ok good, and how exactly do i go about this, are they still required by law to produce the proof inside of 12 or 30 days? Would it be possible for someone to explain this to me fully? or point me to a post on another thread that will have all the right information relevant to my circumstances. thanks

also: 04.05.2012 - 13.19 so thats the 3rd time today, it went as follows THEM: 'Can i speak to . . ' ME: 'stop calling me or i will be reporting you to OFCOM' THEM: 'if we can just get through data protection, i can . . .' ME: 'i am not giving out my personal details over the phone, Stop calling me or i will be reporting you to OFCOM' Then i hung up. i know it wont stop them, but it made me feel better.

however much fun that would be, and i think it would be a great amount i dont think it will help in the long run, and also they only seem to phone when im at work and i dont think my colleagues would appreciate it!

ok good, and how exactly do i go about this, are they still required by law to produce the proof inside of 12 or 30 days? Would it be possible for someone to explain this to me fully? or point me to a post on another thread that will have all the right information relevant to my circumstances. thanks

I have realised after reading through some other threads that i have never asked Lowell for proof that they do actually own my debt, is it to late to request this information from them?

so this is getting ridiculous now in the last week, either a person or a machine has phoned: 27.04.2012 - time not logged on phone 30.04.2012 - 8.59 30.04.2012 - 9.10 01.05.2012 - 15.25 02.05.2012 - 13.14 03.05.2012 - 15.50 03.05.2012 - 17.30 04.05.2012 - 9.19 04.05.2012 - 11.44 each time its either been a machine saying 'press 1 if you are ' so i hang up, or another person asking me to confirm my personal information. why are these guys allowed to harrass people like this, i dont think much of whoever regulates them if they are allowing them to do this, just another way the system fails i guess.

When i read the PM its contained a link to a site that wanted alot of my personal details and some money, so i forwarded it to a member of the site team. Theres always someone that will try to make a prophet from other peoples misfortune.

Would it be ok to send that letter by email? or is it better sent by post? One debt was a loan and the other was an over draft, when i lost my job and could no longer afford the repayments, the first thing i did was notify the Banks i had the accounts with, i never heard back from them though, i dont have copies of the letters anymore either. I have not looked into reclaiming unlawful PPI, how would i go about that? i did have PPI insurance on my loan but when things went wrong i hid my head in the sand, much to my current shame. Thanks Becky

Would it be ok to send that letter by email? or is it better sent by post? One debt was a loan and the other was an over draft, when i lost my job and could no longer afford the repayments, the first thing i did was notify the Banks i had the accounts with, i never heard back from them though, i dont have copies of the letters anymore either. I have not looked into reclaiming unlawful PPI, how would i go about that? i did have PPI insurance on my loan but when things went wrong i hid my head in the sand, much to my current shame. Thanks Becky

I started making payments to Lowell, for debts they have bought, they matched the relevant account numbers/amount owed for the debts i know that i owe, and now they will not stop ringing me, 5 times this week everytime its gone something like this: Lowell: Hello, this is from Lowell, Can i speak to ? Me: Can i ask what this is regarding please? Lowell: Its a Personal Finance Call. Can you confirm Address/Postcode please. Me: I will not give out my personal details over the phone, if you need to contact me please send me a letter. i am very much regretting acknowledging the debt, i thought they wouldn't go away before, now i have started paying they have gotten even worse, i get voice mails and texts and phone calls, no letters since i started paying though, and no confirmation of the status of the account i.e. how much has been payed off. And i have no idea how they got my phone number, i was on pay-as-you-go until Nov 2010 which was well after the debts were sold on, so the banks i had the debts with would not have had this phone number or my current address, and i have had problems in the last with calls from sales people etc. so i only give my number to friends/family & the bank that i am currently with, i have no debts with them. i have also moved house 3 times since Lowell got in contact with me originally. This is driving me crazy how can i make these horrible people leave me alone, i will pay up, i know i owe money, i just want them to stop calling/texting/leaving messages.