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Azuma

Lowell and Red (now) help please?

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hey guys,

 

i posted this about a week ago:

 

We have recently had mail that was sent to you returned and as such we have taken steps to confirm your residence.

 

We have chosen to use the services of a credit reference agency and through various checks it appears likely that you are still resident at this address. As such we believe that you may be trying to avoid contact with us as your creditor.

 

We now intend to take further action against you in order to recover the outstanding balance, this action could include either, an agent visiting your address to discuss your account at a date to be advised. We also may consider commencing legal action against you.

 

This outstanding balance is not going to go away and trying to avoid your responsibilities will only make the situation worse.

 

You can resolve this matter by entering into a repayment plan or settling your account by paying a sum of money as full and final settlement.

 

Unless we hear from you within 5 working days from the date of this letter (27/07/2009) we will instruct our agents Red Debt Collection Services to take the appropriate action.

 

Please call telephone number xxxxxxx where one of our agents will be ready to help.

 

________________________________________________________

 

i pretty much ignored this letter, as they were phishing for info i think, i have already had letters from Lowell and they basically couldn't put two and two together in order to realise that i was the same person...

 

after a week, they (lowell) have "passed" my details to "red debt collection services" - i know these are the same monkeys but they have sent me an interesting letter (considering i have not responded to the letter(s) in question here.

 

They have sent me the following letter (RED now not Lowell):

 

"We would inform you that we have been appointed duly authorised collection agent for Lowell Portfolio I Ltd and instructed to recover the outstanding monies due to our client.

 

As you have failed to settle your outstanding balance or enter into a repayment plan our client has now instructed us to consider either:-

 

1. Using the services of a licensed 'Home Visit Agent' to attend your home during a period to be notified to you to discuss your account.

 

2. Start legal proceedings with a view to gaining a county court judgement, which if awarded by the court we would apply to the court to enforce this by either way of an application for a charging order against your property or the use of bailiffs who may remove goods from your premises should the debt remain unpaid.

 

Before a decision is made as to the most suitable form of action regarding your outstanding debt, we would like to give you the opportunity of contacting us and agreeing payment.

 

If we do not hear from you by 10/08/2009 and you persist with non payment our client will have no alternative than to use either recovery methods as described above, both could see your balance increase as any costs incurred may be added to your account by the court.

 

This debt is not going to go away and ignoring this problem could potentially make your situation worse and we therefore strongly recommend you contact us now.

 

To pay this account in full or to set up a repayment plan call ........."

 

Yours sincerely,

 

Kevin Allmark

Collections Manager.

 

____________________________________________________________

 

I've got a few questions, the first and most obvious, is what is the likelyhood of any of the above actually happening? i'm pretty sure it's just their usual threat tactics, although would like to have your opinions.

 

Also, is this a common letter to recieve from these losers? any advice on my next course of action would be much appreciated :)

 

thanks as always guys,

 

Az

Edited by Azuma

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i myself would just ignore

phishing if no contact has been made

but that me

its your choice

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Hi AZ

 

Do you know what the alleged debt is?

 

 

Regards

 

David

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Definately ignore these silly and ultimately empty threats from the Leeds losers. There is no such thing as a Licensed Field Agent/Home Visit Agent. These are just inventions of Andy B and Jimmy C.


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i myself would just ignore

phishing if no contact has been made

but that me

its your choice

 

Thanks for the advice, i was thinking the same thing, i have not responded to any letters relating to this so called debt, but i have responded to another letter they sent me about 5 weeks ago relating to a different SB debt. it's funny how they are phishing even though they have had a letter from me confirming my address with a different SB debt.

 

any other advice fellow Caggers?

 

thanks :D

 

Az

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Definately ignore these silly and ultimately empty threats from the Leeds losers. There is no such thing as a Licensed Field Agent/Home Visit Agent. These are just inventions of Andy B and Jimmy C.

 

Thanks ODC, it's mental how they use such pathetic "scare" tactics to make people fret and worry, the only thing i was slightly concerned about was the threat of CCJ, although i'm pretty sure this is HIGHLY unlikely, any thoughts on this?

 

Az

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Hi AZ

 

Do you know what the alleged debt is?

 

 

Regards

 

David

 

Hey David,

 

yeah this alleged debt is a response for two different debts, one being an overdraft and the other is for a personal loan.

 

any reason why this could cause a problem knowing that?

 

Az

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I CCJ for a Statute Barred debt. How deep do the Leeds Losers want to dig the hole they are in


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I CCJ for a Statute Barred debt. How deep do the Leeds Losers want to dig the hole they are in

 

ODC,

 

i'm not sure if this debt is SB, BUT this debt is totally seperate, and i have no contact with them about this alleged debt (the one that was passed to RED)

 

Az

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No not a problem as it seems you are on top of the situation.

 

 

Regards

 

David

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No not a problem as it seems you are on top of the situation.

 

 

Regards

 

David

 

Thanks David, i'm just going to ignore this i think, unless anyone can give me a reason not to at this juncture?

 

Az

Edited by Azuma

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*Bump* - just to find out if anyone else has any other advise on this matter? any stories of similar detail?

 

Az

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Ignore the Leeds Losers unless they come up with something substantive. Their threats seem to come in cycles but at the end of the day they are one of the easiest of the DCAs to defeat.


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So Red are their "agents" now are they? :D

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So Red are their "agents" now are they? :D

 

Makes a change from Andy B's hilariously named 'Licensed Field Agents':D:D


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I wonder what they refer to Hamptons as then?

Oh sorry i forgot...their legal department :rolleyes:

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saw one last week

your account will be send to our legal EXPERTS hamptons:rolleyes:

 

SAM


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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So they have legal experts & agents in the Leeds threat centre as well :eek:

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not forgetting their highley trained debt advisors:D

 

trained in BS


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Now Dont Start Sam614 Off

 

He Is Like A Dog With A Bone With Lowells, Red, Or Whatever They Are Calling Them Self This Week

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We love Sam..our resident Lowell detester :D

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And of course they refer to RED as ''our specialist insolvency company''

 

What planet are these clowns on???????

 

They suffer from delusions of GRANDEUR.

 

At the end of the day its the same empty threats from the same threat monkeys who all work in the same Threat Centre talking the same CRAP on the phone no matter what persona they adopt that day. Their threatogrammes contain the same empty threat no matter which notepaper they use to print them on. Personally I think they should print them on ANDREX because then at least they would be useful for something.


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Now Dont Start Sam614 Off

 

He Is Like A Dog With A Bone With Lowells, Red, Or Whatever They Are Calling Them Self This Week

 

 

SAM:pLOWELL DETESTER....IS A LADY


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Ok No Comment

 

Ill Appeal To Your Feminine Side Rather Than The Butch Side:grin:

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is that a spelling error butch;)

 

have a I on me

 

no fear of cagbot

 

SAMANDRA:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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