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thewelshwizard

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Everything posted by thewelshwizard

  1. Hi firstship, thanks for coming back to me. The original creditor was the CoOp Bank, they have sold the debt to Lowell. My main bank account now is a CoOp account and the CoOp know it's not me as my date of birth is different to the person whose account it is. Lowell have tracked me down and are trying to pin the debt onto me. I am not happy that they have searched my credit file without my authorisation as I am not the person they are looking for. Lowell are demanding I clear the debt.
  2. About a week ago I received an update from Equifax that Lowell had done a search on my account and a new address had been associated with my account. I was expecting something in the post from Lowell which arrived yesterday. I have some debts which I am dealing with, but this is not mine. This one is definitely not mine - how can Lowell have the right to search my credit file without my authorisation? I am not happy with this and want to take it further. Any suggestions?
  3. Has anyone actually been taken to court by these parasites?
  4. Hi Thanks to everyone for their responses so far. Where do I find a 'prove it' template?
  5. First time poster with an HFO issue. Have received 2 letters recently, one, titled REMINDER - NOTICE OF ASSIGNMENT, demanding payment within 14 days. The other, dated 10 days later which I received today, demanding payment within 3 days. This is for an agreement originally taken out in 1996 which I defaulted on in 2007. It was sold to HFO in 2007/2008. The second letter includes threats of court action, and enforcing judgement by Warrant of Execution/bailiffs or Order to Obtain Information. The letter includes Experian and Equifax credit reports and land registry documents. How do I proceed with this?
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