Letter from Lowell Financial

[RoyalIrish]

My view is that this is a very positive step by Lowell. Perhaps as a company they have decided they need to be more accountable to people that have genuine issues of concern. Do you want them to retreat back into their ivory towers and just ignore any gripes people post on forums?

 

My suggestion is that if you have had a problem with Lowell, is to use this help and see where it goes. Perhaps Lowells will accept sometimes that they do make mistakes and show willingness to learn from these.

 

Maybe you should re-read some of the posts regarding the misery and suffering that this vermin have caused!

 

How on earth can you be so naive?

 

A single post appears from a renowned despicable organisation and you are fooled by it?

 

Have you ever actually dealt with Lowell's?

Edited July 2, 2010 by RoyalIrish

[Pinky69]

I doubt it very much and if CAG is going to host DCAS, the very people whose bullying, aggression and threats to terrify - it was a DCA which drove Beryl Bainbridge to suicide - have led people here looking for help, then I am off. It leaves vulnerable posters open to underhanded tactics to get money from them - the very people they came here to escape - and defeats the whole purpose of CAG.

[little_evo]

I can't agree more Pinky.

 

Sadly i had the misfortune of dealing with Lowells before i found CAG over an alleged T-Mobile bill.

T-Mobile was not interested so had to deal with Lowell direct, the threat letters, the numerous phone calls and the eventual payment of £110 to them which was borrowed from a relative due to threats of home visits etc etc.

 

I can still remember sitting on the stairs after taking the children to school with head in hands wondering what to do next.

 

CAG (In my opinion) is for people who need help and guidance with debt issues, not for DCA's to come on and pretend they are all hearing and understanding individual companies trying to resolve issues peacefully and perhaps lawfully.

[unclebulgaria67]

Maybe you should re-read some of the posts regarding the misery and suffering that this vermin have caused!

 

Yes I know about these posts. I have been following issues about Lowell, since I had issues with them a few years back.

 

But, I believe in giving them a chance to redeem themselves. How will these companies learn from their mistakes, if people are not willing to challenge them, when they have been given the opportunity. Up to now Lowell have sat behind their desks in Leeds and have just continued in a bl**dyminded way, to harass people to try to gain settlement of accounts. The debt collection industry is in a real mess and they have obviously realised, that they need to adopt a different approach. To a certain extent this has been forced on them by the Courts, regulators and the Government.

 

If you want a wider discussion regarding the debt industry. My belief is that there needs to be much stronger regulation and a very strict code of conduct that the DCA's have to comply with. If they fail to meet the code of conduct, they should not be able to hide behind the OFT's wall of silence, but should be subject to sanctions, including significant fines. For too long now DCA's have been able to operate within a very weak regulatory framework.

[RoyalIrish]

A single solitary posting on a thread from an obviously vunerable, desperate and suggestible lady ready to give birth is NOT 'redeeming themselves'.

 

It is a blatent attempt to get moomoo64 to telephone them, THAT IS ALL!

 

It is a blatent attempt to get a 'foot in the door' of a place that is damaging their profits because it is informing people, like moomoo64, that it is unlawful to get treated like filth from companys like Lowells - THAT IS ALL!

 

For goodness sakes, please try and see it for what it is!

 

The debt collection industry isn't my concern, my concern is that these scumbags have lied, cheated and harrassed me into paying debts that they were knowingly NOT entitled to!

 

Why do you imagine that Lowells purchase Statute Barred debt when they know full well that they would never be able to collect IF they were to follow regulations?

 

Are we going to see Mackenzie Hall appearing next with a freephone helpline?

 

I'm actually gobsmacked at your attitude, really!

Edited July 2, 2010 by RoyalIrish

[Pinky69]

Oh, they have just realised it now that they are going down the tubes? Why didn't they realise it before? Where did this new-found concern for humanity come from? From dropping profits, that's where. If they were doing well they wouldn't be anywhere near here slithering in to speak to the people whom last week they bullied and abused and for exactly the same end - to wring money they are not entitled to out of people they have already terrified. Wake up and smell the coffee and see this for what it is. I cannot be a hypocrite and watch this happening to people I have tried to protect from these cretins. This is not Lee Vodafone trying to help with a phone bill or the useless Colin at Scottish Power trying to help and doing nothing - this is DCAs coming in to manipulate posters and it is is happening before our very eyes.

