LCS? Ignore or follow up?

Doglost10101

Hi there, I'm hoping someone can offer me some advice.

I received an odd email from British Gas around 3 weeks ago saying to contact them RE owed money of around £70. I haven't held a BG account for well over 18 months, and paid anything owed in full. My credit file said settled and that was that. I've now moved address and am with a different provider.

I couldn't log in to BG website as it said I didn't have an account anymore, despite previously having one when I used to pay online. I left it at that, assuming it might have been a mistake email or something dodgy and automated.

I've then had a telephone message on my phone referring to my and my ex-partners name from LCS to contact them about an account that is outstanding. They have sent me a text also. But they don't have my current address so I won't receive any letters.

I KNOW I don't owe anything, but I'm not sure what to do here. If I call them I'm assuming from what I've read that they'll want my current address etc which I'm not prepared to give them. should I just ignore them? Will there be credit score implications? I've checked my credit record today and I have no outstanding balances with LCS or British Gas or anyone that could be remotely related to them.

Thanks!

National_Debtline

Hi there,

This is a tricky one because whilst you don't have anything in writing it doesn't seem to be going away either. Realistically, your choices are: -


- send an email to LCS with the 'prove it' letter and reference the calls and emails you have received. The risk with this is that you could open a can of worms, it could be a scam and now you are handing over more information.


- ignore it and see if anything does come in the post and if it does, deal with it then. The risk with this is that they will only be required to send certain things (like court papers) to the last known UK address and if you don't want to update them with your new address you could miss the paperwork - this is a worst case scenario.


You are right to keep your eye on your credit file (check all 3 to be certain) and I think you should continue to do this for now. Good luck,


Laura
@natdebtline