I have been having problems with them.

They are trying to collect a debt from me which doesnt exist

they have now passed the debt to a debt collection agency called lowell group

who are extremely rude they even laughed at me on the phone when i told them debt was paid off 2 years ago!!!!

I have been informed by others that direct debits were cancelled by Newday ltd

and they forcing the blame on to customers which is a fraudulent act.

I have written to the FCA and Ombudsman service and am awaiting a reply.

Both newday and lowell refuse to investigate my claims that the debt was paid off

and insist on trying to collect £70 for a debt that was only £5 to begin with.

never received any warnings or notices about the final payment not being received,

was never told it was being passed to a debt collection agency either.

They are a huge headache!!!

anyone else having problems?

Hi kelly

Welcome to CAG

The guys will advise as soon as they are available.

Thread created.

I can't advise sorry but the experts will be along to soon I'm sure but in terms of "anyone else having problems" I think pretty much everybody who has ever dealt with them

Can you give some background on this alleged debt please? Lowell will chase whatever the numbers on their spreadsheet says, until there is conclusive proof that the amount is wrong. And even then theyll likely still chase you.

You just need to send Lowells a letter asking them to prove that a debt exists.

Template letter link here http://www.consumeractiongroup.co.uk/forum/showthread.php?387363-You-know-nothing-of-the-Debt-Prove-It-%28Updated-21.04.2014%29

I bought some products on finance from Comet in February 2010 with an agreed repayment of £5 per month.

In Novemeber 2011 I was contacted by Moorcroft group saying that the final payment of £5 was not collected

and that the debt was sold to them.

This last payment was not collected because the Direct Debit was cancelled without my consent when Comet closed.

I did not even notice, since I was never notified. Otherwise, I would have just paid the £5.

The interest on the debt amounted to £77.

I paid Moorcroft £17 and we spoke about my finances.

They agreed that the rest of the debt was unjust and advised me that they would clear the debt.

I was even concerned about fraudulent behaviour regarding this debt, but I left it at that.

I just wanted to get it over with.

I never received any demands from Comet regarding the overdue payments;

it seems like the purpose of the debt was to accrue interests

- not to be collected.

After this was settled with MoorCroft, I did not hear about this for years.

In mid 2014, I received a letter from NewDay LTD demanding a payment of £70 for this debt.

I called them and explained to them what had happened.

At this point, I became suspicious that NewDay might have purchased the debt and had been the company who wanted to accrue the interests.

They did not care about the incident with the Direct Debit cancellation

- they just wanted to collect a ridiculous amount of interest and ignore that this debt had been settled by MoorCroft.

They did not pay any attention to my complaint, and just passed the debt to a debt collection service (without notifying me!).

Later, on October 2014,

I was contacted by Lowell Group asking for the £70,

I called them and explained the situation!

They told me they bought the debt in June 2014, and that despite the debt being settled with MoorCroft, that didn't matter.

They argued debts are given to many collection companies.

They were rude and mocked me on the phone.

In email correspondence with Lowell Group, I have asked repeatedly that they contact Moorcroft.

They have refused, without reason.

They keep telling me Newday LTD has no record of Moorcroft.

I have a bank statement with the payment of £17 to Moorcroft and have informed Lowell about this.

They refuse to listen.

They continuously put the burden of proof on me, and refuse to investigate.

Even, when I am explicitly stating who they can call.

I have sent a complaint to the FCA, and notified Lowell about my proceedings to contest this outrageous debt.

Hope that helps you understand a little more.

your big mistake here is talking to these fleecers on the phone.

they are DCA's

they ARE NOT BAILIFFS AND HAVE

NO SUCH LEGAL POWERS.

it obvious from the onset that your were taken for a fool.

and because you fell for the threats

that they will never put into writing

they pocketed the money

and sold the debt on.

now, because of that, you got put on the mugs list - you fell for it once

you might fall for it again....

lo and behold, you do by ringing these people.

pers I'd stay off the phone TOTALLY now

never ever ever discuss debts on the phone.

pop along to Noddle credit ref site listed below

go check your credit file

and I bet this debt does not even show........

dx

Have to agree, by communicating with them you're simply encouraging them.

Check your credit file first, then ignore them.

Lodge the usual formal complaints about this sorry outfit to the FCA and TS.

Shouldn't the debt has dissapeared when Comet went bust?

Or should it have been the Administrators contacting the OP?

nope neither

dx

I would have expected that there should have been a notice of assignment from anyone hoping to collect