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  • FIRST POST
    • G.H5000
    • By G.H5000 16th Apr 18, 2:36 PM
    • 1Posts
    • 0Thanks
    G.H5000
    Letter from Lowell - some advice needed
    • #1
    • 16th Apr 18, 2:36 PM
    Letter from Lowell - some advice needed 16th Apr 18 at 2:36 PM
    Hi,

    Randomly received a letter from Lowell Porfolio and a little unsure on how to approach the situation.

    The letter is concerning an energy debt which occured a few years ago and apparently is in my name. I have no idea why as my husband dealt with all the household bills back then and always paid up to date etc. We've since moved house if that has any bearing on it.

    The letter is stating that as I didn't pay back then that the account with the energy provider has been passed over to Lowell to handle as I 'apparently' owe them 100.

    I've done some googling and have read that calling them wouldn't help but I'm unsure on how to approach this situation. There's nothing on my credit report about this and I really don't want to hand over money that I know I don't owe.

    Would it be best to email them with this? I'm worried about ignoring it incase of any potential further action.

    Thanks!
Page 1
  • National Debtline
    • #2
    • 16th Apr 18, 2:56 PM
    • #2
    • 16th Apr 18, 2:56 PM
    Hi G.H5000 and welcome to the forum


    I certainly agree it's best not to ignore this. Does your husband have any knowledge of the debt? For example has he been contacted? Did he put the account in your name? Or does he remember there being an outstanding bill?


    You could send a prove it letter but we need to bear in mind someone who is responsible for a property can be chased for energy arrears, even if they were not named on the bill. You can ask why it is not your husband who is being chased for the debt but if the bill is correct you may find that between the two of you it needs to be paid.


    You can find useful information on liability for energy bills here https://www.citizensadvice.org.uk/nireland/consumer/energy/energy-supply/energy-bills/understanding-your-energy-bill/who-is-responsible-for-paying-the-energy-bills/. Good luck with it all.


    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • sourcrates
    • By sourcrates 16th Apr 18, 3:56 PM
    • 15,311 Posts
    • 14,399 Thanks
    sourcrates
    • #3
    • 16th Apr 18, 3:56 PM
    • #3
    • 16th Apr 18, 3:56 PM
    "Provit" letter available here :

    http://forums.moneysavingexpert.com/showthread.php?t=2607247

    Best to keep everything debt related in writing only.
    Last edited by sourcrates; 16-04-2018 at 3:59 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • fatbelly
    • By fatbelly 16th Apr 18, 6:41 PM
    • 12,718 Posts
    • 9,778 Thanks
    fatbelly
    • #4
    • 16th Apr 18, 6:41 PM
    • #4
    • 16th Apr 18, 6:41 PM
    I'd send a prove-it too.

    How long ago is the period that the arrears relate to? Do they state the period? Is itfor after you moved out?

    They should not just start a court claim (it's unlikely but not impossible for such a small amount) - they are first required to send a 'pre-action protocol for debt claims' letter.

    So no need to worry or be pressured into anything.
    Last edited by fatbelly; 17-04-2018 at 7:34 AM.
    • Debt_suvivor
    • By Debt_suvivor 16th Apr 18, 11:33 PM
    • 32 Posts
    • 8 Thanks
    Debt_suvivor
    • #5
    • 16th Apr 18, 11:33 PM
    • #5
    • 16th Apr 18, 11:33 PM
    Just call them, they can talk you through it. As all debt collectors are governed by FCA this could be a potential dispute and they need to investigate it.
    • fatbelly
    • By fatbelly 17th Apr 18, 7:33 AM
    • 12,718 Posts
    • 9,778 Thanks
    fatbelly
    • #6
    • 17th Apr 18, 7:33 AM
    • #6
    • 17th Apr 18, 7:33 AM
    "Provit" letter available here :

    http://forums.moneysavingexpert.com/showthread.php?t=2607247

    Best to keep everything debt related in writing only.
    Originally posted by sourcrates
    Great advice, You need a paper trail on this one. Don't phone.
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