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NPower & Lowell chasing old bill.


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Apologies if this is too similar to the other similar topics posted recently.

 

I too have received  a letter from Lowells, accompanied by a letter from Npower chasing a dual fuel debt which they say relates to August 2013 to Feb 2015 at an old address.   

 

I had major problems with Npower at that time, not sending a bill and then them failing to set up agreed direct debits on 4 occasions.  At the time they then moved me across to a Prepaid meter, against my wishes.   I moved out of the property in October 2015 with credit remaining on the meter.    In my credit report they lodged a default which is showing as settled September 2017 for a completely different amount.

 

I complained to Npower at the time and had no response to my emails.    Do I need to respond to this letter from Lowells and can I do anything about the default date being so much more recent than the account closure date?

 

Thanks

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you state this was at an old address?

have you informed either lowells or Npower in writing you moved?

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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then you must reply else you risk a backdoor CCJ which is why they have written.

 

so follow the other like thread here ....yesterday was it

with that same response.

 

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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And pre 2014 bills are sb'd

 

The main point being legally they now have your correct and current address.

 

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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But send the SAR anyway.  It costs nothing and there is noting to lose

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letter to lowell

sar to npower.

 

 

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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Share on other sites
  • 2 weeks later...

good they now have your correct address no risk of a backdoor CCJ.

until/unless you get a letter of claim you are safe to ignore the little fleecers

 

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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Share on other sites
  • 2 weeks later...

Further update; have received the attached reply which is a more specific response to the letter I sent.  It was accompanied by a final bill from Npower dated 30 August 2016 for the period 23 Nov 14 to 16 Feb 2015.   

 

Do I need to do anything at this stage?

 

Thanks

 

Lowell Letter.pdf

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typical lowells BS.

 

the fact that you might last have paid within 6yrs

nor

the fact that npowers billing date is within 6yrs.

 

does NOT mean that back billing rules do not apply.

 

its nothing to do with SB at this stage.

 

but i see they've given 60 days...so that should nicely move anything they can do to feb 2021

then they'll have to send a letter of claim, that would give you a further 30 days

 

so we are now at the start of march 2021 at least.

 

so the whole debt will be statute barred by then ..nice try lowells to  get free money from MUGS for your staff xmas party drinks 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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Share on other sites

Thanks.  Sorry to ask stupid questions, but does my recent correspondence on the bills not rule out the debts becoming statute barred in February?   Also, as their evidence of the debt is a bill dated 30 August 2016 for the period ending Feb 2015 is that not an example of back billing itself?

 

 

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no.

the back billing rules is now somewhat immaterial

 

they ain''t going anywhere fast with this

stand you ground

yours is not the next move.

 

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... 

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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Share on other sites

You mention that you moved out in October 2015 and had credit on a prepayment meter at the time. Did you inform Npower that you had moved out and close the account, what date was the default notice issued, why does the letter from Lowell state the supply ended in Feb 2015 when you moved out in October?

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Utility companies cant issue default notice s its not covered by the cca 

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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Share on other sites

Wont matter really..

as you point too bill from oct 2016 mentioning debt from 2015, most obviously covered by back billing rules..but over ridden by the fact that any debt due is outside 6yrs..

 

the ruling meaning dn +14days = SB date doesn't change sb date of non CCA covered 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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Share on other sites

There was payment made on 19th February 2015 so statute barring could run from that date. You mention backbilling rules as if it can just be mentioned to be exempted under those rules and it will be accepted without question. It is not clear whether the debts are subject to backbiling rules or not or whether any of the debt is statute barred.

 

My question about the default on the credit report was not to establish the statute barring date as that's obviously being claimed to be 19 Feb 2015 by Lowell.

Edited by Will Goodfellow
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After months of haggling with npower trying to set up direct debits, failing and making manual payments, in February 2015 they swapped me over to a prepayment meter.    As the meter was around £20 in credit when i moved out, I didn't think of notifying npower of my change of address. 

 

The default is showing on my Experian credit file as September 2017.

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Prepayment meters are usually installed where there is a debt in order to collect repayments towards that debt. Each time you top up, it is usual for an amount to be taken to pay off arrears. Being in credit on a prepayment meter doesn't indicate that you do not owe any money to the supplier.

 

If the date of the 'default' on your credit report also shows as 'settled' in Sept 2017, it is probably not a default but the date on which the debt was sold to a debt purchaser.

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On 04/12/2020 at 11:54, dx100uk said:

typical lowells BS.

 

the fact that you might last have paid within 6yrs

nor

the fact that npowers billing date is within 6yrs.

 

does NOT mean that back billing rules do not apply.

 

its nothing to do with SB at this stage.

 

but i see they've given 60 days...so that should nicely move anything they can do to feb 2021

then they'll have to send a letter of claim, that would give you a further 30 days

 

so we are now at the start of march 2021 at least.

 

so the whole debt will be statute barred by then ..nice try lowells to  get free money from MUGS for your staff xmas party drinks 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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