Thanks for the advice guys.

I sent the letter recorded delivery Saturday, photocopied it and stuck the recorded delivery reciept to it.

I have told in the letter as well that the card was in my possession and not used so either it was a clone card or a fault their end.

I told them im not paying till its sorted out and the charges and amount missing are refunded

Yeah done it Saturday they should get it today, i sent recorded so see what happens. cheers

I have got a letter together like above, and i have not included the WITHOUT PREJUDICE line in it as advised, and i have not signed it.

How long should i wait for a response? I will send it 1st class recorded in the morning. Thanks.

P.S. I have a problem on the Capital one threads if anyone can give advice there. Thanks again

I'm off for the weekend now, i hope someone may be able to help over the next few days.

Also, do you think i should send an S.A.R. as i wouldn't mind going after a refund of charges

Excellent, the more the merrier!

 

Hold fire though until this thread has been seen by a few more peeps to see if there is a consensus of opinion about there being some very serious failings by Lowell. It would be ideal if there are quite a few of us that have had a similar problem with this outfit and then we can air our grievances en masse and hopefully see some action.

 

Maybe take it back to BBC's Watchdog too and see if they can do a more in depth analysis this time and not be fobbed off with a lame apology from the company.

I soon will have something from Lowells. I emailed them the other day to send an NOA from Littlewoods. Will share what they come back with

As Lowell appear to be CAG's latest collective punchbag I thought I would chip in with something.

 

Middle of last year Lowell sent me a stat demand out of the blue, this was dutifully ignored so bang on the 21 day time limit they wrote to me threatening bankruptcy. I sent the ubiquitous CCA. They replied with their usual templates of; we will try and find the CCA, why don't you clear this matter up and we will offer you a 40% discount for doing so, our offer of 40% discounts still stands if you would like to clear this matter up, and oh, we can't find the CCA so we are closing our file.

 

So hypothetical thought is this - had I been stupid enough (and not found CAG) and made arrangements to take up their very generous discount offer I would now be paying them money for absolutely no reason whatsoever as they came up with zero paperwork to back up their threats of bankruptcy. So the question is, have they committed any type of offence such as taking/attemting to take money fraudulently/by deception? How close are they to having committed a criminal offence of some kind? Can I pass this info to any authority to make more trouble for Lowell?

 

As an aside, UK26 is doing an admiral job of keeping their 'pre-litigation department' fully employed at present and I wouldn't particularly want to get involved to the extent that he has been doing but I would cetainly like to be able to hand over my evidence to some official body that actually do something about it and I am hoping it will be someone serious like fraud investigators. I know I can make complaints to FOS, OFT, TS etc but I was hoping to get someone involved with a bit more bite, they all appear to be a bit of a toothless dog at present.

 

The other reason I have brought this up is that I know there are a good many others on here who have had SD's from Lowell and ended up with a closed file so maybe if we can all send our correspondence to someone who is willing to take the fight to Lowell then maybe we can get rid of this particular parasite for good!

 

Any legally minded people think there is a case for Lowell to answer re attempted fraud or some other serious criminal offence?

Just reading what you had written regarding getting lowlife what they deserve.

I used to work at 2 Commercial Debt Recovery companies years ago.

They weren't the likes of Lowells, they chased Debts between Firms.

The first one i worked for was TARVIN COMMERCIAL SERVICES. The M.D. was David McHugh. If you Google the 2 names together, you will see the Police Fraud Squad raided it, and charged Mr McHugh with Fraud, he then set up MILLMAC COMMERCIAL SERVICES. The Police also raided and closed this down too.

His Right hand man, MICHAEL BRUCKNER, opened another firm called WHITBY BIRCH, Google those 2 you will see the Police also Raided them, closed them down and Brought charges of Fraud to him.

Then MAUREEN McHUGH (robbie fowlers mum in law) also got done.

Point is, the Police say they wont get involved and try to pass it off, but with a big Dossier on DCAs should get involved if there is evidence of Fraud. Maybe someone could produce their documents to The Fraud Squad see what thewy say.

