Summary
In the UK, once a debt is sold to a collection agency, the original creditor typically loses the right to collect on it. If Octopus Energy is attempting to collect after selling the debt, it may not be lawful. Its crucial to keep all communication records and ensure the ombudsman has all necessary documents. If Octopus Energy cannot provide a signed contract, it may indicate they lack proof of your liability. Mentioning a remedy in their communication could imply acknowledgment of an issue. The ombudsman should thoroughly review the case, especially with multiple breaches. Consider consulting Citizens Advice for further support and check if debt collection practices violate the Consumer Credit Act 1974.Full Conversation
Call me B
Hey B! Feel free to ask me anything about your legal issue, and I'll do my best to provide helpful information. What's on your mind today?
Currently I’m fighting against octopus energy, the fact they can’t produce any signed contract by me, passed my alleged account to a debt recovery team who I sent a letter asking them to validate their claim, they went silent and never replied. Octopus then restarted terror claim still without proving and providing the documents asked for, and continue to demand the entire amount even after selling it on. So it’s with the ombudsman currently.
Hey B! It sounds like you're dealing with a challenging situation. Since it's with the ombudsman, they should review the issue thoroughly. You might want to:
- Keep all records of communication with Octopus Energy and the debt recovery team.
- Ensure the ombudsman has all necessary documents from your side.
- Consider seeking advice from Citizens Advice for further support.
Is there anything specific you'd like more information on?
If the company sells the alleged debt, then tries to collect again after the debt company was challenged and fell silent, are they allowed to do this
Hey B! In the UK, once a debt is sold to a collection agency, the original creditor typically loses the right to collect on it. If Octopus Energy is trying to collect after selling the debt, it may not be lawful. Consider discussing this with the Financial Ombudsman for further clarity.
They’ve also presumed I’ll on a contract but can’t prove this, as I’ve challenged them about it all while an alleged debt has occurred. All I’m asking for is the signed contract with full discourse transparency and they’ve ignored it, which signals they don’t have it but are continuing to Bill me assuming I’m the liable party without proof
Case Rating: *
In such situations, it is crucial to:
- Continue documenting all communications.
- Ensure the ombudsman has all the relevant information.
- Check if the debt collection practices violate the Consumer Credit Act *.
Would you like more specific guidance on any aspect of this issue?
If in a letter octopus mentioned remedy, would this suggest they know they’re in the wrong
Case Rating: *
Hey B! Mentioning a "remedy" in a letter may imply acknowledgment of a potential issue, but it's not definitive proof they believe they're wrong. It's essential to consider the context and details of the communication. Would you like more advice on handling this situation?
This is complex, with multiple breaches. If this is with the ombudsman, will he delve into it thoroughly
Case Rating: *
Hey B! The ombudsman generally examines cases thoroughly, especially when multiple breaches are involved. It's important to provide comprehensive documentation and clear arguments. You might also consider consulting Citizens Advice for additional support. If you have any other questions about the process, feel free to ask!
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