lucas chasing 5 year old British Gas debt

[iceboy]

Hi everyone, hope all ok here. 

 

I have just received a letter from a debt collection agency asking me to pay a debt owed to British gas. 

 

Upon checking my credit scores, i can see this debt shows up as settled and closed in 2016. Started in Dec 2015 and closed in July 2016 with £0 balance. 

 

I have no recollection of owing anything to British Gas. It's a very small amount (around £40) but it has been bugging me. 

 

Any idea if i should be paying this company? 

 

Thanks for all your helps in advance. 

[AndyOrch]

Which DCA......Lowells by any chance ?

 

Andy

[dx100uk]

no they would do that would they...try and fleece someone surely...

[iceboy]

It's not Lowels. It's Lucas Credit Services. Never heard of them untill now. 

 

Should I be paying or ignore it? Can they put a default on the CRAs? 

[dx100uk]

it is lucas are a trading names of lowells 

 

who are their stated client on their letter please,

 

and NO you NEVER ring a DCA ever 

they are NOT bailiffs

and have 

ZERO 

legal powers on ANY debt no matter what its type.

 

i would suggest that you have moved since whenever you had this A/C 

and BG sold the debt in 2016 to lowells but ofcourse all the letters to date have gone to your old address

 

lucas, who are very bottom feeders, have decided to waste about £2.50 and search you on credit files and have found you at your new address , hence they letter.

 

dx

 

[iceboy]

Thank you dx

 

Stated client on the letter is British Gas. 

 

I have been living in the same property for the last 10 years or so. Never moved and the debt is belonged to same address. I just dont know how they come up with this debt years later. 

 

In that case, i won't be ringing them. Do i just ignore it? Can British Gas still place a default on my accounts? 

 

I have a good payment history since then and i dont want it ruined because of this. 

 

Btw, they have also sent me an email and asking me to contact them by replying to that email or call them. 

 

[dx100uk]

thats good news you've not moved.

 

if BG were even remotely concerned about this they would have written to you themselves.

and as this is very historic and BG obviously haven't written ever, it will be subject to the back billing rules.

 

bottom line is it's dead and most certainly cannot now magically appear and ruin your CRA file.

 

very safe to simply ignore totally esp as the powerless DCA's client is the Original Provider.

 

 

 

 

 

[iceboy]

Awesome news. Thank you dx. I was about to send them a SAR but i am guessing it's not needed. 

[dx100uk]

oh god no

dont enter nor start pointless letter tennis ever.

 

dx

 

[iceboy]

1 hour ago, dx100uk said:

oh god no

dont enter nor start pointless letter tennis ever.

 

dx

 

 

Perfect. Thank you