Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder essjayem Novitiate

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    Default ScotCall Doorstep Collection Notice

    Hi,

    I'm new to this forum so I apologise if this is covered elsewhere.

    A month or so ago i applied for credit to get a wireless dongle but was refused. This seemed strange to me as I have always had good credit. I got an online credit report and it stated i had a default put against me by Lowell Portfolio I (I think this is the exact name). Having no knowledge whatsoever about the debt and having received no requests for payment i wasn't sure what to do.

    I received a letter dated 25th August from ScotCall, with exactly the same balance on it with the Creditor being 3G mobile, requesting full repayment or field representatives will arrange a doorstep call.

    I'm thinking I need to send Letter N from the Creditors and DCAs Letter templateicon to ScotCall but am unsure with what course of action to take with regards Lowell having had no knowledge of them until seeing my credit report.

    Thanks for any replies.
    Jo


  2. #2
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    Default Re: ScotCall Doorstep Collection Notice

    If the debt is for a mobile phone then its not covered by a CCA unfortunately.

    There is a letter for adoorstep visit here http://www.consumerforums.com/resour...doorstep-visit-

    Hope that helps

    saint

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  3. #3
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    Default Re: ScotCall Doorstep Collection Notice

    is there a name for someone who collects doorsteps,and where do they keep them all?


  4. #4
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    Default Re: ScotCall Doorstep Collection Notice

    Quote Originally Posted by lickthewallfatboy View Post
    is there a name for someone who collects doorsteps,and where do they keep them all?
    There sure is, but unfortunately it cannot be typed on here

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    The only person entitled to your Personal Finance details is a Judge not a DCA

    Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

    Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.
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    Default Re: ScotCall Doorstep Collection Notice

    did you ever have a 3g account

    famiiliar anybody

    lowell and the phantom 3g account


  6. #6
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    Default Re: ScotCall Doorstep Collection Notice

    Quote Originally Posted by harrassed senior View Post
    There sure is, but unfortunately it cannot be typed on here



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    Default Re: ScotCall Doorstep Collection Notice

    You could also send them the 'prove it' letter
    Dear Sir/Madam

    Account no:

    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



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  8. #8
    Basic Account Holder essjayem Novitiate

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    Default Re: ScotCall Doorstep Collection Notice

    Thank you for the quick replies.

    I can definitely think of a name for people who collect doorsteps but my name is definitely not printable here.

    I will send off a copy of the prove it letter and hopefully that will raise some answers for me.

    One of my main concerns is that Lowell and ScotCall are both linked to this same supposed debt.


  9. #9
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    Default Re: ScotCall Doorstep Collection Notice

    Scotcall are doorstep collectionicon Agents for a lot of DCAs. Lowells aka the Leeds Loser used to prtend they had Licenced Field Agent who would call with you but these proved to be a figment of their imagination. Dont worry Scotcall aka Snotcall have no Legal Powers whatsoever and should they appear just norder them to leave. If they refuse telephone the Old Bill and rport a breach of the peace. Its that simple.



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