Hi there

After successfully challenging and fixing my own debts

I am looking to help a friend of mine who has been constantly harassed by Lowell and now Fredrickson international for a catalogue debt,

I just wanted to ask a few questions and hopefully get some guidance.

The story is My friend moved home and

after a 6 months he started receiving debt letters from Lowell saying he owed x amount to kays/shop direct,

he has never had an account with either of these and suspects someone somehow opened a account with them using details left behind

in letter form at his old address or something similar.

He has contacted lowell a few times he has told them and has sent proof that at the time the account was set up he was no longer at that address,

this doesn't seem to have stopped them chasing him

and he like so many others buried his head in the sand and hoped they would give up.

They have now passed on his details to Fredrickson who I know are part of lowell and are just as bad

and will probably attempt at some point getting a ccj,

the recent letters state courts and bailiffs and have added fees etc.

I've seen these letters a thousand times and I know they're usually computer generated threatograms but my friend wants this resolved.

.. and well I kinda get a kick out of putting lowell and its like to bed.

I just wanted to know first off would a catalogue debt need a Credit agreement to have been signed etc?

my first port of call would be to CCA lowell/fredrickson and see what they come up with it could be as easy as that.

hopefully someone can shed a little light id much appreciate it.

Thanks

L

his first port of call is to contact actionfraud.

I hope they've checked their credit file?

and that nothing else has been taken out in their name too?

dx

Hi dx

Good to hear from you again.

He has checked his file thats all fine nothing showing up that he isn't aware of.

L

then why are lowlife chasing him?

if the debt is in his name

then how come lowlife are chasing him?

somethings not right here.

As DX says above, your firend needs to call Action Fraud on 0300 123 2040 or online at http://www.actionfraud.police.uk/

Your friend needs to then send Lowell & Fredrickson's a letter informing them of fraud and also enclosing the Crime reference Number.

Stigman

Or instead of jumping the gun right now, simply send the prove it letter. See what actual proof lowells have in regards to dates etc. Then you can simply look through your paperwork and see if you have a bill or council tax form that shows you werent there at the time.

Hi

He hardly speaks a word of english hence why I am helping him.

I know he should have dealt with this earlier on in the process but he had no idea what the letters were until he spoke to me.

The letters go back to july 2013 is it not easier just to CCA lowells and ask them to prove the debt is his rather than us having to prove its not?

Thanks

L

Or instead of jumping the gun right now, simply send the prove it letter. See what actual proof lowells have in regards to dates etc. Then you can simply look through your paperwork and see if you have a bill or council tax form that shows you weren't there at the time.

He said he has already sent lowell a copy of his tenancy agreement stating he wasn't living at the property.

They've just passed on his debt to fredrickson, and now I am trying to fix it

if the new house owner used his details and his name to open credit

then when they chased, claimed he had moved

and lowlife traced him...that's fraud!!

needs reporting.

cant understand why its not on CRA file though.

dx

freddies are lowlife as you say

if he genuinely never took out any catalogue accounts

then what else have they poss done in his name

how long ago did he move out

dx

So he has proof he wasnt there at the time the debts were taken out. Time to tell lowells, throw the debt into deep dispute and get actionfraud involved. Once lowells have the crime number, they would be VERY stupid to continue communication and harass you. They should only be talking to actionfraud and giving you updates.

Hey

He moved out in 2011 and he thinks the original letters from lowell started arriving in 2012 stating that the account was started in 2012.

He hasn't really kept much of the paperwork so its making it tricky for me to create a timeline, I have been given paperwork from lowells today dating back to july 2013.

Hi

 

He hardly speaks a word of english hence why I am helping him.

 

I know he should have dealt with this earlier on in the process but he had no idea what the letters were until he spoke to me.

 

The letters go back to july 2013 is it not easier just to CCA lowells and ask them to prove the debt is his rather than us having to prove its not?

 

Thanks

L

no it needs to be reported as fraud.

if his English is not that good

it might be an idea to make sure his old address shows on his cra file

and all his 'known' accounts are showing

sometimes people do not realise when they purchase something

esp if English is not their first language what they are actually doing

Follow the info above leepearl. get actionfraud involved, get the crime number, send it to lowells in a letter of complaint and that should be it.

Ill look into the actionfraud side of things for him and Ill also see if he has recently viewed his credit file hes in a right state so probably easier if i look at it with him.

For now though is there any value in asking lowell for a cca that may just shut them up right?

IMHO no!

that in certain instances could be seen as a sort of ack of the debt.

he is disputing the debt is his

because of suspected fraud.

get the fraud aspect in or out the window

dx

Ok ill make sure the actionfraud is taken care of first, hopefully its not too late to report it.

just explain to actionfraud that English & its laws are not their strong point.

dx

Spoke to actionfraud very helpful, have just got off the phone to lowell/fredrickson they have the ref number now and have no idea what happens next usless.

Why an earth would you have to send a copy of the tenancy agreement. Thats one step too far unless of course your friend did it off their own back,

DX is right, contacting Actionfraud is the best thing to do .

Spoke to actionfraud very helpful, have just got off the phone to lowell/fredrickson they have the ref number now and have no idea what happens next usless.

I was on the phone to them today for over an hour asking them questions to test their knowledge about debts etc... They have no idea... AT ALL!/

Stay off the phone to them now and keep on at them in letters too... Its the only way. IF need be contact customer service to chase them via email [email protected]

The guy I spoke to at Lowell had no idea what action fraud was or what happens next. He had no info about the account at all.

Lowell/frederickson are an absolute joke. I've known this for years but it never fails to amaze me.

The guy I spoke to at Lowell had no idea what action fraud was or what happens next. He had no info about the account at all.

Lowell/frederickson are an absolute joke.

Best to keep off of the telephone and keep everything in writing.

Phone monkeys do not care about you and only a commission payment, the guy you spoke to may have logged it on their system but it would be dangerous to take their word for it, Write to them and keep a copy for yourself including proof of posting which is free over a Post Office counter.

Stigman