Well the phone calls stopped after the harrassment letter was sent and today have got what appears to be a final letter or so they claim

Update - I have missed three calls today and somehow lowell's now have my home phone number, I have never given this to them in the past. How do you deal with a DCA who constantly tries ringing you.

Some one has been busy with their crayons at Lowell's, but I have recieved another useless letter.

So a month has passed and they have sent my account to another debt collector. This letter was sent to Pastdue on 2nd August 2010 This Letter has been recieved today from Scotcall Debt So much for a DCA to pay any attention to the letters they recieve, shall I just send the first letter above to the new DCA. On a seperate note they are sending letters to a Ms and I am a Mr does this have any effect.

Well, the letter has gone today by recorded delivery. I await there next load of dribble. By the way it was printed in a larger print than normal and spanned 3 pages

For the purposes of clarity and the avoidance of doubt, please take careful note of the following: This letter does not acknowledge any debt owed to you or your affiliates, agents, owners or otherwise. Dear Sam Barnard, I refer to the above account number which you insist is attributable to me. I have no knowledge of any such debt, and in any case any debt I may have had, is statute barred under the limitations act, something which again, you choose to ignore. In your letter dated the 28th August 2010, you incorrectly state that you received an 'attempted' payment of £1.00 on the 3rd February 2006. My records show that this will have been the statutory fee required in request for a consumer credit agreement, of which the request clearly states what the enclosed payment is for. Your statement that; I attempted" to make a payment is incorrect and an abuse of your position. As such I have updated a current complaint with The Office of Fair Trading and will be submitting a complaint to Trading Standards, and the Financial Ombudsman for them to also investigate your fraudulent claims. With regards to your failure to act lawfully and supply me with the CCA requested in February 2006, together with the failure to return the statutory fee, in my opinion you have acted fraudulently and decided to use it against the alleged debt, I reserve the right to make a formal complaint to the Police for offences committed under the Fraud Act 2006, namely S2. 2 Fraud by false representation (1)A person is in breach of this section if he— (a)dishonestly makes a false representation, and (b)intends, by making the representation— (i)to make a gain for himself or another, or (ii)to cause loss to another or to expose another to a risk of loss. (2)A representation is false if— (a)it is untrue or misleading, and (b)the person making it knows that it is, or might be, untrue or misleading. It has also come to my attention that you have made repeated unauthorised searches on my credit file, these being as follows, something I find unacceptable dates of 7 searches in 6 months I have submitted a copy of these searches to the Information Commissioner’s Office for them to investigate. I now require confirmation from yourself that by 8th October 2010 you will have erased any entries you have made on my credit file, you will also return to me my statutory fee of £1.00 which you have fraudulently used in your attempt at keeping an alleged debt alive. And finally, you will accept that this alleged debt is beyond the limitation period and close your files accordingly. I expect a response by the date mentioned above, if, you continue to pursue this matter I will look at taking further action against yourselves and claim damages in relation to your conduct, time and expenses and stress caused in dealing with you in this matter. I also reserve the right to make a formal complaint to the Police regarding the attempted fraud you allude to in your letter of the 28th August 2010. I look forward to your prompt response and your confirmation that this is the end of the matter after rectifying all of my concerns laid out above. Sincerely. (print name)

Slightly rewording sections of the letters and will repost it here

Have edited post 33 images, why can't you edit posts on here. Bazooka Boo tried to pm you with a new revised letter but seems you dont accept them

