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Lowell Doorstep Visit -old SD cat debt

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Having read these forums and found them to be very informative we today recieved a visit from a representative of Lowell Portfolio. He mentioned the debt passed on to them by Shop Direct showed a figure and asked for full payment or set up an arrangement.

We refused both saying i wanted to see the paperwork for the original debt from Shop Direct before agreeing anything. The man then asked my wife, it is her debt, to sign a form saying she refused to make arrangements.

We said we are not signing anything, he said ok, wished us luck etc then went on his way.

How do we now stand with this debt?..i am awaiting a credit report to see how old this debt is, we cannot afford to pay anything at the moment as like most people we are struggling to make ends meet.

The debt is not a massive amount, just over £1000 (i presume this includes any interest).

Thanks in advance for any advice you can give.

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If Lowell have never written to you with full details of this debt, then they have broken OFT rules by sending someone to your door. Companies are not allowed to just turn up and ask for money.

 

Report them to OFT/Trading Standards by contacting Consumer Direct.

 

Consumer Direct


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Thanks.

All we recieved from Lowell is a letter stating the amount owed and who from, that is it, nothing else.

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Report them via Consumer Direct.

 

Debt companies are not allowed to just send these demands. They really should have sent a Shop Direct statement of account showing the outstanding balance.


We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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I will , thankyou. Just annoyed that they came to my house and started trying to get my wife to agree things, glad i was there.

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I find this surprising as, Lowell are not licensed to Canvas of trade premises!

 

Application / Licence Details

Licence Number:0528607Licence Status:Current

Current Applicant / Licensee:

Business Name Company Registration Number

Lowell Financial Ltd 4558936

 

Categories:

Consumer credit

Consumer hire

Credit brokerage

Credit reference agency

Debt adjusting/counselling

Debt collecting

 

Right To Canvass Off Trade Premises:No

Trading Name(s) (Current):

Hamptons Legal

iDebt Financial Solutions

Look4Ward Finance

Lowell Group

Red Debt Collection Services

 

Issued Date: 19-Dec-2002 Expiry Date: 18-Dec-2012

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

Andrew Bartle

Chris Saies

James Cornell

Joyce Newman

Phillip Screeton

 

Historic Individuals that run the organisation:

Name Position

Andrew Paul Bartle OFFICER

Christopher Saled OFFICER

James Colnell OFFICER

Tracey Helen Bartle OFFICER

 

Nature of Business:

Debt Collection

Other

 

Current Address(es):

Address Type Address

Correspondence Enterprise House, 1, Apex View, LEEDS, LS11 9BH, United Kingdom

Principal Place Of Business Enterprise House, 1, Apex View, LEEDS, LS11 9BH, United Kingdom

Registered Office Enterprise House, 1, Apex View, LEEDS, LS11 9BH, United Kingdom

 

Historic Address(es):

Address Type Address

Principal Place Of Business Enterprise House 1, Apex View, Leeds, LS11 9BH

Principal Place Of Business Protection House 83, Bradford Road, Stanningley, Leeds, West Yorkshire, LS28 6AT

Registered Office Enterprise House 1, Apex View, Leeds, LS11 9BH

Registered Office Suite 1, 5th Floor, Acre House, Sale, Manchester, M33 7WZ[End Quote]

  • Haha 1

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So Cat, does this mean that if anyone ever gets a letter or phone call from Lowell stating that they will arrange for a doorstep collection, then they can complain immeditely to any and all official bodies for breach of licence?

 

Or is there a certain wording that a DCA can use to get around this?

 

Thanks for the info.


Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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Lowell Portfolio, are licensed to canvas of trade premises. However, as the debt buyer it would be unusual for them to get involved. The collection on purchased toxic debt is normally passed on to Lowell Financial and other trading names within the Lowell Group e.g. Hamptons, Red etc.

 

Of course, they could use Muck Hall, Mertiforce or, other field agents.

 

Drees5761, I note that you have been a member since November 2009, but have not posted until now?

Edited by angry cat
spelling

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Thanks Cat.


Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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Yes, since last year i have been reading all the posts with regards debt collection agencies etc and trying to understand how i stood with the debts we have since being made redundant.

This forum has been great for finding information that not many people know about.

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Who was the party that was representing Lowell Portfolio1;

what was the name of the company?

 

If, Lowell Portfolio purchased a debt from Shop Direct, then Lowell Portfolio 1, should have advised you of such. Prior, to sending a Doorstep collector.

