How to dispute a debt?

sourcrates

8bits said:

Thanks.

One last question I have is, how common it is to pay a reduced debt if you dispute it? Can you even ask this, or does disputing a debt means you don't recognise you owe any money?

Because I do understand I owe some money to npower as I used their energy, but on the other hands the fact they prevented the switch to happen, plus the non competive tariff for 3 months still annoys me to this day. I know I should probably have settled this with npower back then...

The question here is does the company that is asking you to pay this debt have the proper legal authority to do so.

Its not about whether you owe the money or not, its about whether they can prove you owe it.

Lowell buy debts at a fraction of their face value, so it will be possible to negotiate a full and final settlement, of an amount much less than the outstanding balance, as they have much more wiggle room than the original creditor had, which I think is what you may be referring to.

Mistral001

8bits said:

Thanks.

One last question I have is, how common it is to pay a reduced debt if you dispute it? Can you even ask this, or does disputing a debt means you don't recognise you owe any money?

Because I do understand I owe some money to npower as I used their energy, but on the other hands the fact they prevented the switch to happen, plus the non competive tariff for 3 months still annoys me to this day. I know I should probably have settled this with npower back then...

You would have to do it through the courts.  But is it worth it? The most you could expect to gain is the difference between the two tariffs and that would be very doubtful.  Learn and move on.  You are right to feel aggrieved at the way you could not get through to the company to get this sorted out quickly.  That seems to be normal customer service these days.