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Hello you lovely people.
(Hopefully, this is posted in the correct place.)
Gotta say, it's a huge relief that this forum exists, especially for me with such dire physical and mental health issues, it certainly provides a bit of comfort knowing that there are people that have your back.
I received a Letter of Claim from bwlegal regarding their client PRAC Financial who is apparently chasing an energy supplier debt.
Due to my current situation, I almost missed it and just discovered the deadline to respond is today so I am freaking out and just trying to read as many forum posts and newbie information as possible.
I have no recollection of ever using their services and have searched all my email addresses and can not find any trace of me ever contacting them the energy supplier, PRAC or bwlegal. Although, I have dozens of email addresses and some older ones I'm unable to search.
Two things from the Letter of Claim immediately jump out at me. Firstly, whilst the supply address is on my credit file, I have never lived there as only worked in the same building for a very short period.
Secondly, they state that the 'agreement' was from way back in 2014 and was passed onto their client PRAC near the beginning of last year. Worth noting, I did move home around the same time of year but that was a year later in 2015 and then the only other move near that time was a couple of years before that into a shared flat (with a very dodgy landlord's agent who was extradited.)
I initially was going to contact them stating I have never lived at that address and requesting a copy of the contract, etc. but remembered energy debts become 'statute barred' after 6 years without payment or acknowledgement. What concerns me with this is the potential it was a joint account with an ex-housemate I have no way of contacting or knowing if they have made any payments in the last 6 years. This is unlikely due to bills being paid in cash to that dodgy landlord's agent at the time of this 'agreement' in 'debt.' Unless the Letter of Claim has the date about a year out?
Apologise for the long one but I really don't know what to do. This has sent me back into some very dark thoughts so thank you so much if you can spare a few seconds to provide any pointers.
Really appreciated.
(Hopefully, this is posted in the correct place.)
Gotta say, it's a huge relief that this forum exists, especially for me with such dire physical and mental health issues, it certainly provides a bit of comfort knowing that there are people that have your back.
I received a Letter of Claim from bwlegal regarding their client PRAC Financial who is apparently chasing an energy supplier debt.
Due to my current situation, I almost missed it and just discovered the deadline to respond is today so I am freaking out and just trying to read as many forum posts and newbie information as possible.
I have no recollection of ever using their services and have searched all my email addresses and can not find any trace of me ever contacting them the energy supplier, PRAC or bwlegal. Although, I have dozens of email addresses and some older ones I'm unable to search.
Two things from the Letter of Claim immediately jump out at me. Firstly, whilst the supply address is on my credit file, I have never lived there as only worked in the same building for a very short period.
Secondly, they state that the 'agreement' was from way back in 2014 and was passed onto their client PRAC near the beginning of last year. Worth noting, I did move home around the same time of year but that was a year later in 2015 and then the only other move near that time was a couple of years before that into a shared flat (with a very dodgy landlord's agent who was extradited.)
I initially was going to contact them stating I have never lived at that address and requesting a copy of the contract, etc. but remembered energy debts become 'statute barred' after 6 years without payment or acknowledgement. What concerns me with this is the potential it was a joint account with an ex-housemate I have no way of contacting or knowing if they have made any payments in the last 6 years. This is unlikely due to bills being paid in cash to that dodgy landlord's agent at the time of this 'agreement' in 'debt.' Unless the Letter of Claim has the date about a year out?
Apologise for the long one but I really don't know what to do. This has sent me back into some very dark thoughts so thank you so much if you can spare a few seconds to provide any pointers.
Really appreciated.
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