We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Debt letter from LCS
Options
Superkitten76
Posts: 29 Forumite
My husband has received a letter at our address today addressed to himself and his ex wife from LCS for an outstanding debt with South East Water stating they moved out of a property in July 2020. The amount cited is £264 and it is highly unlikely his ex wife will contribute anything to pay it off. He has limited knowledge of how accurate the debt might be as his ex dealt with all bills etc, although clearly added his name to everything too! Before he contacts them can anyone advise what we do please? Is he responsible for the entire amount? Should he give them her new name and address? What should he ask for in the way of information/evidence from them? Or should he try to sit it out till its the 6 year mark?
Thanks
Thanks
0
Comments
-
Sending the prove-it letter should be his first response to this.
See what they can prove or not as the case may be.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 -
did he/they move out of the property as stated in July 2020? If not then that's the first thing to get sorted.
otherwise I'd be asking for proof of the debt before admitting I owed anything at all. I'd also be asking why they think he owes it instead of his wife, assuming only her name was on the account. Basically make some noise and make them work for the money.
All that said - water companies are, in my opinion, the most cooperative when dealing with bills. If he decides that he will pay this they likely will be very happy to set up an easy payment plan to get rid of this over the next year or so.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions 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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇0 -
Thanks. We will do that. Is it worth checking with South East Water directly too, as the dates don't tally. He moved out of the property cited in Jan 2018, but the letter says July 2020?0
-
Bear in mind that LCS are notoriously incompetent. There is a huge thread about them on this board.
https://forums.moneysavingexpert.com/discussion/2983648/warning-and-advice-about-lcs-utility-investigation-civil-enforcement-debt-recoveries/p1
As the others suggest, send a prove-it and then pick holes in what comes back0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 599K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards