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    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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Selling the Debt on


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Hi all,

 

I am new to this site, found it due to searching for info on a Debt letter I recently recieved from Red debt collection agency/ aka Lowell portfolio....

 

My question is ....

 

What is the responsibility of any DCA (Debt Collection Agency) that buy's the debt off another company (either the original company that is owed the debt or another DCA) .....

Are they supposed to notify myself if they have bought the debt ??? Which they have not

 

So far I have recieved 2 letters... the first one is stating that My account has been passed to them asking me to contact them either by phone or online etc...

 

The second letter is the basic contact us within 7 days or risk legal action letter....

 

So far I have NOT replied to them.... through phone or online, but I have sent them a template letter off this site asking for a true copy of the original credit agreement and all relating documentation...

 

Any input would be gratefully appreciated

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Who was the original creditor?

 

Never contact them by phone, just wait and see what comes back from the CCA request. Unlikely that they will admit to buying the debt, but you should have received something from the OC to advise that the debt had been assigned to Lowlife.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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The original company I owed some money to was Three mobile..... but nowhere near the amount they want, £645.00 is what they want.....

 

I learned from previous dealings with a DCA not to contact them by phone.... was the biggest mistake I made, tried my best to arrange to resolve the debt but they was down right rude, wanted a lot more money than what I had, and they kept harrasing me sending threatening letters and more phonecalls than I've ever had before in my life, all hours of the day and night too....

 

Thats why This time I sent them the letter off this site and I did some research etc into this agency...

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how old is the debt?

 

rarely do any mobile debt get near a court which is why they sell them to these leechers.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The debt is approximately 3 - 4 years old,

 

My original reason why I didnt pay the amount I owed was because the mobile company did not provide me with (what I would call) adequate service.... i:e when in a phone call they would cut the call off... ( when on phone to various people NOT mobile provider that is)....

 

Most of the time there was NO reception and I was totally disgusted (to say it mildly) with the lack of service.....

 

Its not funny being in the middle of a phone call, just for the call to be ended due to the network/reception.... which happened multiple times on a daily basis

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Hi all,

What is the minimum payment that is or has to be accepted by any DCA/company ?

And how do I go about setting up a payment using the minimum amount ....

 

I ask this due to myself being disabled (Autism/Asperger's Syndrome) / on benefits and very little money to spare.....

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you wont get a cca for a mobile phone account

 

to be honest

90% of mobile phonelink3.gif debts never go to court

as its usually mostly charges etc etc

 

pers they've done nowt in +3yrs, i doubt they'll do anything in the next.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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none you should never ever pay a DCA

always the OC unless the debt has been SOLD to them

and you've checked you actually LEGALLY owe te debt & their assignment.

 

please tell us about the debt

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

The debt is as stated in my other post (Selling the Debt on).....

 

It was mainly out of curiosity and for future reference why I asked the question.... at the moment I have NO intention of paying Lowllifes (Lowells) anything until they provide adequate proof that I actually legally owe the debt and I am required by law to pay....

 

Another reason for asking about a minimal amount is due to various company's etc asking for huge amounts that most people have no way of paying without suffering hardship....

 

just curious as to the minimum amount the law says any company (DCA or otherwise) have to accept rather than them saying X amount is what they want or are willing to accept....

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your need to stick to ONE THREAD per debt.

 

threads merged

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

The debt is as stated in my other post (Selling the Debt on).....

 

It was mainly out of curiosity and for future reference why I asked the question.... at the moment I have NO intention of paying Lowllifes (Lowells) anything until they provide adequate proof that I actually legally owe the debt and I am required by law to pay....

 

Another reason for asking about a minimal amount is due to various company's etc asking for huge amounts that most people have no way of paying without suffering hardship....

 

just curious as to the minimum amount the law says any company (DCA or otherwise) have to accept rather than them saying X amount is what they want or are willing to accept....

 

there is no guidance

 

however

 

its typically £1 PCM if on benefits

 

however as already advised

 

mobile phone debts rarely goto court

if the OC had wanted their money

why not ask themselves!

 

why leave it so long?

 

i'd also be inclined to check your CRA file

 

see below in my sig

 

dx

 

 

its all obv penalty charges that will never stand up in court.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no bother glad we can help

 

keep us informed

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 weeks later...

UPDATE

 

Finally got a reply off lowlifes, after sending them a CCA request... it states they have concluded that the debt does not belong to me... and as such they have taken my details off of their database...

:jaw:

 

I wasnt expecting that ...... but well chuffed with the outcome saved me £650.00:wink:

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Hi

 

Great Results

 

Bit of info for you on Lowells:

 

Lowell Group is a debt purchase company. We purchase customer accounts from various creditors including credit cards, loans, store finance, current accounts, home shopping and mobile communication and then work with each customer to build realistic and affordable repayment plans. The sale of an account is usually done when the client has exhausted their own collections procedures, which often includes the appointment of external collection agents, without success.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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UPDATE

 

Finally got a reply off lowlifes, after sending them a CCA request... it states they have concluded that the debt does not belong to me... and as such they have taken my details off of their database...

:jaw:

 

I wasnt expecting that ...... but well chuffed with the outcome saved me £650.00:wink:

 

check your cra file!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

UPDATE

 

Finally got a reply off lowlifes, after sending them a CCA request... it states they have concluded that the debt does not belong to me... and as such they have taken my details off of their database...

:jaw:

 

I wasnt expecting that ...... but well chuffed with the outcome saved me £650.00:wink:

 

I don't think I would look at it that way. Lowell have made a false accusation, caused you distress and if they have added anything to your credit record, could have affected your financial health.

 

So you should make an official complaint to Lowells, requesting compensation or you will report this to the relevant regulators. The ICO will be interested regarding accuracy of data and possibly the FOS, regarding the distress they have caused. I am not totally sure whether the FOS will look at mistakes made by debt collection agencies, but it may be worth giving them a phone call to check.

We could do with some help from you.

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