And just for a laugh have a look at www.ocprs.co.uk as this is what that shyster DAVID McHUGH is up to now, once a liar always a liar (LOWELLS INCLUDED)

Anyone know what i should do next???

extra banana bonus if they hit the correct threat o gram button;)

 

SAM:pLOWELL DETESTER

I would imagine pressing the right buttons is an achievement in itself, after all, the knuckles would be quite sore, all that dragging across the floor at feeding time

I get paid last day of the month mate, next Friday, ill definately pay what i can, well done

Just a quick post.

Just had a woman from Crap One phoned called CRIS,from the Phillipines, asking for payment, i made it clear that in the same letter as the phone number, was a CCA request and a notice the account is in Dispute, she hung up refusing to deal with the complaint.

I have an ALcapone card, with a £200 limit on it.

I have recently received a statement saying the card is over limit by £34.

I contacted Capital One who stated the following.

On December 16th i withdrew £10 from an account with a balance outstanding of £186. On top of that there was a cash charge of £3 for withdrawling from an ATM.

Firstly, i never used my card at all in December 08, in fact i rightly pointed to a date i last used the card which was Sept 27th 08.

I asked Crap One for a summary of the last 3 months statements as to how my card is over the limit.

In September 08, i paid £20 to my card which took the balance to £174 approx. I used the card for a sum of £17 in a shop.

Then in October 08 i paid another £20 on to the account.

Now when i got a statement for November, they had my account overdrawn by £9 and some pence. I complained and they said a charge had gone on to my account for over limit fees, i complained buit hit an indian brick wall ???????????

On 9th December 08 i paid £30 on the account, and in Jan 09 got a statement saying i was £34 overlimit.

NOW, i stated, after they said i had withdrawn £10 and gone over limit, that i had not taken any money at all, My missus while we were out put the card in by mistake, then cancelled the txn straight away and put the right card in. I explained this, and said there must be a fault or fraudulent txn but they would not even except the complaint, they just wanted me to pay the arrears of £34 then £10 monthly payment.

Since then they phoned my work daily, i got into a lot of crap cos of it, i wrote and told them on the phone to stop ringing, and it carried on.

I have sent a recorded delivery letter to ask them to stop phoning my work, and to ask a member of Management in Fraud to ring me on my Mobile, and also told them, i was disputing the account and i want a copy of a signed credit agreement.

They have stopped calling work.. BUT..keep miss calling my phone up to 6 times a day, i know its them cos the idiots forgot to use a withheld number. No calls from Fraud, nothing. What can i do next?

Any suggestions or should i just wait for an answer by mail. Thanks.

Thanks Again

Just had a strange letter today from scotcall.

 

Its baicly about a barclaycard debt however this card is years old and this is the first letter ive had about this debt in at least 2 years.

It that old i cant even rember when i last had this card.

 

Anyway the letter.

i received a letter from scotcall regarding an internal audit.

Its says

 

Dear 888888

we would like the following info for our audit department

Balance per payment card;

date of last payment;

signature;

 

I have got a clue what this letter is asking. I if there referring to my last payment then i don't know as its years since i did anything regarding this card.

 

anyone have any ideas?

Whatever you do, dont send any letters with a signature on, or any details for that matter. If They have the "debt" they should know all that already

Thanks ODC. I will make sure i amend what i have put.

Do you think i should ask for proof of a CCJ as the collector says it said LEGAL COLLECT which meant it had been in court.

I have absolutely no knowledge on this.

Also i have no reference numbers about the account they have not supplied one.

Thanks for the help guys.

As for the questions above:

No i did not know they were coming, no more contact since i rang and told them i did not owe the money 2 months ago. I will only write from now on.

She was about to post a card when i answered the door. She gave me the card, her name is "jan" and a phone no on it.

I will draft a letter up along the lines of above and also ask about the complaints procedure as well.

