advice please - red debt collections

[kayadkaz]

today i recieve a letter from red, telling me that lowell portfolio l ltd have appointed them to recover outstanding monies for 3G mobile.

apparantly i last paid them a sum of £131.93 on 5/1/2007 & owe now £212.51.

i previously had a 3 account, which went to moorcroft debt collectors in which i paid them off on the 21/7/2008

i have had no other accounts with 3 & do not understand wher they got this information from & why now over 2 years have they decided i owe them money

i have checked by bank accounts to clarify to myself that i paid off my account but also checked to see if i did pay them a sum of £131.93 which they tell me i did but guess what because i didnt have another account i didnt pay any money to them

ive been reading through about this red debt collection & wonder if its advisable for me to request all my details & the "account" i appantly owe money too.

help

[cerberusalert]

Send them the 'prove it' letter;

 

Dear Sir/Madam

 

Account no:

 

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.

 

I/we look forward to your reply.

 

**Edit to suit**

 

Remember, don’t sign the letter.

[kayadkaz]

thanks i will, so if i dont sign the letter do i just write my name ??????????

[cerberusalert]

Yes;)

[mr.ton]

Lowells/Red/Hamptons are just desks on opposite sides of the same room.

It doesnt take much for them to "instruct", they just call out across the room to the threat monkey opposite

[sam614]

extra banana bonus if they hit the correct threat o gram button;)

 

SAM:pLOWELL DETESTER

[kayadkaz]

thanks i'll do the letter now & post it, do you recommend recorded delivery

[nish40]

extra banana bonus if they hit the correct threat o gram button;)

 

SAM:pLOWELL DETESTER

 

I would imagine pressing the right buttons is an achievement in itself, after all, the knuckles would be quite sore, all that dragging across the floor at feeding time

[cerberusalert]

thanks i'll do the letter now & post it, do you recommend recorded delivery

 

It wouldn't do any harm

[kayadkaz]

hi today i received a letter dated 09/03/09 saying i have failed to settle the outstanding balance or enter into a repayment plan & that their client has instructed them to either arrange a home visit or start legal proceedings, not once have they acknowledged the fact the they received my letter dated the 24/02/09 ( posted recorded delivery) stating i have no knowledge of the debt & that no further contact be made unless they can provide evidence as to my liability of the debt in question.

 

is there a letter i can send to point out the fact that they have completely ignored my letter?????