I don't think she is registered bankrupt. DRO, I will have to ask. However, Lowell are well known for buying out debt from other companies, which makes me think a debt could be chased. Especially if EE (other mobile phone companies are available) are happy to sell on debt on accounts. Selling on account/debt details without consent is a big No-No in my eyes, surely it breaks GDPR rules...?

She uses Clear Score and there is no "discharge: undefined" just "discharged", so what does that mean? That sounds to me, like the CCJ is not active but she owes Lowell? I assume she has had no contact from them at this point. Surely you are not hinting that she should do nothing?

I would be able to get RGI if the tenant is DSS. It's the CCJ that insurer's taking issue with, which is fair enough if it is outstanding. TBH I have never used RGI before, I have read some insurers are good and some try to weasel of payment. I have had bad tenants before and really want some peace of mind, this time around. Thanks for the information. I am keen to help the tenant irrespective of whether I end up renting to her or not. I think she does deserve a break and some help. What should the tenant do next? Is it worth contacting EE or Lowell or CAB about the CCJ? How would she fight the backdoor CCJ and be able to set the aside the decision if Lowell are the debt owner? Can she challenge EE/Lowell over selling her debt (one of debts falls after GDPR came into effect)?

I asked the tenant to find out more about the CCJs and she rang the relevant court (County Court Business Centre in Northampton). They told her that both debts had been bought by Lowell. Both original debts were with EE. So I guess it was bought before the month expired. The tenant was clearly not aware of it being sold on to Lowell. If Lowell or EE haven't contacted her after the CCJ, have Lowell/EE breaching any GDPR regulations by not informing her that CCJ (and personal details) have been transferred/bought without her consent. What are her rights here? In the meantime, should she try to contact Lowell to attempt to pay off her debt? What actions do you recommend? Thanks in advance.

Hi there, I am a landlord and would like to rent out my property. And then we have found a potential tenant through OpenRent, great! However, the tenant, she is very upfront with us and honest, she had 2 CCJ records marked as "discharge". As a results, it is very high chances the referencing will come back as fail because of the CCJ records that hold against her back in 2016 and 2018. She is a single mum with 2 kids and is a DSS tenant. We have interviewed the tenant, she is genuine and honest person, a good single mum that work hard to feed the kids. She has been renting the current place for 8 years, due to the landlord wants to sell the property she has no choice but to look for another place to rent. Now the dilemma is, as a landlord, I have make so many phone call to look for a the insurance company that accept her case, hasnt got any luck! May i know anyone has any ideas or came across this before? Advice will be greatly appreciated. Also, some of the RGI company has taken this product offline because of Corona Virus outbreak. Thanks in advance whoever will be able to advise. Thanks, Orch

To clarify, they have no details of the previous tenant or may chosen not to disclose that information. I can assume only they never registered with shell. (I was using a full managed service with a letting agency)

from MIL DCA

That's ok, the January 8th letter was the first demand addressed to my name from MIL DCA.

I received a zipped archive of communications, emails, calls, notes around the account of the previous tenant from Shell Energy. The most interesting part to focus on is the notes on the account that Shell Energy/MIL Collections are trying to retrieve. According to their records, the case has been closed for MIL Agency (presumably when I have phoned twice to ask why I kept getting letters as "Owner Occupier") and then reopened (exported) back to MIL Agency. Shell Energy supplied me the files they received with regards to the tenant and the tenancy agreement. However, there are no notes to say that were going to apply account to me or even the previous tenant. Also there are a number of calls missing from the archive making enquiries about the "Owner Occupier" letters from MIL collections. I have been given a customer care resolution email address, which I am planning to email with regards to at least get them to apply the previous tenant's name to the account and ask not to attempt to charge me and the property. There is also the issue that Shell Energy of sending my details without contacting me. Shell Energy claim they have sent email/letter/SMS according to their notes, for which I have received nothing in my email account relating to that account, no letters addressed to me nor the one SMS message they claim they sent. As I said before the only communication regarding the account was from MIL collections on January 8th. Shell Energy told me I could safely ignore the "Owner Occupier" letters. How should I proceed with regards to GDPR here? Are they breaking any rules here?

Thank you for the advice. I had already sent an email to both Shell Energy (Utility) and MIL Collections (DCA) to complain that the name on the account is incorrect and should be under the tenant's name. I decided not to phone Shell Energy and just sent SAR to both Shell Energy and MIL Collections (both by email and post). Is there anything else more I can do?