Last Night, at 6.25pm a knock at the door, opened it and there was a woman from Robinson Way, who informed me she had come about a British Gas account they had boughtin my name.

The account they are on about is an account in a property i had lived in for 2 months, but the bill was for 5 months after i had moved.

I informed British Gas on numerous occasions it was not my bill but now ROBBER SON WAY have got it.

The woman turned up unnanounced, i had one letter 2 month ago and i told them then it was not my account.

She said they have a CCJ for the amount (she did not say how much was owed) as it had "Legal Collect" on her paperwork, which meant it had been through court.

I told her i am sure it had no CCJ as if i had been summonsed, i would have been informed, and i would have turned up to contest it.

Can anyone help with a letter i can send, to:

A/ Stop doorstep collecting

B/ Challenge the money they are claiming.

Any help would be appreciated. Thanks. neil

If you scroll to the bottom of Debt Collection Industry - The Consumer Forums and click 'new thread' it'll open up a new window for you to post your own;)

Thanks

What annoys me is that they add the interest which then puts you over your imit and then they have the cheek to add overpayment charges! I feel a snot o gram letter coming onto Crap One!

Thats how mine started

My Crapital One card has a £200 limit and was £189 used on it.

The last time i had used it was Sept 08, but apparently the £15 i used then (in the offy lol) took it to 37p over the limit, i paid £20 on the card in Oct 08, and £30 on it in Dec 08.

I got a statement in Jan 09 stating it was over the 200 limit by £34.

I rang asked how they worked it out and they said i used the card for cash when the balance was £189 withdrew £10 and then charges for cash were added, as it went over the limit, they then added O/L fee, as i queried as i had not used the card in Dec 08 at all, they then put a late payment fee on, as i refused to pay till i had spoken to the fraud squad to see if there was a fault or there was fraud. The snotty operator from india would not put me through, just kept asking for payment.

Its now about £260 owing with more charges.

Phoning my work on a daily basis, i got into trouble.

I have just CCAd them, and told them i will look at going for compensation for the calling work, and unfair treatment

Hi Guys. I had someone from Robinson Way call at my house last night about a british gas account i dont owe.

I cant find a link anywhere to post my own thread, so was wondering if i told the story could anyone help, or could a member of the site team please move this post to a thread of its own for me to add to with my problem. Thanks.

SORRY FOR GATECRASHING

Just to let everyone know.

I have a solicitor who im using that is reclaiming charges back of my Crap one account, they are ringing me back tomorrow as they are looking into challenging them legally for me to wipe the account out.

If they say they will take it on, he said i can pass on his details and he will look at cases on merit.

Ill let you know

Update...

 

Did the letters as above, and this morning posted them rec delivery to council and Jacobs, also printing one off to pass to Mr Bully Boy when he appreared @ 1pm with his locksmith... (his copy included a copy of the proof of posting for the others)

 

Anyway, sent OH and kids off to the laketo feed the Ducks, just before one... And bang on time, he rolled upto the kerb outside our driveway.... Saw that my car was there today, obv indicating that OH wasn't "home alone" and he promptly did a U turn and left.... Wonder if he's gone for the locksmith or a van? Or if he realised he's not be able to bully a Mum with kids into letting him in?

 

Lets see what happens next...

 

Mike

hahahahaha idiots aren't they

If I pay the full outstanding council tax balance to the council will that stop them doing a walking possession which is what he is after?

It's not Scotland, they cant walk straight in, as advised, ignore the bailiff and just pay the Council

I'm also having problems with Capital One I've sent them a default letter and yet they are still sending me letters demanding money which they are not supposed to do. What do I do next. Also I have not asked for a subject access request err what is it? and do I need to request one?

An S.A.R. is a log of all the information they have on record about you, it cost £10 to get and by law they have to send it.

Although the law seems to below some companies (they think)

Nish i looked you up and cant find a cap one thread under ur name.

Hi, i haven't been able to put a thread on cos i cant find anywhere the right area to post, i dont seem to have a post link