HELP! i am new too this red debt collection service

[storey79]

hi i'm new to all this . i recieved a letter this mornin from red debt collections stating they were working on behalf of lowell portfoil Ltd. stating that i owed the sum of £418.57 ! naturally i rung them as i did have a debt for this amount a fewe years ago and arranged a payment plan with them havin thought after i thought i would google them too see wot was the general concencous on them having read these threads etc. i'm worried ive aknolgded the debt is this rite and if i havent can anyone give me any advice thanks james

[PossVox]

Hi,

 

Red Debt and Lowells are the same company.

 

NEVER SPEAK TO THEM ON THE PHONE!

 

Did you put anything in writing re the payment plan?

 

Cancel any payment that you may have set up.

 

Red/Lowells are well known on here and specialise in attempting to collect unenforceable debts.

 

What do you think the debt is for? Credit Card? Overdraft? And how old is the debt?

 

You should send either the "Prove It" letter or request a copy of the Consumer Credit Act Agreement (CCA).

 

Give us some more info so you can be directed more.

 

Hope this helps

 

PV

[storey79]

hi ye its for 3g mobile phone company i havenmt signed anything i spoke to them on the phone 2007 the debt wos from as i remeber hope this helps

[tofwig]

i had a phone with 3g in 2005. was glad when the contract ended.

 

got letter in august from lowell and red demanding £65. my credit file even showed as account settled in 2005. told them i am not paying anything to them. they then changed the credit file to defaulted!!!!!!

 

am livid told them i am going to charge them £25 quid for each letter i have to send back to them. they have now said they will write the debt off.. am still going to go after them for the £100 in letters and compo for them altering my credit file..... any other info recieved will be greatful...should i report them to the f.o?

[lostinwoods]

Hi PossVox

 

does it matter if its for credit card or overdraft as I have both and also vodafone as well (long story will start my own thread)

 

can we CCA for all three?

[lostinwoods]

i had a phone with 3g in 2005. was glad when the contract ended.

 

got letter in august from lowell and red demanding £65. my credit file even showed as account settled in 2005. told them i am not paying anything to them. they then changed the credit file to defaulted!!!!!!

 

am livid told them i am going to charge them £25 quid for each letter i have to send back to them. they have now said they will write the debt off.. am still going to go after them for the £100 in letters and compo for them altering my credit file..... any other info recieved will be greatful...should i report them to the f.o?

 

Hi...can you post it here that £25 charge letter as I'm preparing documents for my battle

[ODC]

A CCA request is no use for a mobile phone agreement. Instead send them this. Above all things NEVER speak to them on the phone. As you have discovered they are bullies and will lie and trick you into paying a debt which they may not even be able to prove belongs to you. Never ever give them your bank details

 

Dear Cretins

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

Please note that if you continue to telephone me at my place of employment I will rport you to the OFT as this is a clear breach of the OFT Guidelines on debt collection. As your company are also members of the CSA you are required to abide by their Code of Practice and failing to do so could render you liable to prosecution under the Consumer Protection from Unfair Trading Regulations 2008

Yours etc