[mrdebts]

I have nothing against DCA's posting on consumer forums like this one.

But when they are asking people to ring them up then i think that should not be allowed on here.

Everyone knows what DCA's are like on the phone & how they will simply try to bully or intimidate a payment out of you.

[Halibutt]

Should this discussion be moved to a separate thread? After all, this was a request from Moomoo42 for help and her original concerns have been rather shunted aside by discussion about one post from Lowell - I'm as guilty as everyone else.

 

Shall we get back to helping the OP?

[Pinky69]

Our apologies Moomoo. Send the Leeds Losers this:

 

Dear Sir/Madam

 

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

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are 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/we 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.

 

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

 

I/we 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.

 

I/we look forward to your reply.

 

Yours faithfully

 

 

and this:

 

 

CC. Office of Fair Trading. (by email)

Dear Sirs.

I refer to your letter dated May 2010 . The contents of which are noted.

 

You have contacted me regarding the ###### 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.

 

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.

 

In the event that you intend arrange a Doorstep call by your Employees or your Agents, please be advised that under OFT Rules, you can only visit me at my home if you make an appointment and I have absolutely no wish to make an appointment with you. There is no need, as written communication is quite acceptable in Law.

 

Please note, there is only an implied license under Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore, take note that I revoke license under Common Law for your Employees, or your Agents or your Representatives to visit me at my property and, if you do so, then you will be liable to Damages for a Tort of Trespass and Civil Action will be taken. The Police will also be called."

 

and send them to their Complaints Department or they will just ignore them. If anyone does come to the door, tell them they have 30 seconds to get off your property or you will call the police. Don't speak to them on the phone - ever - and ignore anyone who comes on this site representing the company. They are bad news.

[phil_nottingham]

I agree with the above.

 

However i shall have my two'penath.

 

If lowells were so concerned then they wouldnt send out letters in the first place when they have no right to collect on the debt (SB etc) or they make threatening phone calls intimidating people, sending out frivilous Stat demands.

 

If Lowells really do want to help they should explain why they have treated people so badly, and how they will go about rectifying thier mistakes and how they wont do it again.

 

If they dont then we can assume that the post by "james" is nothing more then a PR excercise and people shouldnt be so silly as to believe them.

 

However i would like to be proved wrong(but leopards dont change thier spots do they!!)

[Pinky69]

Lowells don't want to help us. They want to help themselves. They lost £15 million last year.

[phil_nottingham]

Lowells don't want to help us. They want to help themselves. They lost £15 million last year.

 

To true.

 

 

And until they can prove themselves then they should treated with the contempt they deserve.

[lickthewallfatboy]

I can tell you that from my point of view,if policy here has changed to allow these leeches to post their crap on the forums,I will be offski

 

Instead of engaging in a joint PR initiiative designed to help their image and bottom line,I am of the firm belief that every last DCA should be put to the sword

 

What are you guys on,even thinking for more than a nanosecond that this was a good idea

 

You've opened the door to the DCA Trojan horse,and it will divide this place and render it useless

 

Which of course is the idea from the get go

[Pinky69]

I will be joining you fatboy. I won't be a member of a site that allows DCAs to exploit posters.

[mrdebts]

People should not let their dislike for DCA's cloud things.

I hate them as much as the everyone else, but so long as they are not just saying "ring us on this number and we'll look into the matter" (which is all they seem to do so far) then i've nothing against them posting on here personally.

[Pinky69]

I don't dislike them - I hate them for all their evil. And my hatred for them doesn't cloud things. I am perfectly clear that I want each and every one of them to come to a very sticky end. Have you been threatened to have your children taken away from you because you couldn't pay a debt Mrs Debts? Thought not - and there are thousands and thousands of examples of pure evil just like that.

[lickthewallfatboy]

@mrdebts

 

you're not here long enough to have the experience to comment,to be honest....

