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Moriarty Law - JC International
I have received an email from moriarty law acting on behalf of JC international acquisition LLC for a scottish power debt at my previous property from nearly 6 years ago (august 2020) stating that l owe JC international money and they are acting on their behalf and offering me a 40% discount if l pay within 28 days.
What will be the best steps to take with this please,what letter/letters do l need to send?
Also l have just checked my credit report and its showing the balance from scottish power as £0 and a default was put on my account on 27th August 2020.Please can someone advise me on the steps l need to take about this?
Thanks🙂
Comments
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JC International have bought the debt, and Moriarty law have been assigned to collect it.
It won`t be statute barred till August this year, according to those dates.
I assume its your debt and you recognise it?
Will the back billing rules apply here? you may want to check, otherwise you pay it or you don`t, I can`t think of an option 3.
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-letter1 -
When did you last make a payment to this debt and do you agree the balance is correct?
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I havent made any payments at all to this debt and l am unsure tbh if the debt amount is correct.
I havent made contact with anybody at all since at least 2019.
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What do you mean please about the back billing rules?l am all new to this sort of thing sorry.
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Forgive the Ai response, its just easier to copy and paste it.
The back billing rules set by Ofgem state that:
- You cannot be billed for energy used more than 12 months ago if you have previously requested a bill for that period and have not received one. 1
- Suppliers cannot charge you for energy or standing charges over 12 months old unless you have been billed for the same amount previously. 1
- If you receive a back bill, you should check if it complies with these rules and can complain to your supplier if it does not.
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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