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lowell chasing o2 debt from 2007 please help


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hi ,

 

3 weeks ago i received a letter from red and lowell saying i owed them 399.20 from an o2 debt i am alleged to to have had,

 

i told them i knew nothing about this and to provide me with all the relative documentation in regards to this.

 

today i have received a letter from them saying i still owe this money and a computer print out of something

 

i can not make head or tail of ,there is nothing with my bank details on or anything like an agreement just this print out .

 

i have attached it for it to be viewed.

 

thankyou in advance for anyone who can help in regards to this issue

lowell.jpg

Edited by dazzaman12
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Hi,

My thoughts. Did you have an account with O2?

Was it terminated?

Did you owe anything upon termination?

 

That screenshot means absolutely nothing. They could quite easily stick my details on it.

 

If you rang them, don't do it again. All communication in writing and by recorded delivery

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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You could send a SAR to O2 which would cost you £10 but should get you all the documentation that O2 hold on you.

 

This would or should show the actual debt with no 'charges' etc. added and show when you last paid and how the alleged debt arose.

 

If you go down that route, they (O2) have 40 days in which to supply the documentation, and you could send Lowell/Red the 'in dispute' letter.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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hi, i didnt have a contract with them im on pay as you go i cant understand why its taken 3yrs for this alleged debt to surface as i have lived in same address for 12 years

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thanks Harrassed Senior

 

when i spoke to lowell disputing this issue they said they were contacting o2 to get all documentation

and provide me with the proof ,and as you can see this is what they have come up with

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Lowlifes proper chancers, I wouldn't waste my time contacting them, not only can they not read or write they spend all of their time on conumer websites trying to learn consumer law......**BB waves to guests**

 

It's amazing, all you have to do is put Lowell as your heading, and it attracts more guests than registered users..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I don't think Lowells are very busy at the moment, so they have to come on here to pass away the time. :p

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I would ignore them from now on. They are phishing for some mug with the same name as the debtor.

 

The only time to reply is if they try to take you to court.

 

Check your credit file just in case they have been stupid enough to mark your file wrongly

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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hi everyone and thank for replies ,im posting the letter i recieved from them as i have just noticed it says that nil balance is shown on statement as o2 removed account from their system.

all advice is welcome thanks

003.jpg

Edited by dazzaman12
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Hi dazzaman

Can I suggest you remove the letter in the post above and repost with the ref number removed . . don't want any one to be able to link your thread in ;)

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Tut tut, lowlifes fabricating mobile phone debts again!

 

If you've not had a contract with O2, less for PAYG, then ignore these idiots, I would be more than happy to get some of their deforestation through my letterbox, I'd certainly will them to put me in front of a DJ so I could counter sue for damages, they really are the laughing stock of the DCA world.

 

Ensure you keep a diary of events, keep all their pre school letters & envelopes, and each time they make contact with you, make a new complaint about them to the OFT/TS via Consumer Direct - Contact us

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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thanks everyone ,so am i right in thinking that as they have said in the letter i have posted here (o2 have deleted the account from their system )that this lowell company have made it all up and harrasing me for no reason?

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before a debt is sold, O2 would have set the account to zero. This doesn't mean the debt has been written off, it just means that O2 have cleared it from their books so they can get tax relief on it. Then they flogged it.

 

All the Leeds Losers are doing is finding lots of people with the same name and sending multiple letters in the hope someone bites.

 

Keep any letters they send (and envelopes) just in case they try to get legal with you.

 

You could ignore it or you could WRITE and tell them they have the wrong person

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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You could ignore it or you could WRITE and tell them they have the wrong person

 

But where would the fun be in telling them that they have the wrong person SF??;)

 

String them on for as long as possible I say, the more time they spend chasing an educated CAGger the less time they have chasing and intimidating someone less fortunate...

 

It's quite clear to me, if you have never had a contract phone with O2, and only PAYG, then there is no way you can have racked up this bill, they clearly do have the wrong person, and contacting them even in writing, only encourages the little darlings..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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hi guys ,just to keep you posted

 

heard nothing from lowells yet i do have a question though .

 

if o2 have deleted this alleged account im supposed to have ,

wont it be a waste of time sending £10 for all the info and agreement they are supposed to have

and if so how do i prove its nothing to do with me,

 

because if the so called break down lowells sent me (the one i posted on here)

 

is all they can manage to sum up from o2 i dont see how or why they can proceed in pestering me

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O2 would have to keep details of the account for about 6 years after the closing of the account however, if it isn't your debt, they won't release information to you as they have to abide with the Data Protection Act.

 

I would just stick with the prove it letter or just telling the idiots that they have the wrong person

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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thanks for all your help everybody ,you guys and this site have been brilliant i will be telling everyone i know where to come from now on if ever they get hassled by incompitant companies.

my partner just wanted me to pay them she said companies like these (DCA) dont make mistakes so im glad you guys are here to give advice

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DCA's are incredibly incompetent and should be in the dictionary under the word 'incompetent'.

 

They like to believe they have some sort of superior knowledge or intelligence others don't have, which is why they talk to people like they do, with that air of superiority and know-it-all attitude, when in fact all they really know can be written on the back of a stamp.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

hi everyone,recieved a letter this morning saying i have been offered numerous opportunities to resolve this alleged debt and they are giving me another 5 days to pay up.

they still havnt proved the debt is mine other than the paper i posted on here and as you say it could be anyones there is no hard evidence on it .

is there any letter i can send them as its begining to get on my nerves now all this pestering ,why cant they understand i havnt had a contract with o2

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another thing that i also find funny is ,how they always state you must reply within 5,7,14 days of the date on letter and it always takes a week to arrive .

the one i recieved today has the 5.08.10 date on and today is the 9th so if i have 5 days in which to pay up then that means tomorrow is D DAY

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Ruddy Chancers :p These letters are by design intended to intimidate.

Time to report them to consumer direct.

 

http://www.consumerdirect.gov.uk/contact

 

You have asked them a perfectly valid question and they are still chasing so let Trading Standards have a go.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 2 months later...

hello again all,

 

just to let you know i have had a phone call from lowell today,

i havnt heard from them since june.

 

i told them yet again i do not recognise the alleged mobile contract debt

and they said they would pass it on to their fraud department.

 

maybe it will finally get sorted out ,

 

or maybe they are telling me lies and dont have a fraud department

 

and was hoping i would just pay up to stop them ringing.

 

if its taken them 3 months to ring me again obviously they dont have anything concrete to hound me with.

 

am i right in thinking this

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see my thread above http://www.consumeractiongroup.co.uk/forum/showthread.php?257574-Red-debt-collection-lowell-portfolio..../page3 after going through equifax, finnaly got these guys to admit they had no paperwork on the debt i supposedly owed with 3 mobile from years ago and they are now asking equifax to delete the aggreement and default

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