http://www.consumerforums.com/resources/templates-library/52-harassment/135--harassment-by-telephone-response-letter- send them this.

Hi welcome to cag:) sure opens your eyes when you join here.many in the same or similar boat. you will get all the help/advice/ support you need.

and it is also strange that if the letter comes from presume that it was HEATHER peacock the attempted payment is always £5 while samantha barnard prefers to claim £10:grin::grin::grin::grin:

second that:)

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/266775-lowell-financial-4.html post 80 why can you not comment on the forum?

james seems to have logged off. maybe he is manning the phone line today? or one of the 5 guests:D

6th post and STILL not got the message. 6th post and STILL NO HELP:eek::eek::eek: YOU CLAIM that you can not openly post on the forum,that you need a reference to look into a complaint(sorry enquiry)WHY? WHY can you not comment? I have a complaint for you the one that you ignored on another post. do you still choose to not comment. this cagger has nothing to hide and has given me her permission to act on her behalf. We are ready to post her complaint in full again on here. will you answer it if we supply the reference? will you show us how dedicated you are? how concerned you are? or continue to skulk in the background for another few weeks? valid even if not understood by you,because it will be read and ignored will it not. samandra

well a 3 month break and they are back:mad: today's letter balance correct for once. As it has not been possible to reach an agreement with you for settlement of this matter.we are now instructed to commence enforcement action against you,which MAY involve the bailiff being instructed to seize your goods,or alternatively if you are working we MAY apply to the court for an attachment of earnings order. This course of action CAN BE PREVENTED.but only if you contact us straight away. should I ring them and pay this :Dor ignore? am scared that the bailiff will call:rolleyes: are these guys for real

would sent prove it first,see what they come back with;)

a favourite phrase of hamptons this one:D also seen it from hl legal. had the exact statement from westcott.not a sol but bloody cheek of them. wrote and told them that if they were chashing a VALID debt then they should already be aware of what litigation action they can or can not take. and considering the fact that they had already been a prying on my cf 3 times they should be aware whats on there. never heard back, 3 years now.

unit 1A 58 portland street kilmarnock KA1 1JG

mrs barnyard was not ms swallow but is bob collins understudy and in fact the one and the same that responded with the account closed letter as well. she has also contacted local ts guy again and told them,so they are calling out to see her on tuesday afternoon. they knew what they were/are doing and they knew how ill she was. they do not care,never have,as long as they get their pound of flesh anything is ok. lets see if they get away with it again.

maybe james would like to comment of the following? a young lady with mental health issues had joined cag and asked for help regarding lowell and a old bank account debt,last payment was 9 years ago.duly advised to send statute barred,sent and received. received the oh no it's not " payment was made"(and these payments allways seem to just be within the 6 year period) despite 4 signed for letters asking for proof of this alledged payment,lowell choose to ignore and continued to bombard with threatograms. continued to call her landline and mobile upto 5 time a day,despite receiving a copy of harrassment by telephone 4 times. so she was forced to change her numbers. she also received a letter from her ex employer regarding the calls from lowell who continued to call them despite being told that she had left in 2004. In desperation she sent me a PM as the threats of court and home visits were making her ill. she had actually told them in one call that they were making her ill,that she had a new partner and he knew nothing about this and was scared that he would find out. the lowell caller stated "pay your debt then" or a field agent will call. we then comprised a letter of complaint,explained how this was affecting her and asked for proof of the payment claimed. this letter was sent to bob collins director of compliance in september 2009 the responce was a letter from lowell who "taking a commercial view and without liability"closed the account. fast forward to 6 weeks ago and a letter demanding payment for the same alledged debt from RED!!!! she responded by sending statute barred letter to red. that was ignored and 3 weeks ago she contacted me again as red were now threatning. we then sent a letter to red containing copies of the letter sent to and received from compliance and asked for a copy of their complaints. sent to head of collections mark allmark at red responded to last thursday we are in receipt of your letter dated xxxx the contents are duly noted,no comments at all on this farce:mad:just please find enclosed as requested a copy of our complaints. followed by the stages that they follow and estimated time frame. this responce was from samantha barnard at lowell???? so james get your calculator out how many breaches here? and lets not forget that the orignal date of last payment..never proven... but made by lowells claim that this was nov 2003....... it is now 2010 slide your calculator across to red. the complaint form will be returned so that one of your highley trained,dedicated officers can resolve this matter. only problem we have is where to send it?

and the same lowell threat calling chimp who after I myself explained that I was stressed by their constant harrassment of a statute barred debt and that I was heavily pregnant and previously suffered a stillbirth was told that "It would be my fault when I buried this one through not facing up to my debt"

1 apex view leeds ls11 9bh

As soon as we here from you we will be able to place your account with red or hamptons, who will then bombard you with threats by letter,e-mail and phone,stopping collection activity from lowell's desk in a attempt to fool you. do not respond by phone or e-mail,put your complaint in writting we can give you the address as james seems to have forgotten to include it. and follow up with ICO when lowell have ignored or used the latest tack of responding by saying account closed,to be slipped to another several months down the line. agree with pinky,why is this farce being allowed to continue

and do not respond to PM'S no doubt that will be the next move

same 4 guests? 15 minutes later:D defo lowlifes if they take that long to read

4 guests:rolleyes: having a gander wonder if one is ms swallow who seems to have disapeared off the face of the earth

genuine offer of help my ar*e sorry to learn of the difficulties on one post:roll: you should be at least a royalties account holder if you responded to the mass of growing complaints about lowell/hamptons/red. typical lowlife drivel can not make up their minds on who or what they are complaints resolution number is answered by a recording of "welcome to lowell customer relations team" you are then told that all AGENTS are busy please leave your name.reference number and contact telephone number, and time that you wish to be contacted and a OFFICER will return your call.

thanks for responces. she rang buisness link who told her NOT to give it. they said that a utr only proves that you self access,which could be for a number of reasons,and will not prove that you are SE. she also spoke to hmrc they said that it was very cheeky for the company to ask.it is between you and the taxman.same as above,they can verifie but it proves that you self access only. she also said that if they had concerns then they should not have been paying gross for the length of time that they have been. mate rang the company yesterday and told them and they have said that it is for their own records only,and asked her to go in to see them on monday.

have a friend who has asked for help/advise. she is self employed,she packs work at home for 2 companies, 1 company she has" work" once a month and gives them a invoice and recieves a cheque the problem she has is with company 2 she has been supplied by them for 8 years,is payed monthly direct into her bank. each year she has signed a declaration form for this company.stating that she is SE responsible for own tax/ni . now this week this form is asking for her utr code. what she is asking is. should see give it to them,is it any of their buisness,what can they do with this code. she is concerned that they can get her income details from company 1 and she also has casuall work from 4 other companies. but worried that if she does not give it to them they will stop the work. she has to return the form on monday.

and can tell them to p off:D

probably won't happen either hand them a copy of this and close the door. http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit- or tell them to do one

yet again a new job title for kevin almark and a new desk perhaps. from red collections manager.