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plzhelpme_uk

redDCS / Lowell - Help.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3984 days.

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Hi guys and gals.. I'm hoping you can help me.. please.

 

I recieved a letter from 'Red Debt Collection Service' today ( 12/08 ) which was sent ( 07/08 ) I had to be in contact with them today..

 

This is the letter I had..

 

Dear Me,

 

Ref Number: --------

Original Creditor: O2 (UK)Ltd

Balance Outstanding: £224.11

 

We would inform you that we have been appointed duty authorised collection agent for Lowell Portfollo l Ltd and have been instructed to recover the outstanding monies sue to out client.

 

As you have failed to settle your outstanding balance or enter into a repayment plan (Which I was never asked about) our client has now instruced 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 or

 

2. Start legal proceedings with a view to gaining a County Court Judgement, which if awarded by the Court we would then apply to Court to enforce any judgement that may be granted by way of an Attachment of Earnings order or the use of Bailiffs to remove goods from your premises shoulf the debt remain unpaid.

 

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

 

If we do not hear from you by 12/08/2009 and you persist with non payment out client may have no alternative than to use other recovery methods as described above, both could see your balance increase as any cost incurred may be added to your account.

 

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

 

-'Contact Phone Number'-

 

Payments can be taken over the telephone by debit or credit card

 

Yours sincerely

 

(Signed)

(Name)

Collections Manager

 

I know this is a long post, but please do read it through. I need help. I don't want them coming here. That is something I don't need in my life at this moment in time.

 

Please could someone list all the options for me.. that would be of a massive help.

 

Many thanks.

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Ok first off dont panic..you have come to the right place. Secondly can you give us more details of what the original debt is for. This will help us to post the correct response.

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How old is the debt ? Red are well known for chasing statute barred debts....if it is over 6 years since you last made a payment or acknowledged this then it will be statute barred....


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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Ok first off dont panic..you have come to the right place. Secondly can you give us more details of what the original debt is for. This will help us to post the correct response.

 

Ok, thanks.

 

Erm, If i remember rightly, I think I paid an O2 bill, but something happened and I got charged. So I said to them that I will switch off the phone and not use it again.. asking them to cancel the contract.

 

Obviously they have not cancelled it therefore I am in debt with them.

 

I know I should of looked into it all,. but I was young at the time.

 

To what I can remember this was in 2005? but i'm not 100% sure.

 

Is there any other information you guys need?

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http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

 

start by sending them that.

 

recorded,print name do not sign.

 

see what they come back with.

 

SAM: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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http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-

 

pop a copy of that in with prove it letter if you want.

 

but they do not have licenced field agents:D

 

general empty BS claim from the losers.

 

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, do I do this is writing? or will a printout be good enough?

 

(lazy I know.. hah)

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printouts fine.

but DO NOT SIGN

 

if any one turns up at your door, tell them to do one - if they don't, phone the police and have them removed as you would any other unwanted "visitor"


Carpe Jugulum

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