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DRO from 2018 but paid debt to Lowell
Hello, first time posting so forgive me if any mistakes. I paid off an old British Gas debt that had been sent to Lowell. Lowell contacted me in 2021 regarding this debt and chased for payment. I advised I’m sure this debt was in my DRO of 2018 but could not find proof.
now the Lowell account is clear and closed, I have recently by chance come across my DRO and as suspected , the British Gas debt is in fact listed on there. I have contacted Lowell about this however if there is a formal letter to claim a refund etc or advice how to do it, I would be very grateful. My payments were sent via Standing Order so indemnity claim through bank cannot be done.
now the Lowell account is clear and closed, I have recently by chance come across my DRO and as suspected , the British Gas debt is in fact listed on there. I have contacted Lowell about this however if there is a formal letter to claim a refund etc or advice how to do it, I would be very grateful. My payments were sent via Standing Order so indemnity claim through bank cannot be done.
Thank you in advance
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Comments
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Probably a formal letter to Lowell itemising the payments you've made since, and what you've paid off - have you used their complaints process?
Quick question - did you pay off the debt when it was with BG or Lowell?
I'd be tempted to contact FOS, as any refund may be due some sort of interest remediation as well ( I'd be asking it anyway in my complaint to them ).0 -
This quite a grey area to be honest, you would have to be reliant on the goodwill of Lowell in order to receive anything back by way of a refund, there is no specific template letter that I know of, just put the facts into writing and ask for your money back.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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