Hi, thank you for looking at my post first of all. I will need some advice regarding the outstanding energy bill left behind by my tenant. First of all, I am a landlord and evicted the tenant September 2019. Tenant moved out on September and subsequently, I (Landlord) have found out that the energy bill has been sent to my property addressing different name (not the tenant name). After multiple phone calls to resolve it, it was found that the tenant has not been paying the energy bill for the entire year and register to the energy company using another person's name, (i.e. not the tenant name on the contract I had rented to). I as Landlord has made all the important phone call to the Shell Energy company to ensure to report the tenant has moved out and provided the tenancy contract as part of the evidence to support. However, after 3 months later, I as the landlord has received a letter from the MIL debt collector on behalf of Shell Energy for collecting the outstanding debt that cost £902 left behind by the previous tenant despite all the phones call and emails have been sent to Shell Energy in last 3 months. But all of a sudden Shell Energy has appointed the MIL debt collector without speaking to me and the most disgusting issue is, the Shell Energy has passed my personal information such as address and name to the MIL debt collector in which, I had not owed Shell Energy any outstanding amount. We will be going to get hold of the customer service and speak to them next week to ensure such issue to be resolved, however I would like to find out, is that legal for Shell Energy to pass my personal information to debt collector without my consent or without having conversation with me to ensure this is genuinely a mistake by Shell Energy because the current utility bill has been re-assigned under the my name since the tenant has moved out. Also, from now onward, MIL debt collector will have a record of mine which I don't happy at all because I will need to ensure the debt collector does not store any of my personal information in their database as I did not owe any of the outstanding amount but the previous tenant which should take care of the utility bill. Can someone please advice how can put some bold words (in term of GDPR) if indeed, it is illegal for Shell Energy to disclose my personal information and to ensure they will not repeat such mistake or appointing the MIL debtor to repeatedly sending harassment letter to my property please? Thanks, Orchard

Hi dx100uk, thanks for your reply, appreciate but out of no choices and Vodafone is trying to push the ball to DCA by saying they couldn't contact DCA to delete my records but do it myself. But DCA said that they couldn't delete it but they will archive the information which was not suppose to be with them in the first place. If Vodafone did their job right, I wouldnt need to contact DCA in the first place as that cost me time and money to phone them too. I have stopped contacting DCA but how would I know Vodafone has instructed DCA to delete the records in the first place, which was started with their poor systems fault. thanks,

Thanks dondada. To me, I am more concern about DCA has my personal information (full name, address, date of birth etc). Vodafone has been actively phoning me and told me they could not contact DCA to delete my records, because they said they couldn't do it. I told them do not to close the case until they have my personal information have been deleted. Yes i am now just waiting for the 25th May to arrive and then send them the SAR as advise. Vodafone also claimed that they have pulled my account back from the Collection Agency it was assigned to and this was completed on 25 April 2018, which is a lies as DCA still hold my information in their systems (that can be verified by a quick phone call to DCA to confirm that with the references number). Also the way how DCA responded, they will archive the record which DCA shouldn't store in the first place, as they do not need it, or the fact that my personal information shouldn't be there at the first place. DCA also said that they do not disclosed customer information to anyone, but I wouldn't know that, when asking for deleting the personal information, they indicated that they will not share customer information to another company or public, instead said that customer information can be disclosed via another source such as utility bills company or registration with other parties, which was not very nice of DCA when they said so. I just want my personal information to be deleted from DCA and then subsequently with Vodafone because I don't think I will be their return customer in my life time. Thanks,

Hi Bazooka Boo, Thanks for your reply and appreciate. Does that meant that I have no way to get DCA to delete my personal information that they are holding of me even though I don't think they will need it and it shouldnt be with them at the first place? I have check my credit rating with MoneySavingExpert.com Credit Club, did not see any credit files listed as DCA or Vodafone, I believed Vodafone has contacted DCA to close the case as I do not have any outstanding with Vodafone. I have no choices but force to phone to DCA because Vodafone will not help me to resolve whatever mess they have started in the first place. thanks, Hi BankFodder, Thank you for your information and it is very helpful and appreciate your prompt responses. I will keep my eye close to the date 25th of May of new version of GDPR and send them the SAR. The cancellation of my contract with Vodafone shouldn't be happened in the first place if they served their customer right, because of their systems are so poorly designed and took about 1 month to create my profile, hence the cancellation of the contract within the 30 days period and all the nightmare has began. thanks,

Hi there, I would like to get some advises regarding Vodafone had shared my personal information regarding (full name, address, DOB, email address) Undeniable, once a contract has been formed in between Vodafone, if without monthly payment, Vodafone will pass the information and shared with Debt Collection Agency because Vodafone appointed DCA to collect the debt on behalf. Vodafone claimed that, that clause was in the contract. (Thats what I have been told by Vodafone after the incident.) However, I do not owe Vodafone any money nor any outstanding amount, however, my account was closed yet Vodafone did not do a proper job to close my account, leaving my records in their systems as debit situation hence passing my information to DCA without me knowing it at the first place. A few months later, I got 2 letters, 2 emails from DCA (generic name Jayne Carter) asking for payment as I owed Vodafone, out of the blue, I have no ideas because during the time I had left Vodafone, I have ensure no outstanding payment, which I got a text message from the Customer Service department to confirm that (still have the text message as evidence). I went to Vodafone, they never admit it was their systems fault due to the system automatically flagged up as outstanding and and accidentally passed my personal information to DCA. During the months, no letters from Vodafone or emails to stated that I am owing them money, but directly passed my information to DCA. Numerous phone calls and complaints lodged, Vodafone finally contacted DCA to close my case and no outstanding amount. However, my concern is, Vodafone told me, they couldn't ask DCA to delete my personal information which they had passed to them in the first place because of their mistakes. I have phoned to DCA, they said the same thing and they will archive the record but could not delete my personal information even though they will not need it anymore (from my view, no reasons they will withhold my personal information). Could anyone please advice? is it worth for me to send the SAR to DCA to ask for the information they are holding? thanks for your advises and very much appreciate. Regards,