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Lowell Portfolio & Vodafone debt


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Hi guys

 

Got in from work today to find a letter in the post from the above company, saying I owe £1443.97, period covered 09/10/2008 - 01/08/2009

 

I would never leave anything like this outstanding, it's a disgusting amount, on the other side of the letter it says the different line rental usage i.e. £45 - £45 - usage - £841.37 etc

 

then a early termination fee of £481.81?

 

I don't understand any of this! Got me worried! What do I do? Ignore? Say that I have had nothing outstanding in the past?

 

And why has get in touch now after all these years?

 

Thanks

Karl

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The debt may be on your credit record, so do check.

 

I would suggest that you contact the original creditor phone company to find out why there is a debt outstanding. Did you lose or pass on a contracted phone, without cancelling the contract ?

 

See if you can contact the phone companies complaints dept. to find out more information and follow it up in writing.

 

Once you have a dispute registered with the phone company, I would suggest you write to Lowell advising this.

 

You need to take this seriously, as Lowell may apply for a CCJ or worse Bankruptcy.

We could do with some help from you.

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The other letter that was included was from Vodafone saying

 

Dear Mr ******

 

We're writing to let you know that on the 29/06/2011, your vodafone account which has an outstanding balance of £1443.97 was assigned to Lowell Portfolio I Ltd

 

The balance on your account is made up of the following :-

 

Outstanding Call Charges/Line Rental:-£982.05

Early Termination Fee:-£461.92

= Total Amount Due:-£1443.97

 

What this means for you

 

Because your debt has now been assigned to Lowell Portfolio I Ltd, you should note the following points carefully:-

 

From now on, please send all payments to clear your debt straight to Lowell Financial who are appointed debt collection agents of Lowel Portfolio I Ltd at the address shown below.

 

If you're making regular payments , you shouldn't change or stop them for any reason, except it would be easier for you to make your payments directly to Lowell Financial from this date onwards.

 

If you have any questions, call Lowell Financial on 0113 308 6039 or write to:

 

Enterprise House

1 Apex View

Leeds

LS11 9BH

 

These charges don't affect the Terms and Conditions of your original Vodafone contract.

 

Finallt, if you've settled your debt in full in the last few days please disregard this letter and than you for your payment.

 

Yours sincerely

 

Tracey Swenne

Senior Manager - Credit & Collections.

 

 

 

 

What the hell is going on?

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I presume you remember this account from 2009.....sounds an awful lot of money. Have you thought about putting a SAR together.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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Vaguely remember yes, What is a SAR? Any templates that I could use? There is no way I could of added up over £800 usage... within the space of 5months.

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A SAR is a Subject Access Request and is used as a way of getting the company to reveal all they hold on you on their systems. Have a look here - http://www.consumeractiongroup.co.uk/forum/content.php?609-Can-t-find-the-letter-you-want-Look-here

 

Unfortunately the SAR will cost £10 (but it could be £10 well spent) - send a Postal order and make sure you send it recorded delivery, they have to comply with your request within 40 calendar days.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Hi Karl,

 

I can appreciate that this has come as quite a shock.

 

If you'd like me to look into things further could you email me with your details via Contact us form here and quote the code WRT135 - CAG Forum in the subject line?

 

Once sent you'll receive an automated reply with a reference number. To make sure it reaches me could you update the thread with this and I'll get back to you as soon as I can?

 

Kind regards,

 

Lee

 

Web Relations

 

Vodafone UK

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Hi Karl,

 

I can appreciate that this has come as quite a shock.

 

If you'd like me to look into things further could you email me with your details via Contact us form here and quote the code WRT135 - CAG Forum in the subject line?

 

Once sent you'll receive an automated reply with a reference number. To make sure it reaches me could you update the thread with this and I'll get back to you as soon as I can?

 

Kind regards,

 

Lee

 

Web Relations

 

Vodafone UK

 

Hi Lee

 

Have filled out & sent contact form, have not received reference number yet.

 

Cheers

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Hi Karl,

 

Thanks for coming back to me.

 

I've received your email and will get back to you as soon as I can.

 

Kind regards,

 

Lee

 

Web Relations

 

Vodafone UK

 

Thanks Lee, hope we can get to the bottom of this.

 

Kindest Regards

Karl

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Hi Karl,

 

It's just a quick post to let you know that I'll be getting back to you later today.

 

Kind regards,

 

Lee

 

Web Relations

 

Vodafone UK

 

Hi Lee

 

I have checked my credit file and it only shows the 3 Telford addresses I mentioned to you on the phone.

 

I am now a bit concerned this might not even be my debt! If you are telling me it doesn't connect to the 3 addresses already given.

 

Thanks

Karl

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Good to see Lee showing how a good company rep can really help on CAG.

 

Anyone seen the Barclays rep lately? Think he bottled it after about two weeks...

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“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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