lowell portfolio I

[george1234]

i wonder if you can help i am trying to help a friend in need and found your website by looking up the name on the internet. To start with my friend has received a letter from lowell portfolio I who give no information on who they are telling her that they have received information that she resided at a particular address and it would be appreciated if she would contact them immediatley on the telephone number provided to confirm the update to the address details, it goes on to say that if she does not contact them they will assume the information is correct and update the system. Should she reply or ignore this letter is this scare mongering. PS she has some debt which is over 6 years old

[PossVox]

Hi,

First of all welcome to CAG and be assured that you'll get lots of support and good advice here.

 

NEVER EVER SPEAK TO THESE PEOPLE ON THE PHONE!!!

 

Lowell specialise in Statute Barred or almost Statute Barred debts (those debts which are over or almost over the 6 year limit).

 

Wait until they contact your friend again and then post up the contents of their threatogram, whoops, I meant letter!!!

 

This first letter is a phishing exercise to get information in order that they can begin harassing for a debt they already know is unenforcable.

[george1234]

Thank you for your fast reponce most appreciated will you keep you updated

[ODC]

You can rest assured that this letter is just a prelude to the full range of threatogrammes from these muppets. Your friend will find out soon enough what these clowns are after. Knowing them its highly likely to be some old unenforcable debt.

[george1234]

Hi everyone

 

Had the letter from lowell today saying there was a debt to lloyds and they were collecting the debt on behalf of there client. Saying to give them a call to come to some arrangement. I am sure as i can be that this is a statute barred case as it is over six years, what i am not a hundred percent sure about is my solicitor was trying to come to some arrangement with lloyds to pay it of, but lloyds never replied but not 100 percent sure of dates, think it could be on the border of the six years. Can someone send me the statute barred letter if this is the right avenue to take.

 

Many thanks

 

George

[PossVox]

Hi,

 

Statute Barred letter template is here:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Letter "M"

 

Send recorded or special delivery, DO NOT SIGN IT, PRINT YOUR NAME.

 

Print "I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY" in big bold letters across the top.

 

PV

[george1234]

do i need to put on the letter withour prejudice

 

thanks

[Tecnobaz]

Its my understanding that 'Without Prejudice' should not be used as that makes the letter worthless if its needed to be used in court.

[adamski]

you are right technobaz

[Tecnobaz]

The power of CAG !!

 

I have learnt so much here. Maybe there should be a CAG diploma.

[ODC]

Actually its letter M you need for Statute Barred.

 

Once you tell the Leeds Losers the debt is Statute Barred then its up to them to prove otherwise. Be careful with these clowns because in my case they made up an imaginary date just to keep it within the timelines. Remember they MUST prove YOU made a payment within 6 years

[PossVox]

Actually its letter M you need for Statute Barred.

 

 

Whoops!

 

Sorry about that!

 

PV

[ODC]

Whoops!

 

Sorry about that!

 

PV

No worries my keyboad is a bit dyslexic too. It must have had a previous life in a DCA call centre:lol:

[george1234]

should i drag it out a bit longerr before i send the statute barred letter to get closer to the six years as i am not sure on exact dated. Does anyone know what the next letter will be.

[ODC]

If you send them the Statute Barred letter they will waffle for a while and try to take the moral ground. All nonsense of course. They may do as they did in my case invent a date to keep the debt within the dates but when asked were unable to provide proof that I had paid anything.

[george1234]

Hi Everyone

 

Thanks for the advice. Sent the statute barred letter recorded delivery, i think that by the advice given i should expect another letter making up the last payment date or correspondece date so i know whats coming but thanks to everyone i am saying come on lowells bring it on xxxxxxxx

[george1234]

What a quick reply from lowells. Yes i got the expected letter telling me that they had proof that i had made a payment of so and so amount on a date that comes under the six years. Can anyone recommend the next letter that i can send of to lowells to ask for the proof of the payment because i do not remember giving one.

 

Many thanks to you all

[ODC]

Dear Chancers

 

You allege I made a payment on XXXX date. I dispute that any such payment was made by ME. Please provide me with full details of the alledged payment such as the dat and time of the alleged payment, the location where the alleged payment was made and details of whosoever made the payment on my behalf without my knowledge.

Most DCAs amd Creditors make a token payment of say £5 when they sell on or purchase a debt

[george1234]

Dear Chancers

 

You allege I made a payment on XXXX date. I dispute that any such payment was made by ME. Please provide me with full details of the alledged payment such as the dat and time of the alleged payment, the location where the alleged payment was made and details of whosoever made the payment on my behalf without my knowledge.

 

Most DCAs amd Creditors make a token payment of say £5 when they sell on or purchase a debt

 

 

Hi sorry to be a bit of an idiot but what did you mean about the last statement about the token payment

[george1234]

Thanks ODC for the advice sent the letter out yesterday registered we will see what they come back with.

 

PS what did you mean about the token payment as above.

 

Thanks

[ODC]

Lots of DCAs when they pass debt around 'allegedly' make a payment of say a fiver to try and keep an account active so as they can attempt to prevent people claiming its Statute Barred. See this thread here http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/141033-phantom-payments.html

[george1234]

Hi everyone, my very own update in the lowell saga. I sent them the letter asking them for proof of the alledged payment and a week or so after the letter was sent i received a letter saying they were obtaining the said proof and they could gaurantee that they would be able to retreive it and that i did not need to send anymore letters to them until they had retrieved it but again they stress they could gaurantee this would be obtained and if i need to contact there customer service by telephone i should not hesitate to do so. Question is do they need to provide this information within in a certain time frame.

 

Regards to everyone

[ODC]

The longer they take the better;)

[george1234]

hi there, had a reply from lowells today regarding the proof of payment, what they have sent is a joke and does not prove that a payment was made can anyone advise on next step well was going to try to scan but could not do it well its on blank paper

 

Debt Account no xxxxxxxxxxxxxx

 

Client Ref xxxxxxxxxxxxxxxxxxxxxxxxxxName

 

Posting category PAYPAYMENT

There are 1 entries in this collection

Posting due datevalue date Transaction type code Transaction type descriptionPosting amount

Datexxxxxxxxxxx datexxxxxxx PAYMENT FROM DEBTOR -XXXXX AMOUNT

 

That is all thats on the blank paper i have ommitted dates and amounts

[ODC]

Hardly what I would call proof. They would need to be specific as to

 

How paid

Where paid

and proof of who actually paid the alleged amount