Duplicated

This is what I have come up with so far For the purposes of clarity and the avoidance of doubt, please take careful note of the following: This letter does not acknowledge any debt owed to you or your affiliates, agents, owners or otherwise. As you are more than aware the letter sent to you dated 3rd February 2006 was a request under the CCA and the £1 was the statutory fee as required by law. It is very strange that you never replied to that letter but have waited 4 years to try and use this to your advantage i.e. fraudulently trying to obtain a monetary gain from me, in light of use the £1 PO for the CCA as a means to keep the debt alive, 2 Fraud by false representation (1)A person is in breach of this section if he— (a)dishonestly makes a false representation, and (b)intends, by making the representation— (i)to make a gain for himself or another, or (ii)to cause loss to another or to expose another to a risk of loss. (2)A representation is false if— (a)it is untrue or misleading, and (b)the person making it knows that it is, or might be, untrue or misleading. I will have nothing further to do with a company that acts outside of the law I have already made a complaint to the OFT & TS for investigation and I am not willing not deal with yourselves at all in the future including under any other trading name. Lowell should now pass this account back to the OC immediately, or if they have bought the debt including the rights under the law of property act, they should stop all collection activity until the matter has been fully investigated by the OFT TS and the Police. I hope this letter makes my position COMPLETELY clear

Bazooka Boo - Would you be able to help write a letter to them in regards to this.

I am getting fed up with DCA's simply ignoring peoples letters, they claim that in February 2006 that I made a payment of £1.00 towards the account. Back in February 2006 a letter was sent to them requesting a copy of the credit agreement and a £1 Postal Order was enclosed to cover the statutory charge, So now 4 years down the line they are deciding that this letter even with "I do not acknowledge any debt to you or any other company or organisation that you claim to represent" is my acknowledgement of the debt. I need some help on how to get a copy of this so called letter they claim to have on file stating I accept the debt is mine. Will it be best to ask them to prove I have acknowledged the debt. Todays letter recieved Letter Text Sent 3rd Feb 2006

Edited this letters sections and will send to Hamptons Letter to DCA persistant after statute barred

Will be something new for them to ignore

Now I have the following letter, they have theusual may take court action but want to add £245 Interest Charges (50% of amount outstanding), £80 Court Fee's, £70 Solictors Fee's. They have had the Statue Barred Letter many times in the past, convienetly ignored and have been reported via consumer direct who have told me not to call them as they will take this as acknowledging the debt. Can someone give me a link to the letter to send it a final time. Like others they have searched my file frequently, its in the region of one a month.

All logged with Consumer Direct

Well this letter is now full of threats about charges against my property as a homeowner. they also sent me a statement of account today. This account is well over statue barred all letters sent to them by myself (recorded delivery) have been ignored and then a further 12 months down the line they start the ball rolling again.

I have previously posted about problems with lowell, see this thread. So I have sent them letters before asking for details of the debt, the debt is well over Statue Barred yet around this time every year I get a letter from some part of their group. Todays letter is posted below, So this DCA has never ever answered any of my letters sent recorded delivery asking for proof of account and they simply ignore me for about 12 months to start again. Any help and advice is appreiciated

Sent the prove it letter today, will see what develops

I received a letter today dated the 26th July stating, this is a formal demand. Their client is British Gas Residential and they claim I owe a sum of just under £800 for a property I lived at nearly five years ago. Whilst I lived at that property my energy bills were handled by Npower and have never recieved a bill from British Gas, confusingly nothing with regards to this has ever shown up on my credit file. I would be pretty sure if I had a debt of this amount British Gas would have contacted me whilst I lived there or tracked me down straight after it seems very strange to wait so long. So I am not sure were to proceed with this, have had a browse on here and found this letter which might be worth sending. Any help and advice would be greatly appreciated

An update, yes I know its been a while but since sending those letters there was no reply, yet they sent me the following letter today. Any help appreciated.

This seems to be a yearly thing, lets send you a letter claiming you owe the following amount for an overdue accout. I have followed all the guidance for requesting a copy of the original agreement and Notice of assignment adding without prejudice and I do not ackowledge any debt and have never heard anything back from them. I believe the account is Statue Barred due to not being on any credit file. Now seeing that its a year since any letters from them they have sent the following letter to a neighbours address who has put it through my letter box, any help would be appreciated.

Well I didn't get any offers of a free package, they have sent this one and I received today.

really shouldnt as its new image

thanks for your replies and i have removed the name from the letter. He is still waiting to see a solicitor and at least sending a CCA Request will add some more time. Thanks:cool: