Thread: Lowell portfolio and barclaycard

In this case I would send a simple "prove it" letter.
The onus is on RED debt to prove that the debt is valid and owing.

It seem RED/Lowells have recently "purchased" a whole raft of extremely old debts.

Dear Sir/Madam

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the Office of Fair Trading debt collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I/we look forward to your reply.

Yours faithfully

As and when they respond keep us updated and we'll help.

DON'T use your normal signature, if you sign it at all.
Better to be safe

Thanks for update, Homerref.

Your thread's here in BC forum now - probably it was in Debt forum before? May have been moved in big Debt Forum reschuffle a few weeks back.

No worries - if they start to hassle you again, shout and we'll help.