Hi people, I am sorry to bother you but would love some advice. As we all have rammed down our throats we are in the throws of an "economic slowdown". I work within construction which always suffers. My boss has decided that in order for him to survive he is stripping back all the cost of living rises he gave out in the summer, to the tune of about 5% per employee. This I could understand if the order book was empty and the profit none existant - however I have just produced 6 months internal accounts for him which show a healthy working profit, and we are on target to have by far the highest turnover that the company has ever had. And, he wants to take on a new Manager which will be at great increase to the overhead and also a new joiner on site! Surely he cannot take money from existing staff to pay for new staff? This is at least morally wrong and at worst illegal surely? I really would like some new advice or my pay packet due just before Christmas will be light so the new guy can have the company car of his choice. Thanks so much in advance.

Thanks guys, I was starting think it was another ploy to scare me - they even used capital letters in some of it!! In theory I shouldn't hear anything more now I have said that if I have to write again I will charge them £25.00 per letter. Is that actually enforcable? I just wondered if "we" (the people) could actually enforce such a thing.

Afternoon all. I have had another letter from our favourite people, this one is threatening that they are going to send my case onto the legal department who will take me to court (didn't think they could do that out of the statute of limitations, even if the debt was mine). This will result in them taking my homes contents, selling my daughter on Ebay, you get the picture. Is this another threat in a long line of persuasion or should I be worried? Is this to scare you into thinking that they really can do this to you? The letter I sent recorded delivery will have arrived this morning I imagine, so do I just ignore this or is it serious? Thanks.

Thanks for all the advice guys. I have just sent a letter to them, recorded delivery, along the vein of the template that ODC kindly gave me (thanks for that). So at least I have taken the advice of consumer direct and in theory they will take further if I continue to be harrassed. I didn't send any proof of who I am and didn't sign the letter, in fact I just put my home address at the top and then ended it with "The Occupier" so they don't have any more information than they did before. Lets see if it actually has the desired effect - I will keep you all posted and thanks again for all your time.

Hello everyone, update on the situation. I have received a reply from the tranding standards offshoot, ConsumerDirect and they are advising me to write to Lowell Financial, telling them that the name is incorrect and that I never lived at that address, and if possible providing proof of this. However, I am still in 2 minds about doing this - surely if I write and give them this information then they have more of a stick to beat me with? I am not convinced at all they will suddenly leave me alone, after all they didn't check whether they had the right person in the first place so how is saying that I am not that person going to make the slighest difference? I know I shouldn't be doubting the advice from trading standards but I want to know what you guys think before I do anything, so any advice would be gratefully received. Thanks in advance

Being female I have now decided to throw a wobbly about this and have just contacted the Trading Standards in my area to see if something can be done. I have been reading several posts within this forum and it seems that Lowell Financial are appearing again and again. Is there not something we, the people can do to get them to stop harassing us mere mortals? I dislike bullies and threats and am happy to send a letter to any organisations if it helps rock the boat a bit. I will post when and if I hear anything.

Hello! I am having the same problems with Lowell Financial Ltd and a mystery debt from 1st Credit - what makes it even more laughable is that it is against a property I have never lived so it is clearly a case of mistaken identity! After another threatening letter today telling me that they are going to send someone round I have decided to report them to Trading Standards, so I wait with interest as to the next installment. I hope they leave us both alone soon!

Yes it was Feel a bit of a plonker now for being wound up by it. Apologies for wasting your time - I will file it alongside all the all the threats and bullying letters and wait for the next one to arrive.

Got to tell you my update - just got home from work and I have received (what I think is) a hand delivered postcard from a representative of Lowell Group!! All the postcard reads is that they have been trying to contact me and will do so again - But I can only assume that someone has been to the house, which I didn't think they could do? Should I just give in, ring them and tell them they have totally the wrong person as I am now starting to feel a bit intimidated and the dam debt isn't even mine or ever was. Any advice folks? Thanks in advance.

Hi everyone! I am new here, I am at my wits end and wanted to see if any of you can help me out. I have received a letter from Lowell Financial of Leeds to my home, but with a slightly different spelling of my name (and the title is different). They are demanding I repay a debt from a company I have never heard of, which was on an address I have never lived at. I have ignored the first 2 nasty letters as I am of the opinion that I don't have to prove I am not that person, they have to prove that I am - but now they are threatening to send a debt collector round. Can this affect my current credit rating (which is OK, I have checked!). As mum to a small child I don't want anyone knocking on my front door demanding money with menances, and from what I can gather they have no legal right to chase such a debt anyway. What should I do? Should I contact them and tell them that it isn't me? Or do I just continue to ignore their bully boy tactics and instead contact my MP about it? Any advice would be gratefully received and thanks for reading this.