Phone calls from Lowell

[K-h-84]

This week, i have received 2 phone calls from a company called Lowell. I understand from reading posts/threads on this site that these guys are a big pain in a**e. I have no idea why they are ringing me, i've not actually answered their calls, though they have left messages. Can someone please give me advice what i should do/expect from these people?

Thanks

[accesspwd]

Do you have any debt that could have been sold on to these?

[K-h-84]

I have an old debt from The Cooperative Bank for about fifty something pounds, that could possibly be it.

[accesspwd]

Phone them just to see what they want. Done acknowledge the debt however or pay anything.

 

However, if its for £50 and afew pennies, it may be worth just paying. I would

 

But if any more, you can look to dispute further and just casually request a copy of your CCA. and see what turns up from there

[dcakiller]

As I am sure you will have gathered from reading these posts do not talk to them on the phone. they will lie and bully threaten everything under the sun from taking you to court to killing your cat.Remember it is harder to think strait when they are bulling you over the phone which is exactly where the dca wants you.I would wait untill they send you a standard threat o gram to find out what they want when you have it you will get help from caggers on this site

Edited June 17, 2009 by dcakiller
typo

[sam614]

This week, i have received 2 phone calls from a company called Lowell. I understand from reading posts/threads on this site that these guys are a big pain in a**e. I have no idea why they are ringing me, i've not actually answered their calls, though they have left messages. Can someone please give me advice what i should do/expect from these people?

depends on what they want:rolleyes:

Thanks

 

they will continue to ring,leave messages,if you do answer refuse to go through security

and replace the phone.

 

wait till they send their first threat o gram,you will then know what its about.

 

and how to go about forcing them back under their rock:lol:

 

SAM:pLOWELL DETESTER

[accesspwd]

dcakill does have a point, myself i would call them just to generally see what they want, especially if im not aware of any reason why they are after me.

[dcakiller]

dcakill does have a point, myself i would call them just to generally see what they want, especially if im not aware of any reason why they are after me.

 

By all means if you fell strong enough call them but tell them the call is being recorded and witnesed that normaly makes them behave. Ask them to put any alleged debt in wrighting. Even if you do owe a debt the banks & dca would not hesatate to use the law to get out of paying there own debts . It will not be the first debt I have seen being torn to shreads on this site

[K-h-84]

I don't really want to talk to these kind of people because i know i'll end up losing my temper with them if they start trying to bully me. Can i just wait for a letter or should i really talk to them?

[sillygirl1]

Lowells are the lowest of the low, so if you call them tell them that th call is being recorded and see their reaction. I'd just wait for a letter and hit them with a CCA once the letter arrives, plus include the telephone harrassment letter for good measure.

[dcakiller]

I would personaly wait for there first threat o gram. I have had dca calling me I refused to speak to them over the phone when the did wright to me the debt was time barred.

[K-h-84]

How can i tell when the debt time is barred? Could my debt have been sold on by Westcot? I used to have a bank acccout with the coop but that has been closed now for over a year!!

[dcakiller]

Unfortunatly it has to be six years (5 in scotland) since last payment or writen conformaton of the debt by you. But if the debt is for a bank account there may be charges ect ect that you can reclaim hence why you should not speek to them over the phone if you have every thing in wrighting in front of you you can plan your next move and if you know you will get wound up why upset youself and waste you time and money on a phone call

Edited June 17, 2009 by dcakiller

[K-h-84]

Ah ok, well i don't think it has been that long. How many more phone calls will they make before they send out a letter? I would rather have it in writing what they want & what the debt maybe.... Also can you explain to me what a CCA is & is there also a template for a telephone harassment letter.

Sorry for all of the questions!!

[accesspwd]

Theres afew templates on here somehwere, im not really sure where, im new myself.

 

a CCA is the comsumer credit agreemtn you would have signed, if you didnt sign it or they dont have one, there aint a enforcable debt for them to pursue

[K-h-84]

Erm, i can't really remember if i did, because when i first applied to get the account i got a bonus one as i was under 18, then it got upgraded to cashminder. I did have a currant account but i NEVER had a card for it.

[westendwendy]

Personally I would just ignore the phone calls,if they want to contact you badly enough they will write.

 

I find it better to deal with these people in writing,you have time to read their letters in peace and compose your thoughts to reply in writing.

[mr.ton]

Report them to the OFT/trading standards.

[sam614]

Erm, i can't really remember if i did, because when i first applied to get the account i got a bonus one as i was under 18, then it got upgraded to cashminder. I did have a currant account but i NEVER had a card for it.

 

bank account is not covered by cca.

 

other ways of getting rid of these muppets though,wait to see what they come up with.

 

they will write.

 

SAM:pLOWELL DETESTER

[dannyboy660]

Wow, Lowells posts always seem to get a huge response!!

 

The best way to deal with Lowells is ignore them.

[deathbycrayons]

This is my advice.

 

Wait for them to write to you. Do not speak to them on the phone at all.

 

Once you receive a letter from Lowell, send them this:

 

Dear Sir/Madam

 

Account no: XXXXXXXX

 

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

 

I would point out that I have no knowledge of any such debt being owed to yourselves.

 

I am 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 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. This is formal request that you remove all telephone numbers relating to me from your database. You must conduct all correspondance in writing only.

 

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

 

I 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.

Yours faithfully

enclosed: Harrassment warning

Then await a reply from them. Also, enclose a harrassment warning letter:

 

- HARASSMENT WARNING -

WARNING; PROTECTION FROM HARASSMENT ACT 1997;

WARNING; COMMUNICATIONS ACT 2003. s127.

Telephone Number: IN RED

Re: Harassment by telephone

Dear Sir/Madam.

 

I am writing in relation to telephone calls that I have received from your organisation, which I deem to be personally harassing. I have verbally requested that these calls stop, but I am still receiving calls. I now require the telephone number listed above to be completely removed from your systems.

 

I am in the view that your continued telephone calls put you in breach of the Protection of Harassment Act 1997.

 

This is a private telephone line, operated on a contract with the intention of receiving and making personal phone calls, I have not authorised any other member of my family to receive calls from your organisation using this PRIVATE TELEPHONE LINE.

 

By using this telephone number without my permission you are interferring with my ability to use my own private property for the duration of any call.

It is my right to require that this telephone line, which is licenced solely to myself, is kept clear for my own personal calls.

It is consquently my view that you are commiting the tort of interference with contract insofar as for the duration of each call you make to me without my permission, you are interfering with my contractual right to receive and make personal calls on my private telephone line.

 

Continued interference with my contractual rights in this manner may result in legal action.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to the Office of Communications, Trading Standards and the Office of Fair Trading, meaning that you may be liable for a substantial fine.

 

Be advised that all telephone calls from your company will be recorded.

Yours faithfully,

Be sure to send them by recorded delivery.

[K-h-84]

Thank you everyone for all of your advice, deathbycrayons thanks for the letters as well. Can the telephone harrassmen be used towards another company, as i also keep getting people phoning for a previous tenant?

[deathbycrayons]

Yes it can, it can be used for pretty much anything.

Edited June 17, 2009 by deathbycrayons
Gave wrong info..

[K-h-84]

i'm going to heed everyones advice & ignore the calls from lowell & see what comes in the post. Will update you, when i receive any letters. Once again thanks for all your help

[K-h-84]

UPDATE!!!!

Well today i have receieved a letter from Lowell Financial, who say they have been instructed to contact me by their client Lowell Portfolio Ltd. Surly this is the same company?? Do i need to send them a letter even though the letter i've receieved isn't aggressive?