Lowell Group after me for debt from back in 2007 !!

[count orlok]

Tell them a relative is prepared to give you a set amount of money to pay off your debts, you have divided it up on a pro-rata basis and that is their share. This is one off chance, if they do not want it you will use it to pay off your other creditors and you'll pay them off over the next 500 years.

[Tingy]

I would be inclined to tell them that you have several creditors and had made pro rata offers to all. Tell them that those that accept will get the money offered, and those that don't will get a figure worked out pro rata from your Income / Expenditure sheet. You are trying to be fair and equitable to all your creditors.

[247orbital]

If they refuse again offer them £1 a month and tell them the other creditors will get a larger share of the loan from a relative.

[Mady]

Hello everyone,

 

I am in bit of situation here as i have a debt going back 5 years ago

 

my account was defaulted in Dec 2007 with T-mobile in Nov 2010

they sold it to Lowell

then Lowell been chasing me ever since

 

i offered them full & final offer which they declined it

 

my debt is totalling £1350 and offered them up to half that amount then stopped responding to them....

 

today i received letter from Fredrickson debt collectors telling me

they been appointed by Lowell to recover the debt and i shouldn’t contact Lowell anymore!!

 

Do they give people visits?

Can I make them offer?

as from my understanding of this letter is that they want the whole amount un-negotiable!!!

Are they tougher then Lowell (i mean next level of getting warrants and get into the house?)

 

 

Many thanks

[dx100uk]

no DCA has anymore or less power than the next because

 

THEY HAVE NO LEGAL POWERS ANYWAY......

 

does this debt show on your CRA file?

 

dx

[Mady]

yes it does been defaulted since Dec 2007

[dx100uk]

ok

i would have thought that if TM wanted the money

they would have done court years ago

 

its obv its mostly penalty charges?

 

pers i'd ignore them

 

if the OC won't do court

they won't either

 

who's name is against the debt as owner

 

dx

[Mady]

ok its T-mobile's but they sold it to Lowell then Lowell appointed Freds to follow me... whats OC & TM ???

[dx100uk]

oc is original creditor

 

tm is t mobile

 

who name is against the debt on the cra file?

thats the only one that can do anything

but as di said

very very few mobile debts get anywhere near court

and those that do

rarely get resulted.

 

you are just on a phishing list

 

dx

[Mady]

cheers thank you ... i want to get rid of them though ... do they ever accept F & F settelment?? i sent them about 10 and went up to £690!! but still declined it.

[dx100uk]

pers i'd never f&f a dca on a mobile debt

 

i'd sar TM

lets get the true history

knock off any penalty charges

 

then make an F&F of about 25% of that figure.

 

dx

[Mady]

pers i'd never f&f a dca on a mobile debt

 

i'd sar TM

lets get the true history

knock off any penalty charges

 

then make an F&F of about 25% of that figure.

 

dx

 

well i did get the SAR about 1 year ago and the bal was like £1090 (which is correct ) + cancelation charge which was for the remaining months of the contract £240... [according to t-mobile]

 

Today i recieved a LETTER BEFORE ACTION from FREDS which tells me the next stage is i will be taken to court and might issue CCJ against me and added £145 extra court & solicitors fee.

 

I dont know what to do !!! it wasnt even me who run up this big bill!! its my old friend which i trusted and he done me over with this bill!!

 

what should i do? please help

 

ps: I am working and on 21k can they take money off my wages? and would they know i am on 21k ? can they contact HMRC??

[Cadbury1879]

Hi Mady,

Just my opinion here, I doubt very much that this company will proceed to court action, dispute there claim.

I would not panic about this, NO they cannot take money out of wages.( except if you default on CCJ and then only after a myriad of applications, NO were near that stage yet.

Inform HMRC NO!!! . In the scheme of things the amount owed is tiny, your letters are a batch of millions.

Send a prove it letter, Templates are available. Check they are suitable for phone debts, different I believe from consumer regulated debts, credit cards etc.