 

Report them to the OFT!

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OFT:

 

Debt collection visits

2.11 Those visiting debtors must not act in an unclear or threatening manner.

2.12 Examples of unfair practices are:

a. not making the purpose of any proposed visit clear, for example, merely

stating that collectors or field agents will call is not sufficient

b. visiting a debtor when it is known they are vulnerable, for example, when

a doctor's certificate has been provided stating that the debtor is ill

c. continuing with a visit when it becomes apparent that the debtor is

distressed or otherwise vulnerable, for example, it becomes apparent that

the debtor has mental health problems

d. entering a property uninvited

e. not leaving a property when asked to

f. visiting or threatening to visit debtors without prior agreement when the

debt is deadlocked or disputed

g. not giving adequate notice of the time and date of a visit

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calling at a debtors house in respect of an unpaid debt either to them or someone they represent is not classed as "canvassing off trade premises"

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calling at a debtors house in respect of an unpaid debt either to them or someone they represent is not classed as "canvassing off trade premises"

 

Quote from the OFT Public Register:

 

"Right to canvass of trade premises: NO"

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........................

Edited by angry cat

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Who was the party that was representing Lowell Portfolio1;

what was the name of the company?

 

If, Lowell Portfolio purchased a debt from Shop Direct, then Lowell Portfolio 1, should have advised you of such. Prior, to sending a Doorstep collector.

 

Report them to the OFT!

 

 

And it was ??????????


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Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Strangely enough, I know of one DCA who visited a neighbour of mine. This neighbour didn't owe anything to anyone; they'd got the wrong address. The doorstep caller was really rude. This, as he was to find out was a mistake. My neighbour indulges in quite a lot of boxing, which shall we say, is the kind without gloves. The doorstep caller has now found a different occupation after his stay in hospital, and the local police put it down to my neighbour using reasonable force to protect his property and family (after all, he only hit him once)


I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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He only said he was from Lowell that was it, i asked my wife what id he showed and she cannot remember.

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Have you sent off a CCA request yet to see if they have the right to enforce this debt?

If not, do so now...:)


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

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He only said he was from Lowell that was it, i asked my wife what id he showed and she cannot remember.

 

In any case, unless a company ID can be confirmed by some other recognised form of ID such as a passport, it's meaningless. False ID cards are regularly used in the commission of the crime of burglary artifice.

 

The Met Police say:

 

Some people are victims of bogus callers who obtain entry to premises in order to steal - this crime is called burglary artifice or distraction burglary. If you have any doubts about a caller, refuse entry and call 999, even if a caller has shown an Identity Card.

 

 

Bogus callers will:

  • Call unannounced
  • They will not generally have any type of uniform or arrive in any official van
  • They will not be willing for you to study their identity (if they have any)
  • Will try and make you feel under pressure

What you should do:

As soon as there is a knock on the door STOP and THINK. Who is it? Am I expecting them?

 

Do not let them in unless you are 100% sure they are who they say they are. IF IN DOUBT, KEEP THEM OUT!!!

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In reply to the above, I would say DON'T LET THEM IN AT ALL!! Even if they show you proof of who they are.

 

I am currently wondering if a certain DCA is going to be turning up on my doorstep. They might, they might not, and as it isn't me they are looking for they can go away again. However, even with proof of who they are, there is no way I am letting them into my home, especially with children about.

 

If anyone owns a nice, big dog that I can borrow, please let me know :D

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Post removed.

Edited by zazen.warrior

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I had the letter prepared and the speech, but on the one occasion when one of these slime balls actually appeared at my front door I just looked him in the eye and said 'If you don't leave right now I'm calling the police.'

 

 

:D:D:D I hope that I can do something similar if they come round here. I keep going over things in my head about what I should say, but maybe the short and simple approach is the best. I certainly don't think it's worth engaging them in a converstation.

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Thing is they try and catch you out..eg you're just as likely to get a smiley young woman saying "Hi is that Elsa?"

as a gorilla grunting "are you Ms Elsa Undercover?"

 

So, anyone you dont know, standard reply: "Let me stop you right there! You are on my property - I ask the questions...who are you?"

Then, if its a DCA, you can tell them to leave in your chosen manner ;)

 

I did this a few months ago, turned out it was the Conservative MP canvassing! :D


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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Quote from the OFT Public Register:

 

"Right to canvass of trade premises: NO"

 

this refers to canvassing their "products" off trade premises and not to debt collection

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