lowell portfolio

[gazareth]

hi all

new to the site i have read with interest the numerous posts regarding lowell portfolio as i have been getting random letters from them and red debt collections regarding a debt they bought from lloyds tsb,

recently the letters have turned to phone calls at stupid times of the day and night (most recently 11:15 pm )

 

the only debt i can remember having with lloyds tsb was when i was going through a divorce (2001) this was simply bank charges as i remember

 

any advice on how best to deal with this would be greatly appreciated

 

regards

gaz

[maroondevo52]

Hello and Welcome, gaz.

 

If you don't really have a clue what they are on about send them the 'prove it' letter.....................

 

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

Regards.

 

Scott.

[padja]

well get the phone calls stopped is easy just use this letter template http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

if as you say its from 2001 then its statute barred, however Lowell (red belong to Lowell's) specialise in buying up debts that are due to be statute barred and the try their damnedest to get payment using all sorts of tactics, like threatening to come round and remove all your goods, getting you committed to prison, getting court case against you that will be in local paper, they even said they knew my car reg and would come round at night and remove it (strange that I dont drive or own a car). They work on assumption if 3 or 4 out of 10 pay they cover the ones that dont. If you take your time to look around site you will see several threads about lowells.

[gazareth]

thanks for the replies guys

i have the prove it letter ready to be posted and hope it'll be the last i hear about it . i'll keep you posted

[dx100uk]

really 11:15 at night

 

i'd actually answer the phone and make sure you get them to ID themselves

 

then contact the OFT with the recording!!

 

thats VERY out of order

 

seriously fines for that.

 

pers i'd ignore them

 

elsewise

 

you're just on a phishing list

 

you respond, you'll get earmarked as a potential mug!

 

dx

[gazareth]

hi all

just a quick update , today i recieved a letter from lowell portfoilio, stating they did not hold copies of my original agreement , but have requested them from lloyds.

 

they also say ''there is no legal obligation which states we must send the information within a certain time period ''

 

do i just wait for the copies of the original agreement ?

Edited April 20, 2011 by gazareth

[42man]

It is too small to read.....however if you want closure on this then I would send the statute barred letter (you can find the links in my signature below) make sure you send it recorded delivery...

[gazareth]

sorry not sure how to resize the image so i removed it

 

thanks for the link 42man. i'll send the statute barred letter tomorrow

 

 

also i forgot to mention i got a copy of my credit report , which was clear , am i right in thinking this sort of proves that there should be no outstanding debts against my name ?

 

 

regards

 

gaz

Edited April 20, 2011 by gazareth