lowell portfolio.

[kiltedman]

Hi all,

Sorry to bother you guys Again. My mother received this letter this morning from a company called lowell portfolio.

http://i871.photobucket.com/albums/ab276/kiltedman/lowell.jpg

I was wondering if some of you guys could have a quick look and let me know what you thing. She says she knows nothing about this and i know that this is the first time that lowell have been intouch. should i just CCA them and see what comes?

 

Hope you guys can help.

[Pinky69]

I've never read such a load of rubbish - pure tripe! Ignore them - this is not worth a stamp - and file under "Excrement."

[kiltedman]

anybody know how i get this moved so it can be in its own thread

[ODC]

I have asked a mod to start a new thread for you

[cerberusalert]

New thread created

[meandbex]

kiltedman, if it helps i had Lowells pursue me for a few months, i followed the advice off the great great people on here.

 

Lowells suddenly could not obtain the information required and said that no further action would take place unless the OC could provide them with the information.

 

I am now going to tackle getting my defaults removed by lowells.

 

Follow the great advice on here and achieve what i thought could not or would not be possible.

 

good luck

[Guest Cartaphilus]

Truly, I am doing a double take reading that silly worded letter! The gall of these people! What next from DCAs, bidding on your own debt on Ebay?

[Bazooka Boo]

That is fantastic, the kids have been playing with their crayons again!

 

Buy back your debt?? I would frame that letter hang it in the bog to give you a laugh every time you read it. Truly amazing stupidity it's sheer brilliance....and so open to abuse:D

 

Email them and bid a million quid for it, see if they accept...what fools...hilarious fools mind.!

[kiltedman]

maybe they just want my mum to bid so they can say that she acknowledged the debt

[Pinky69]

And maybe they are just idiots dreaming up stupid ploys to get people to pay.

[nembarie]

I wouldn't worry about it - I had the same letter from them a couple of days ago relating to a debt of 10 years ago....they are just desperate fools

 

Hi all,

Sorry to bother you guys Again. My mother received this letter this morning from a company called lowell portfolio.

http://i871.photobucket.com/albums/ab276/kiltedman/lowell.jpg

I was wondering if some of you guys could have a quick look and let me know what you thing. She says she knows nothing about this and i know that this is the first time that lowell have been intouch. should i just CCA them and see what comes?

 

Hope you guys can help.

[sam614]

yet again a new job title for kevin almark and a new desk perhaps. from red collections manager.

[NailPost]

Initially I though the best way to deal with this letter was to file it under ignore.

 

But assuming your mother knows this debt exists, even from way back in time, then it may be worth a bit more effort to tie the Lowell Losers into tight little knots.

 

First of all they must be the owners of the account to put it up for sale. I am certain (lol) they have provided all the right paperwork to proove that they do. If not they should be made to do so - and while they are doing that, under a proper cca request - they should be asked for their complaints procedure.

 

Failing to provide the documents required under the CCA would be reason enough to complain. Making such a complaint they would have eight weeks to respond. Failing to do so, or even failing to provide details of their complaints procedure, would allow you - on your mother's behalf - to take the matter straight to the Financial Ombudsman.

 

I would also alert the OFT to this tactic and ask the fence sitters to consider whether this letter is fair. Copy your MP into that and ak him to ask the same question. The OFT may try to fob you off but they'll find it more difficult to do the same to the politician.

 

Have fun!

[harrassed senior]

I would like to know who else they are offering their 'bids' too, an auction surely must be 'open' to all comers, so are they 'advertising' their list of 'debtors' somewhere. I wonder how the ICO feels about this approach. Does the alleged debt go to the highest bidder, or is this just a one person auction - have they thought this through, seems highly desperate to me.

[unclebulgaria67]

This buy back your debt scheme must only be for those debts that are nearly statute barred. If Lowell could pursue the debts in the normal way through the courts, they would have done so.

 

Also the sentence about considering appointing debt collectors is puzzling. Perhaps Lowells are not debt collectors and are there just to help you !!

 

Could this just to be ruse to get people to admit the debt, by making a payment. If people were stupid enough to do this, what is to stop Lowell not honouring the letter and going for the full amount?