Edited July 3, 2010 by lickthewallfatboy

[spamheed]

Just for the record, DCAs don't act on complaints unless forced to do so, or unless the complainant has a set in stone argument with enough evidence to sink a battleship.

 

These people have not suddenly changed into Customer Care, they are not Customer Assistance, they are and have always been debt collectors, people who lie, threaten and harrass for a living. They deserve all of the contempt they are given and believe all of the cr@p that their employers spout about helping the economy by threatening the vulnerable and weak.

 

One post on this or any other forum is not going to change any of this

[lickthewallfatboy]

I will be joining you fatboy. I won't be a member of a site that allows DCAs to exploit posters.

 

 

I can't believe that they are being thrown a "cloak of respectability" after all their low deeds and when they are now in real trouble.......

[RoyalIrish]

People should not let their dislike for DCA's cloud things.

I hate them as much as the everyone else, but so long as they are not just saying "ring us on this number and we'll look into the matter" (which is all they seem to do so far) then i've nothing against them posting on here personally.

 

What DCA do you work for then?

 

I think it's VERY important chaps to remain focused and not to become divided by Lowell's attempt to infiltrate the forum.

 

I personally have no doubts that it has just been a pathetic transparent attempt to cause a 'rift' between members.

 

The member of the site team mentioned that he had been contacted by the Lowell's poster regarding our previous comments.

 

The site administration has been contacted by the poster concerned, and I can confirm that the post by Lowell CRT is generated by Lowell's Claims Resolution department.

 

 

If the post from Lowell's had of been a sincere offer to help then I very much doubt that it would have been 'pasted' into a thread for all to see, more likely a PM to moomoo64 would have been appropriate.

 

It was placed there to cause a reaction, nothing more.

 

We all know what Lowell's are!

 

No pathetic 'copy 'n paste' offer to help is going to convince us otherwise.

 

If some are 'taken in' by it then more fool them.

Edited July 3, 2010 by RoyalIrish

[mrdebts]

@mrdebts

 

you're not here long enough to have the experience to comment,to be honest....

 

Ive been on many forums like this over the years & im more than experienced to comment thank you very much.

If you read what i said - i said that i hate them as much as everyone else does, but so long as they are not trying to get people to phone them up (which is what they have been doing so far) then im all in favour of reading their posts quite frankly.

I do not work for a DCA or have any connection with the industry whatsoever.

Just giving my opinion if thats allowed?

[RoyalIrish]

Ive been on many forums like this over the years & im more than experienced to comment thank you very much.

If you read what i said - i said that i hate them as much as everyone else does, but so long as they are not trying to get people to phone them up (which is what they have been doing so far) then im all in favour of reading their posts quite frankly.

I do not work for a DCA or have any connection with the industry whatsoever.

Just giving my opinion if thats allowed?

 

Did you actually read their post?

 

Hi moomoo42

I have just seen your post and am sorry you are you are feeling stressed by our letters. Please give our Complaints Resolution Team a call today, we will be able to look into this for you and get to the bottom of the issue. You can reach us on: 0800 542 0058 or drop us an email at ComplaintsResolution@Lowe llGroup.co.uk

 

I hope to hear from you shortly.

 

James.

 

How's life in Leeds?

[mrdebts]

Did you actually read their post?

 

There was a post made by LowellsCRT?? - cant recall if it was on this thread or on another one?, were they made a post in response to someone & then stated at the end to contact them on the number stated so the matter can be sorted out.

People should be encouraged NOT to phone DCA's.

So like i said - so long as they are not wanting people to ring them up then im all in favour of reading their posts.

[RoyalIrish]

LOL!

 

I just noticed -

 

Hi moomoo42

I have just seen your post and am sorry you are you are feeling stressed by our letters.

 

Are these the same letters that are deliberately designed to cause stress and anxiety otherwise known by us as 'threatograms'?

 

Sorry?

Yeah, right!

It's pathetic and total nonsense!

[lickthewallfatboy]

Ive been on many forums like this over the years & im more than experienced to comment thank you very much.

 

guess what-I've been eating food for ,oh,46 years now

 

does that make me a professional food critic?

 

nah-don't think so:lol: