Philips/lowell Financial problems

[richardford1976]

Hi All,

 

 

Im in quite a predicament at the moment and hoping someone can assist. I lost a bag back in 2004 which had a provisional driving license in from my old address. Consequently somebody used this to open up 2 mobile phone contracts in my name with Orange and T-mobile. I had previously been in dialogue with Lowell about this issue and eventually they buckled when i refused to pay, Although this was after about 6 months of phone calls. Anyway at the time i asked for confirmation that the debt had been written off, Although this had never been received.

 

Now 12 months later i have Philips chasing me for the same 2 debts, I tried speaking to the police about this issue but were not much help, Insisting this was a civil issue between the Phone shop and phone company and wouldnt open a crime reference no. Philips seem to be more aggressive in the chase for this debt but i really dont know which way to turn, I tried the police previously but didnt get anyway. Is there anyway i can turn this back on Philips at all.

 

Thanks in advance

Richard

[angry cat]

This is a breach of the OFT Guidelines on Debt Collection:

 

4 Debt collection guidance July 2003 (updated December 2006)

 

Office of Fair Trading 5

 

Physical/psychological harassment

 

2.5 Putting pressure on debtors or third parties is considered to be oppressive.

 

2.6 Examples of unfair practices are as follows:

 

a. contacting debtors at unreasonable times and at unreasonable intervals

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

c. using more than one debt collection business at the same time

resulting in repetitive and/or frequent contact by different parties

d. not ensuring that an adequate history of the debt is passed on as

appropriate resulting in repetitive and/or frequent contact by different

parties

e. not informing the debtor when their case has been passed on to a

different debt collector

f. pressurising debtors to pay in full, in unreasonably large instalments,

or to increase payments when they are unable to do so

g. making threatening statements or gestures or taking actions which

suggest harm to debtors

h. ignoring and/or disregarding claims that debts have been settled or are

disputed and continuing to make unjustified demands for payment

i. disclosing or threatening to disclose debt details to third parties unless

legally entitled to do so

j. acting in a way likely to be publicly embarrassing to the debtor either

deliberately or through lack of care, for example, by not putting

correspondence in a sealed envelope and putting it through a letterbox,

thereby running the risk that it could be read by third parties."

 

Telephone Consumer Direct (the consumer arm of the OFT) they will put you in touch with your local Trading Standards, who will assist.

[richardford1976]

Thanks for the reply. Is it worth me sending a letter at all? I will give the consumer group a call tho to see what they suggest. Much appreciated.

[dx100uk]

there is little they can do to you

regardless to the background.

 

STOP phoning these leechers!!!!!!!!

 

ignore them totally it will go away.

 

there is NOTHING they can do to you

 

they are a DCA they have NO LEGAL POWERS

 

what you have is a phishing letter, you are on a phishing list

 

 

ignore them!

 

dx

[jobmid]

if it was 2004 then it might also be over 6 years so even if the debt was not yours it may be statue barred if it is they no longer have a legal right to collect this debt

[richardford1976]

Hi There,

 

Ok what i have done so far,Spoke to Consumer direct and they pretty much stopped me in my tracks, They advised i should be speaking to Cifas and that consumer direct couldnt help and didnt really give much of a reasion, Called thro to CIFAS and they basically pointed me in the direction of the respective mobile phone companys fraud departments, I have tried the Orange fraud dept in the past. Problem i have with the phone companies is i dont have the account no's/mobile no's for these contracts. any help is appreciated. Thanks.

[dx100uk]

so if you have no info

neither do they

 

as you have spotted

it will go quiet until another leecher tries to trick you

even if you did have the info, its been written off by the mobile phone co, yrs ago.

 

you are on a phishing list

 

ignore them

 

and stop chasing your tail

 

its for THEM to prove the debt is yours..

if you cant then they certainly cant either

 

forget all about it and bin any letter you might bget here and there

 

nuff said

 

dx

[paulaiks]

hi

i have just recieved a letter from philips/lowell stating a debt that was due on09/11/2004 for a store card i had

 

i contacted them in 2005 stating i could not pay and 5 years later they have sent me this letter

 

the amount is £1700

 

should i phone them and arrange a payment plan or just ignore the letter??

 

the4y say they are goin to commence legal procedings

 

any help guys

ta

[dx100uk]

hi

i have just recieved a letter from philips/lowell stating a debt that was due on09/11/2004 for a store card i had

 

i contacted them in 2005 stating i could not pay and 5 years later they have sent me this letter

 

the amount is £1700

 

should i phone them and arrange a payment plan or just ignore the letter??

 

the4y say they are goin to commence legal procedings

 

any help guys

ta

 

 

not your thread...........

 

 

ignore them totally

in nov it will be statue barred anyhow.

 

 

pay them? phone them? what planet you from?

 

dx

[paulaiks]

not your thread...........

 

 

ignore them totally

in nov it will be statue barred anyhow.

 

 

pay them? phone them? what planet you from?

 

dx

sory for posting on thread

 

so no action will be taken???

[dx100uk]

no do some reading

use the search in our blue bar above say for lowell

or lowlife as we call them.

 

dx

[paulaiks]

sorry to sound stupid but i cant seee any blue bar???

[dx100uk]

just under cag announcements

 

scroll right up to the top of this page

dx

[cerberusalert]