Lowell chasing for debt from Three for unreceived handset

[jemmaell]

Help and advice please

 

Lowell Financial contacted me some months ago regargding what they insist is an outstanding debt I have with mobile phone people Three.

 

I had a contract with Three - over 3 years ago which they agreed to terminate due to proven bad signal/ reception.

 

They sent a shiny envelope for me to return the handset - which I did.

 

However they are refuting that they have received the handset and have passed the debt totalling £233 to Lowells who are now - very persistently chasing me for it.

 

It's not a huge sum of money ( but I happen to be feeling the pinch at the mo) but more importantly I know I returned that handset as requested however I have no proof..

 

I did try and chase it at my local post office but obviously too much time has passed and there is little they can do about it.

 

I kick myself for not getting a proof of posting certificate but I simply didn't think about it at the time..

maybe the shiny envelope lulled me into a false sense of security.

 

Unfortunately I'm also trying to move house so really don't want this affecting my credit report etc etc.

 

I have told them ( they literally just called in the middle of writing this) I am seeking advice before writing to them

- somehow they have my home tel no, my email address and my mobile - I am feeling harrassed

 

Thanks for any guidance - I haven't had this type of debt issue before.

[dx100uk]

is this debt on your credit report?

 

dx

[BRIGADIER2JCS]

Hi welcome to CAG,

 

I presume the account is defaulted and shows on credit reference files? If you haven't check you need to do so.

 

If so it will be a bar to any matters such as mortgage applications.

 

If you did not obtain proof of posting for the package, it is a difficult situation of dead lock which is no doubt why this was sold to Lowell.

 

If the account is defaulted and you pay it off the default entry will be marked satisfied and will remain on file for the balance of the 6 year period.

 

I guess you can write to Lowell denying liability and stating that the debt is disputed and tell them the reasons why.

[jemmaell]

no it's not on my credit report - but i see they have made an enquiry some months ago

[jemmaell]

And that is what I presume a step they will take next - although weirdly they have said they will send an agent for a face-to-face visit to discuss - no thanks! Or proceed with court action.

[dx100uk]

nope they cant do that.

 

dx

[jemmaell]

Thanks for the reply - no - it's not on my credit report - but I am worried it will be

- I saw they have done a search on me and last letter says I have 10 days before they "take action" - "court action"

 

When I spoke to Three

- they said they may well have the phone but because it wasn't received within 10 days this is why it has happened

.. their terms apparently, and they can't / won't check to see if they have actually received the phone because of the 10 day thing - they don't have to... zzzz

[dx100uk]

no they cant place it on your cra file

 

its a phishing trip

 

ignore them

read the letter CAREFULLY

 

it does not say WILL anywhere.

 

neither does it say they CAN do court

 

might.if.could.would.instructed.minded...never WILL!!

 

dx

[jemmaell]

hmm.. it says will arrange a time, will commence with court action, will commence with action against you.

 

So you think I should ignore?

[dx100uk]

but theres an if/or sentence with it.

 

if you wish

scan it up

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx