @dx100uk. They stated that the meter readings 'didn't look right' from the info in the SAR.

 

I will fill in the form and send off.

 

Thanks

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don't forget use our examples [sort of]

and our reply form

 

it goes to moriarty.

 

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

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Do I need to request the notice of assignment for this debt or is it not relevant to energy debts?

Thanks

 

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no its not been sold


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

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So...I had a letter from Moriarty Law today (in response to the reply form you advised, which was sent off a couple of weeks ago). They state that they are no longer dealing with the account and that it has been passed back to Coop...

 

Is this 'normal', for them to threaten legal action in 28 days and then retract it and pass it back to the original creditor?

 

What can I expect now? Correspondence from Coop?

 

Thanks

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aw..cut n run away.

 

see what happens.


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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