Unaware of CCJ

[Amethyst]

Pretty much ... and RBS will sell it on at some point if they haven't already

Did you manage to get into your credit files ?

[Blossom71]

Oh Lordy! It would seem that all my debt chickens are coming home to roost this week

Before I moved, almost 4 years ago, I wwas disputing the amount of my gas/electric - it was with SSE/Scottish power - I gave them my new address (my current home) and then heard nothing until now ...

I feel like an idiot but I haven't given it much thought since ...

[Blossom71]

Yes I've managed to get into Middle btw

[Blossom71]

Noddle!

[Amethyst]

Okay, not suprised there was a dispute over the bill, that'd be more than 4 years worth of my electric bills ( not that I have bills I switched to prepay after a ridiculous cuffuffle with Eon years backwhere some dick had transposed meter readings and they didn't think to question how my electric had shot up insanely while I had vastly overpaid my gas. lol. )

I would send a SAR to SSE to start with Subject Access Request Letter

Then see if you do have any documents at all relating to the dispute, you will need to write back to LCS to tell them the basics of the dispute and that you haven't heard from SSE for x years.

Did you go to Ofgem at all at the time or did it all get waylaid with more important stuff ?

How's noddle looking ? Does the ShopDirect account show on there at all ( other than as the CCJ).

[Blossom71]

I feel like I'm falling back down the black hole at the minute ...

No to Ofgem, if I can recall correctly, they kept estimating bills and all of a sudden sent me a letter saying 'sorry, you've been under paying on your DD and we need to increase your DD amount to 'ridiculous £ hundreds per months' I rang and spoke to lovely girl who said it wasn't right, that I would fall into their 'people we can help' bracket (daughters disability is affected by cold, she also has stress incontinence AND insisted on lights on 24/7 so she'd feel safe at night) and that they would wipe out at least 2 thirds of the amount owing and not to worry.

whenever I call anyone regarding an issue, I always make a nit's of their name, times/dates who so I miiiiight have something like that but it's 4+ years ago and in the house move I can't guarantee it.

I'm now wondering why it only says Electric ... no mention of Gas ...

noddle has nothing on it except current bank account, current utility bills, phone providers and insurance quotes and this SSE account which is in my open accounts.

[Amethyst]

Noooooo, you can deal with this, sod the blackhole, you can just get stuff dealt with now Nothing bad is going to happen xxx If there is a legitimately outstanding debt you can make an offer to pay based on your income/expediture and it can only be an affordable amount ( and can take into account any other debts there may be and of course all your priority payment slike council tax, current utilities etc )

( I have a debt plan in place with LCS at the moment and they were pretty good to deal with actually, made sure my IE sheet was right and I got a sensible plan in place to repay a tax credit overpayment over a couple of years )

You might have to buy a couple more stamps though ... of course just amend these as much as you like


TO LCS....

--------------------------------------------

Dear LCS

Your reference: xxxxxxxxxxx

Thank you for your letter dated 18/09/2018 which I have received today.

The alleged outstanding balance with SSE was in dispute. There were numerous conversations with SSE following their request to increase the amount being paid by Direct Debit from around £xx per month to around £xx per month. The increase was queried with them and circumstances with relation to my disabled daughter discussed at length. I was reassured at the time that the issue with the billing was being sorted out and I continued to make the normal payments.

I moved from the property in xxxx and informed SSE of my new address in a telephone call on or around xxxxxxx. Despite this I have not heard from SSE since xxxxxxxxxxx and your letter is the first notification I have had that SSE considered there to be any outstanding invoice at all.

Therefore I have today contacted SSE directly and requested copies of all the information relating to the account to be sent to me.

Once I have that I will be able to consider my position and check the basis of their claim and at that point would be able to get in contact with you to resolve the issue and make arrangements to settle the account. If you could put the account on hold for a period of 3 months to allow SSE time to provide all of the required information, and for myself to consider their response, it would be appreciated.

Yours sincerely

xxxxxxxxxx

--------------------------------------------------------------------------
---------------------------------------------------------------------------

To SSE...
------------------------------------------------------------------------------

Dear SSE

Reference: Account xxxxxxxxxx
Account original address: xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

I was suprised to receive a letter today from a debt collection company called LCS regarding collection of an amount allegedly owed on an outstanding invoice.

I have not heard from yourselves since xxxxxxx. I am not aware of any outstanding debt with you, and you were provided with my current address at the time I moved house in xxxxxxx.

Prior to my moving house I had been in dispute with SSE regarding a request to increase the amount being paid by Direct Debit from around £xx per month to around £xx per month. The increase was queried with you and circumstances with relation to my disabled daughter discussed at length, and I was reassured that the matter would be dealt with and I continued to make the normal monthly payments.

I have asked LCS to place the account on hold while I make enquiries of you so I can make some sense of the situation and of the alleged outstanding invoice of almost £2000.

To this end if you could please send me copys of all documents held, including call records, screen notes, letters, invoices and a full breakdown of the billing that has led to the amount alleged to be outstanding, it would be appreciated so I may assess my position and consider whether a formal complaint is necessary.

If you require me to formally request this information under the Data Protection Act/GDPR please let me know by return of post.

Yours sincerely


xxxxx

--------------------------------------------------------------------------------------------------

[Blossom71]

I know ln I'm just being a big numpty! , it just feels a bit like being hit with one spanner after another this week! (I've had a rough week in all aspects) ...

I'll get those sent by signed for on Monday and buy a new folder to keep all the new correspondence in!

Don't think I'd be coping with it all without your help! Thank you x

[Blossom71]

Letters done but not posted as (and I couldn't make it up!) As we were all getting ready to leave to do school run then town and post office, disabled daughter slips down 4 stairs ffrom top to middle, screams, crys .. then passes out for 8 minutes! Ambulance to hospital and god knows how we'll cope because it's her 'good leg' ... she already can't weight bear easily on her right side! Poor kid is meant to start day 1, year 1 of uni tomorrow and it's all gone down the shitter ...

[Amethyst]

Oh goodness, scary for you and gutting for her with Uni - when do tutorials start ? Don't think my daughters actual lessons start till next week this week is 'freshers' ( well, re-freshers as she's second yr ) so hopefully she won't be missing too much course wise this week xxx

[Blossom71]

No she skipped Freshers (she's not a drinker or a party type), her first day was today so she's a bit fed up but, what can you do!

letters are posted signed for this morning... so to wait and see!

Thanks again

[Amethyst]

Hope she feels better soon and gets to Uni next week, she shouldn't miss out on too much the first week xx

Let me know soon as you hear anything back We may need to start getting your set aside application soon for the Lowell debt if you don't hear back from them by the end of the week. Think you posted that one on the 20th so they should have got it 21st and you gave them 7 days... so if nothing by Monday we should put the application and Ex160 for fee remission together and get it in to the court.

[Blossom71]

Reply from Lowells ... not very helpful.
no Idea how Shop direct got the debt to 1600+ as pretty sure the fridge was all I bought and that was 200-300.

[MIKE770]

SAR Shop direct have you?
Subject Access Request Letter

[Blossom71]

Yes but not heard back yet