EOS Solutions trace letter - Help!!

[core4444]

Hi folks

 

New to the site, this being my first post

 

I have received what looks to be a "trace letter" of sorts from a company called EOS Solutions. The letter claims they are attempting to contact me regarding a "personal matter" after carrying out trace activity provided by the credit bureaus.

 

I do have a few debts, a failed business venture saw to that, so it could very well be a legitimate claim. My concern is that I have never heard of these people before and nowhere in the letter does it say who they are chasing for. I do have 3 repayment plans in place but none of them are with this company.

 

Can anyone recommend a course of action or provide guidance/advice?

 

I appreciate your time and any advice you good people can provide

Thank you.

[dx100uk]

typically EOS chase out of date utility bills

 

 

hope you've sent everyone else you are paying a CCA request?

 

 

list you debts please

 

 

dx

[core4444]

Hi thanks for the quick reply.

 

I've got 3 main debts:

Halifax personal credit card £3000 - repayment arrangement

LloydsTSB business overdraft £6500 - repayment arrangement

LloydsTSB personal credit card £3500 - repayment arrangement

 

When my business venture went south I relied heavily on my overdraft and personal credit cards.

 

I have recently moved and

I have a Southern Electric bill of £500+- that I have a repayment arrangement in place with.

 

Looking through my recent emails I have found one from Southern Water saying I owe them £92.96.

I wonder if this might be the account that was handed over?

[dx100uk]

as long as you are only paying the original creditors

then those arrangements are fine.

 

 

even if you do owe SE

deal with them

ignore EOS

 

 

they have no powers.

 

 

dx

[core4444]

Thanks again for the prompt reply dx100uk.

 

You said "as long as you are only paying the original creditors

then those arrangements are fine." - could you elaborate on this further please?

 

The reason I ask is because two of the above arrangements have been made with Wescot credit services, not the banks themselves, as I was informed the account was handed over to them.

[BankFodder]

Also generalised letters concerning Consumer Credit matters are unlawful under the CONC rules - http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers-including-visits

[dx100uk]

Thanks again for the prompt reply dx100uk.

 

You said "as long as you are only paying the original creditors

then those arrangements are fine." - could you elaborate on this further please?

 

 

The reason I ask is because two of the above arrangements have been made with Wescot credit services, not the banks themselves, as I was informed the account was handed over to them.

 

 

 

 

which those please?

 

 

are these debts on your credit file too?

 

 

dx

[core4444]

Just looked at my credit report. Looks like my Halifax account has been handed over to a Marlin financial services, at least that is the name listed on the credit report now.

 

LloydsTSB handed my business account over to Wescot but that isn't shown on my credit report.

[dx100uk]

have marlins been in touch at all?

 

 

are you paying this debt anything

 

 

it might be an idea to start two new threads

in the NAMED BANK FORUM

 

 

of the top Main forum tab left

[core4444]

Marlins have never been in touch. In fact I didn't even know I was paying them until I saw the credit report today.

 

I am currently paying each £25 a month after completing an "in / out" questionnaire they sent me.

 

Thank you for the suggestion about starting two separate threads. I will do that later when I get home.