Rockwell Debt Clloection - what do I do?

[Mr broke and harassed]

I have just received a letter today (29th May) dated 26th May that claims to be from Rockwell Debt Collection Agency.

 

It notifies me that I have a debt for £9,361.88 and quotes an account number.

 

Rockwell states that they have been instructed by Tessera Portfolio Management Ltd to contact me regarding the above account which remains unpaid.

 

I now have 7 days with which to contact their offices in Southend on sea, Essex or they will take immediate action.

 

They ask me to contact their "pre-legal" team to discuss where I will be expected to provide a full statement of my income and expenditure in order to validate any instalment/temporary arrangement.

 

Other then their ref number and a bar code, oh, and a bank giro paid to Rockwell thats about it.

 

I am unemployed now. I live in a rented property and have no savings. I have debts which I am paying £5.00 (x5) per month on each debt and a council tax debt which is for £35.00 per month.

 

I dont know who the debt is from or from when. I really dont know what to do.

 

I have read some of the threads and would really like some help here.

 

Do I call them? what d I say?

Shall I just write to them? What shall I write?

 

Please help...

[saintly_1]

Hi and welcome to CAG

 

I have moved your post to the Debt Collection Forum where it will get the response it needs

 

 

 

saint

[cerberusalert]

Send them this;

 

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.

[cerberusalert]

As for your other debts, if they are loans or credit cards have you sent a CCA request to ensure that there are enforceable agreements in place?

[smouk]

1. DO NOT CALL THEM - and do not talk to them if they phone you. Keep everything in writing.

 

2. "They ask me to contact their "pre-legal" team to discuss where I will be expected to provide a full statement of my income and expenditure in order to validate any instalment/temporary arrangement." - They do not have this power, in fact they have none.

 

3. Relax a little! They cannot slam you into an expensive court at the drop of a hat though they will always suggest that they can. They need to irritate you to justify their existence, the more relaxed you are the more it annoys them.

[Mr broke and harassed]

I have now had a letter from a company called red.

 

They state that they are "disappointed" that I have not repaid a debt to Lloyds and that the debt is being passed over to thier specialist debt team who will put a plan together for the repayment of the debt.

 

Firstly, this debt is over 6 years old (almost 10yrs). Secondly, the debt was an overdraft not credit or loan and it was under £500 pounds.

 

That means that the outstanding balance iof £4,446.01 is made up primarily of charges.

 

Pls advise.

 

Rgds.

[sam614]

I have now had a letter from a company called red.

 

They state that they are "disappointed" that I have not repaid a debt to Lloyds and that the debt is being passed over to thier specialist debt team who will put a plan together for the repayment of the debt.

 

Firstly, this debt is over 6 years old (almost 10yrs). Secondly, the debt was an overdraft not credit or loan and it was under £500 pounds.

 

That means that the outstanding balance iof £4,446.01 is made up primarily of charges.

 

Pls advise.

 

Rgds.

 

hi.is it over 6 years since you payed on or acknowledge this debt in writting

 

if red.aka lowell losers are on the case it is almost certain to be statute barred

 

click on the blue DCA link and sent them template number 2 statute barred.

 

SAM:pLOWELL DETESTER

[mr.ton]

I have now had a letter from a company called red.

 

They state that they are "disappointed" that I have not repaid a debt to Lloyds and that the debt is being passed over to thier specialist debt team who will put a plan together for the repayment of the debt.

 

Firstly, this debt is over 6 years old (almost 10yrs). Secondly, the debt was an overdraft not credit or loan and it was under £500 pounds.

 

That means that the outstanding balance iof £4,446.01 is made up primarily of charges.

 

Pls advise.

 

Rgds.

 

Red are better known as Lowells, also better known as Hampton Legal

The debt will be statute barred anyway.

Tell them to sod off, they have no legal powers to money off you.

Report them to the OFT & trading standards.