Best of Luck

Cad

[BASFORDLAD2]

They won't take you to court. It's all huff and no puff.

[Mady]

They won't take you to court. It's all huff and no puff.

 

I hope so!

[Mady]

Hi Mady,

Just my opinion here, I doubt very much that this company will proceed to court action, dispute there claim.

I would not panic about this, NO they cannot take money out of wages.( except if you default on CCJ and then only after a myriad of applications, NO were near that stage yet.

Inform HMRC NO!!! . In the scheme of things the amount owed is tiny, your letters are a batch of millions.

Send a prove it letter, Templates are available. Check they are suitable for phone debts, different I believe from consumer regulated debts, credit cards etc.

Best of Luck

Cad

I want to get rid of this headache do they ever accept f&f offer?

[dx100uk]

ignore them

 

dx

[Cadbury1879]

I want to get rid of this headache do they ever accept f&f offer?

 

I'm sure they will accept a F&F, I have had a similar letter for a alleged phone debt, the balance was smaller.

I did what DX advises and ignored it, no corroborating documents, statements etc. I have heard nothing since.

In the end it's up to you, I wouldn't be rushing or panicking about this though. Take as much, advice as possible and take the route to that suits you.These letters are generic mail sent out in there thousands. It's all a % game for the DCA.

Cad

Cad

[BASFORDLAD2]

Don't give these idiots a second thought

[happyphil]

Hi mady

 

I’ve been dealing with fredrickson since last oct/nov on behalf of my partner with regards to a old phone debt and to date they have failed to provide me with any proof the debt exists and if they are the true assigned agency to collect the debt.

 

I’ve had the letter before action letter and then the day after I had the apology letter saying sorry for the letter before action letter, but its to late as they messed up by sending that out whilst the debt is in dispute. I’ve not heard a peep from them since January after I sent all copies of letters to the OFT, Financial Ombudsman service and the ICO and asking all 3 to look into there non-compliance of the

 

OFT’s Guidance on sections 77, 78, 79 of the Consumer Credit Act 1974 - the duty to give information to debtors and the consequences of non-compliance on the enforceability of the agreement.

 

Every time you get a letter from them and they have sent no proof debt exists, or that they have been assigned the debt , just write back to them saying that they are in Non-compliance with the OFT and the that the you have knowledge of the debt and that it is still in dispute until such time as they provide you with the proof.

 

Hit back at them every time, show them that it is you that is in control of the situation. If you have had no proof then complain the Information Commissioners office and the Financial Ombudsman service. Build up a case and then send copies and make a formal complaint. You have a right to know if its a genuine default or them just chasing in the hope that you will eventually be scared enough to pay them.

 

Your not alone and sadly a lot of people fall for the scare tactics of these rogue plonkers who prey on the venerable.

 

Good luck

 

Happy Phil

[Mady]

Hi guys,

 

as some of you might remember my issue with lowell regarding a debt defaulted since Dec 2007 for 1400 pounds for a mobile telephone contract, they have now instructed a new DCA "CCSG" to chase me the debt has just over a year to be statuary barred and they still sending me letters.

 

I am a bit worried about CCSG and if they are any ruthless than Lowell? would they be knocking the door?

 

What can i do? can i request CCA for mobile telephone contract? or just for credit cards?

 

Many thanks

[PGH7447]

cca is no good for a mobile contract

[LostAtSea]

Relax, they have no legal powers, same as lolvells. Just remember to stick to the everything in writing rule and you'll have some different coloured toilet paper

[ims21]

SIX Threads Merged

 

Please just keep to this one thread for this T-Mobile/Lowell Issue

[Bazooka Boo]

Don't even begin to get worried over this.

 

As is perfectly usual with moby debts, they are passed about like pass the parcel, so they all get a bit of money out of the sale of the debt.

 

The fact that it has gone from Lowlifes to this other circus outfit simply means they know they're not going to get any money from you.