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  • #16
    Oh and one more question, sorry... if I contact Lowell and make an arrangement to pay monthly, will this appear on my credit file? There is currently nothing regarding Eon or Lowell on there...

    thank you!

    Comment


    • #17
      Originally posted by MrsH View Post
      Oh and one more question, sorry... if I contact Lowell and make an arrangement to pay monthly, will this appear on my credit file? There is currently nothing regarding Eon or Lowell on there...

      No need to say sorry - we like questions

      My suggestion is/was to wait until Lowell write to you again.

      Don't email and don't call them either.

      Di
      Legal Disclaimer

      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

      Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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      • #18
        I have received another letter from them this morning, asking me to contact them to arrange a repayment plan...

        Comment


        • #19
          All part of the process they use before they decide if go ahead of not
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #20
            Originally posted by MrsH View Post
            I have received another letter from them this morning, asking me to contact them to arrange a repayment plan...

            Are Lowells aware of your complaint to the Ombudsman about eon which was upheld?

            Di
            Legal Disclaimer

            I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

            Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

            Comment


            • #21
              I emailed them to tell them that the debt was being investigated by the Ombudsman and to send the debt back to Eon. I received an automated response asking for my details, but I didn’t respond to this.

              i haven’t been in touch with them since so they don’t know about the Ombudsman’s findings...

              Comment


              • #22
                Originally posted by MrsH View Post
                I emailed them to tell them that the debt was being investigated by the Ombudsman and to send the debt back to Eon. I received an automated response asking for my details, but I didn’t respond to this.

                i haven’t been in touch with them since so they don’t know about the Ombudsman’s findings...

                I wouldn’t use email as a way to communicate with a debt purchaser - always put things in writing so you have a paper trail.

                I haven't seen the Ombudsman’s Decision but you say they said the meter readings were correct (or have I misunderstood that?) so it’s hard to suggest what other arguments you may have to reduce the balance that Lowell are pursuing.

                Maybe wait until they write to you again in case eon has been in touch with them following the Ombudsman’s decision.

                If you’d like me to take a look at what the Ombudsman decided you can email it to me using di@joannaconnollysolicitors.co.uk.

                Di
                Legal Disclaimer

                I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

                Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                Comment


                • #23
                  Thanks Di, I will email it across to see what you think.

                  many thanks!

                  mrsH

                  Comment


                  • #24
                    Originally posted by MrsH View Post
                    Thanks Di, I will email it across to see what you think.

                    many thanks!

                    Ive got your email.

                    The Ombudsman doesn’t always get it right first time.

                    I’ll reply tomorrow telling you why I think their view may need to be ‘fact checked’ not based on assumption!

                    Di
                    Legal Disclaimer

                    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

                    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                    Comment


                    • #25
                      Thank you Di!

                      Comment

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