Warning and advice about LCS Utility Investigation Civil Enforcement Debt Recoveries

SallyanneC

I received a letter from them yesterday saying I owe nearly £500 to HMRC for "single person tax credit"? I received a rebate very recently from HMRC....? I will contact HMRC directly tomorrow as I have never received single person tax credits. The letter says I have 14 days to pay it or they'll send the bailiffs.... Thanks for the posts everyone. They have really helped to settle my mind. I've been so worried about this! 

sourcrates

Send the bailiffs ? I very much doubt that’s what the letter means, LCS are just collectors, in order for bailiffs to visit you HMRC would have to take you to court and obtain judgement in their favour.
LCS cannot do anything.

BadDebtor

SallyanneC said:

I received a letter from them yesterday saying I owe nearly £500 to HMRC for "single person tax credit"? I received a rebate very recently from HMRC....? I will contact HMRC directly tomorrow as I have never received single person tax credits. The letter says I have 14 days to pay it or they'll send the bailiffs.... Thanks for the posts everyone. They have really helped to settle my mind. I've been so worried about this! 

Did you get a letter or an email ?  I have seen a load of fake HMRC emails lately. 
Even if it were genuine, there has to be a reasonable attempt to settle a debt, you can claim hardship and ask for a year or more to repay according to your circumstances.   
If it were genuine I would be doing a subject access request for all HMRC have to make sure they have not assigned the file of someone else to you.
Do not respond to any phone numbers on the letter, find the HMRC number from their website and establish if the letter is genuine, say you have never claimed this in your life and you would like to request a SAR and request they suspend any chasing of alleged debt until you have had a chance to establish the cause of their error.

fatbelly

As I said in a previous post - talk to the organ grinder rather than the monkey.

BadDebtor

fatbelly said:

As I said in a previous post - talk to the organ grinder rather than the monkey.

As I said in the previous post, the organ grinders are not the problem, they register a debt, they sold the debt onto debt agencies who pass you around in bukkake fashion for each to have their go.

Once the debt is sold it is paid by the insurance of the lender who only paid 3% of the cost of the debt in the first place and sold it off for 5%, yet I was expected to repay the debt in full after years of paying interest at 12x per annum the 3% initial cost to the lender.  As an economy this is why we will always be in debt as a country, the debt is paid off by insurance but it is still in the system as debt.
 
What would you have me do, go to the Lender and say "hey you know that debt you sold off 12 years ago can you tell me how the credit reference agencies are using that data, who they are sharing it with and who has alerts on my file"

Maybe you misunderstood my OP buy only the CRA's can give me the full picture of where I stand.

fatbelly

This is LCS - they don't buy debts but they do act for HMRC.

Your advice to Sallyanne was good - 

Do not respond to any phone numbers on the letter, find the HMRC number from their website and establish if the letter is genuine, say you have never claimed this in your life and you would like to request a SAR and request they suspend any chasing of alleged debt until you have had a chance to establish the cause of their error.

kubo5300

Hello, I received letter  from LCS that I have over 1900 pounds debt for dual fuel consumed between 11/2015 and 06/2016. Their client is EON BCW. Really we lived on that adress what they said but we made all payments properly through the post...

First time eon contacted me after two years on my email in 2018( i have dept over 300 pounds), then  i spoke with them on live chat on their website, they told me they closed my account because i didnt was there more like 2 years. Then again eon contacted me this year ( after 4 years what i lived there )  I have written and called them several times. However, up to now, they have not given me any cooperation in resolving this issue. And right now is here email from LCS. I never didnt sign any contract or something like that with eon, they just send letter to adress in uk where we lived and we paid it through the post. 

I hope somebody can help me with my problem, because i dont knoiw what can i do right now.

And i hope you will understand everything because my english is not so good.

Thank you. 

sourcrates

Forget phone, forget live chat, send them the provit letter, they must be able to provide written evidence of your liability for this or any debt.
Ultimately if you get a claim form, then defend on the basis no debt exists.

kubo5300

i spoke with my lawyer and we sent them official letter one week ago with the following text

According to § 10 par. 4 of Act no. 97/1963 Coll. on International Private and Procedural Law, Obligations related to the consumer contract are governed by Slovak law.  According to § 101 of Act no. 40/1964 Coll. (Civil Code) the limitation period shall be three years and shall run from the date on which the right may have been exercised for the first time.

I am of the opinion that your claim has long been barred. Therefore, I ask that you properly find out who currently lives at the address and uses your services. Therefore, I consider the case to be closed and I ask you not to contact me again.

fatbelly

kubo5300 said:

i spoke with my lawyer and we sent them official letter one week ago with the following text

According to § 10 par. 4 of Act no. 97/1963 Coll. on International Private and Procedural Law, Obligations related to the consumer contract are governed by Slovak law. 

According to § 101 of Act no. 40/1964 Coll. (Civil Code) the limitation period shall be three years and shall run from the date on which the right may have been exercised for the first time.

I am of the opinion that your claim has long been barred. Therefore, I ask that you properly find out who currently lives at the address and uses your services. Therefore, I consider the case to be closed and I ask you not to contact me again.

You live in Slovakia and LCS are writing to you about a Slovakian account?