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Bgas/BPO - wife being chased for Bgas Bill, never lived at address/ID Fraud?


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My wife received a letter from BPO debt collection agency a couple of months ago demanding £1400 for an outstanding British Gas bill.   She's never had an account with British Gas so we sent them a "prove it" letter.   

 

hey have now replied with a copy of what appears to be a genuine British Gas bill, in my wife's name, but an address that we have never lived at.  The address is just down the road from our last house, that we left two years ago.

 

it appears that our ex-neighbours decided to use my wife's name to run up a huge bill, then they've done a runner without paying (the bill also says "we're sorry you're leaving") .

 

We have contacted the police but they said identity theft is not a crime and so it has not been recorded as a crime, and they will not investigate further.   They gave us a reference number which they suggested we pass onto the debt collection agency. 

 

I will write to BPO today explaining this, and I will include the police reference number.   Is there anything else I should do, anything I should be aware of?

 

Thanks in advance.

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  • dx100uk changed the title to Lowell/BPO - wife being chased for Bgas Bill, never lived at address/ID Fraud?

i will guess BPO's client is Lowell?

if she never lived at that address and you have written from your present address telling them it's ID theft/Fraud, then you've done all good to date.

 

simply ignore them and see if they issue a letter of claim.

 

 

  • Like 1

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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Who are bpo's stated client.j

 

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

I suggest that whatever happens that you should send British Gas a subject access request immediately. Nothing to lose by getting as much information as possible to try and understand the whole story

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  • dx100uk changed the title to Bgas/BPO - wife being chased for Bgas Bill, never lived at address/ID Fraud?

so you've never directly to date contacted BG?

only, blindly played silly letter tennis with a powerless DCA who are NOT bailiffs and have zero legal powers on any debt no matter what it's type

 

 

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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Posted (edited)

"Blindly played silly letter tennis"??  I sent a "prove it letter", which is what is what is generally recommended I believe.    You yourself wrote "you've done all good to date" only a few hours ago! 

Edited by chris_m_
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well until we knew BG still owned the debt.

pretty much as you've now found out ...deal with the original creditor always not a DCA unless they have sent a notice of assignment and purchased a debt. it get no-one nowhere other than being led up a garden path. though ofcourse even if they own a debt, it gains them no more powers as they were powerless in the 1st place..

 

 

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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46 minutes ago, BankFodder said:

I suggest that whatever happens that you should send British Gas a subject access request immediately. Nothing to lose by getting as much information as possible to try and understand the whole story

 

Thanks.  Although they shouldn't have any record of my wife at all as she's never had an account with them.  The problem here is a bill associated with an address we never lived at, and I wouldn't want to mention that address on a SAR as it could muddy the waters surely?

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That's fine. If they report back that there is no record of your wife and they can't supply you with the data, that's a - Win.

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I never wrote anything to the contrary, nor did I ever mention Lowells -- these were all your incorrect assumptions.   Are you here to offer help or to pick fights?

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of course not just going by the usual run of these things. BPO collections are part of the lowell group

its rare for BG to do this through a fleecing chaser, they usually sell the debt on, hence my guess.

 

as bf says they'll be no data as you wife wont be on their records at the other address...

 

have you looked at her credit file?

this could get interesting if this debt shows...

 

 

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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