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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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ScotCall Doorstep Collection Notice


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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 template 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

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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/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

 

Hope that helps

 

saint

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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

 

 

 

(Your Name) Print do not sign

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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.

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Scotcall are Doorstep Collection 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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