So Mrs CYOA forgot to cancel some direct debits when she moved into this current house. About 150 quid a month across BT and Three. Since 2012... Is there any way of reclaiming anything? My understanding is no service was going to the house - i.e. contract was finished and agreed canceled by providers but for whatever reason the DD continued.
Secondly she's had a letter through the post chasing some alleged debt (about 1500 quid in utilities) from a flat she lived in in 2011. She claims she and her former housemate paid via PayPoint in instalments during 2012/13. Obviously she doesn't have receipts. A google of LCS suggests they're little more than con artists but as we're trying to nail down new mortgage terms in Jan and both self employed I don't want to fuck around. But equally I don't want to go fork out 1500 quid and encourage some debt firm that it's appropriate to do what they do for a living.
Talk to your bank. If their was no service and the direct debits were being taken in error your bank will refund you and it is then up to them to chase the utilities company for the money. This is part of the direct debit guarantee.
So Mrs CYOA forgot to cancel some direct debits when she moved into this current house. About 150 quid a month across BT and Three. Since 2012... Is there any way of reclaiming anything? My understanding is no service was going to the house - i.e. contract was finished and agreed canceled by providers but for whatever reason the DD continued.
Secondly she's had a letter through the post chasing some alleged debt (about 1500 quid in utilities) from a flat she lived in in 2011. She claims she and her former housemate paid via PayPoint in instalments during 2012/13. Obviously she doesn't have receipts. A google of LCS suggests they're little more than con artists but as we're trying to nail down new mortgage terms in Jan and both self employed I don't want to fuck around. But equally I don't want to go fork out 1500 quid and encourage some debt firm that it's appropriate to do what they do for a living.