Eon - DCA - Arrangement to Pay - Credit File

[MrsH]

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!

[Joanna Connolly Solicitors]

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

[MrsH]

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

[The Tech Clerk]

All part of the process they use before they decide if go ahead of not

[Joanna Connolly Solicitors]

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

[MrsH]

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...

[Joanna Connolly Solicitors]

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

[MrsH]

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

many thanks!

mrsH

[Joanna Connolly Solicitors]

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

[MrsH]

Thank you Di!

[MrsH]

Afternoon all

Eon sent out a cheque for £75 as per the Ombudsman decision. Unfortunately it was made out to my husband and myself, as we don't have a joint account we were unable to cash it. We sent it back with a covering letter asking them to re-issue in just one of our names (this was early January). I chased it a few times and was told the cheque was re-issued on the 4th March and on its way. Lots of chasing and it still isn't here. I have had an online chat with them and have been told that 'its not getting approved by a specialist team' and can I call a number to discuss with them. I called the number and it is Lowell Group (I hung up without speaking to anyone)!!!! I then continued with my online chat asking why I've been given Lowells number and was told:-

"I can see Lowell has purchased the debt in your account. We've processed the refund in your account but it needs to take some approval from them, this is the reason you need to speak with them".

I told Eon I didn't wish to speak to Lowell and that the £75 was owed to us after an Ombudsman investigation, and that if they've sold the debt to Lowell why are they now sending money owed to us to Lowell. And they replied:-

"As i've checked with the team I can confirm you that Lowell is handling your account. So if we can make any changes in your account they'll need to monitor it from their end. So, for this refund you'll need to contact them".

Is this correct, can they do this??

Many thanks

Mrs H

[Never-In-Doubt]

Not sure if I'm missing the obvious; but if you've had an ombudsman decision and the company hasn't done as told then you go back to the adjudicator at the ombudsman and report back to them. It'll then get applied to the current complaint.

You shouldn't be chasing a company and the DCA. The firm shouldn't have sold it if they knew you were in the middle of an ombudsman dispute.

You should speak to the decision maker who you were dealing with at the ombudsman surely?

Most definitely *do not* go chasing a DCA. Await their correspondence and deal only in writing.

[MrsH]

Thanks for your reply, I’ll take it up with the Ombudsman. Di was going to get in touch after reading the ombudsman report so I will wait and speak with her first and then deal with it all at the same time.

[PlanB]

Di was going to get in touch after reading the ombudsman report so I will wait and speak with her first and then deal with it all at the same time.

Hello, here I am

Niddy is right about it being an Ombudsman issue, and definitely don't call or contact Lowell about it. I'm pleased to see you hung up without speaking to them!

However this situation might work in your favour if there's 'confusion' between the pair of them (i.e. eon and Lowell) about who owes what to whom, if anyone.

Why would eon have made the cheque out to both you and your husband - was the utility account in joint names?

I'll take a look back through your thread and the FOS Decision.

Di

[MrsH]

Hi Di

Yes the utility account was in both of our names but we don’t have a joint bank account.

Thanks for looking into it for me!

mrsH