[ODC]

They should put it ebay. They might have more luck. Maybe some kindly Nigerian Bank Official willl offer them $ 2000000.00 Two Million Dollars for it

 

Is it really any wonder they are called the LEEDS LOSERS

[shedder101]

This is the same letter as i had

 

new tack or what

[Pinky69]

I hope someone has sent a copy of it to the OFT.

[kiltedman]

Initially I though the best way to deal with this letter was to file it under ignore.

 

But assuming your mother knows this debt exists, even from way back in time, then it may be worth a bit more effort to tie the Lowell Losers into tight little knots.

 

First of all they must be the owners of the account to put it up for sale. I am certain (lol) they have provided all the right paperwork to proove that they do. If not they should be made to do so - and while they are doing that, under a proper cca request - they should be asked for their complaints procedure.

 

Failing to provide the documents required under the CCA would be reason enough to complain. Making such a complaint they would have eight weeks to respond. Failing to do so, or even failing to provide details of their complaints procedure, would allow you - on your mother's behalf - to take the matter straight to the Financial Ombudsman.

 

I would also alert the OFT to this tactic and ask the fence sitters to consider whether this letter is fair. Copy your MP into that and ak him to ask the same question. The OFT may try to fob you off but they'll find it more difficult to do the same to the politician.

 

Have fun!

no my mother says she knows nothing about this, and this is the first letter she has had off them, so could just ignore and see if they send any other letters then CCA them.

[ODC]

Personally I wouldnt waste a quid on this shower. If your mother does not know anything about this alleged debt then the Leeds Losers MUST prove it actually exists and that she owes it. The onus of proof is with them. Unless and Until they do I would ignore them. They will get bored eventually and sell it to their illegitimate Scottish Cousins from Kilmarnock.

[kiltedman]

Quick update Folks, I filed the first letter under ignore and forgot about it, and now 6 months later my mum received a letter from RED DEBT COLLECTION SERVICES LTD. Saying and i quote

 

" Clear your account for just £10 per month, Red debt collection services understands that every person's financial situation is different and we are committed to helping you to repay your outstanding balance in a way that is affordable to you. Unfortunately, debts do not go away; no matter how much people want them to. However, in order to make it easier for you to settle your debt, we would like to offer you the options set out below: 1) pay £10 per month by direct debit (on the date of your choice by completing the form overleaf) until you have repaid the full outstanding amount. Or 2) clear you balance by making us an offer to pay a lump sum in full and final settlement of your debt.

 

If we do not hear from you within 15 days(from date of the letter), we will pass you account to a specialist debt collection company. when this happens, an agent from the debt collection company will contact you to arrange a mutually convenient time to visit you and discuss your repayment options.

 

We want to agree a repayment arrangement with you without having to take any further action so please call us as soon as possible on 0844 844 4716

 

Our advisors are willing to work with you to agree a payment arrangement that suits you financial situation. Our advisors are waiting to take your call.

 

Signed Kevin Allmark (collections manager)"

 

So after getting this i was planning on sending a CCA request and waiting to see what happens.

Any other course of action that you guys recommend??

[Halibutt]

You could send them the No Doorstep visits letter template. If they're already offering a full and final settlement offer, maybe they don't think they have all the correct information. I think that at this stage, a CCA request wouldn't do any harm. Just my opinion though!

[count orlok]

I was making token payments to a creditor and I got on of those this debt will never go away letters (not sure if it had something to do withh Lowell). So I stoppd my token payments, and wrote back to them saying there is little point in me making any payments to you if the debt is never going away!

[shedder101]

had the same letter recently told them, put up or shut up, basically a letter demanding all the info and having spoken to someone regarding this a statement of charges to deal with the letter should they not provide me with the information. I told them it would be £50 per hour to deal with it, this now its put in writing is what i can charge. last DCA i did it to wrote back and said it was sent back and canceled it of the books, a bit worried i could charge them i think

[nicklea]

So after getting this i was planning on sending a CCA request and waiting to see what happens.

Any other course of action that you guys recommend??

 

I would suggest not doing that. The reason is that in replying to this letter you are acknowledging that they have given you notice of the debt being assigned to them. If you do not do this then this is a defence if it should ever come to court.