Lowell/tocatto chasing car insurance 'debt'

[RonnieScott]

Last month a company called Tocatto contacted me regarding a small debt (cancellation fee) from Budget Car insurance,

 

I arranged to make x4 monthly payments of £34.75 and paid first instalment 20/11/13.

 

About a week after this a company called Lowell contacted me by email asking me to phone them and quote a reference number,

 

I did phone them and it was about this debt,

 

they said no payments had been received,

 

I sent them the CCA letter demanding a Statement of Account which I received today,

and no mention of monies already paid.

 

I phoned them up and they told me they have now received the initial payment from Tocatto.

 

They said Tocatto is a company that does work for them so I am fine with that.

 

However they now want the payments set up directly with them and not Tocatto,

I refused to do this until I had written confirmation from Tocatto that the debt was now in the hands of Lowell

and they were fine with that also as this would avoid double payments being sent out.

 

This is my problem now that I have explained the above;

 

Lowell brought up an old debt that I had with T-Mobile for £72.00,

I paid this debt to T-Mobile in May 2013 and it is marked as settled on my credit file.

Is it not a breach of the Data Protection Act 74 for Lowell to be still processing my personal information

regarding an old settled debt????

 

the woman I spoke to from Lowell had all the details right down to how long my phone contract was,

the total amount I had paid since 2006 and how the debt of £72.00 came about.

 

Appreciate any help here please.

[dx100uk]

YOU ARE BEING HAD...we call it CASH COWING.

 

STOP phoning these people

they are taking you for a MUG.

 

they are NOT BAILIFFS

thay have NO SUCH LEGAL POWERS.

 

toccata is lowells

just a diff bloke in a diff coloured skirt at the next desk.

 

stop paying them!!

 

are these debts on your CRA file?

 

dx

[citizenB]

Has the phone company sold the account to Lowells ? If so, you should have received from either one of them, a notice of assignment.

[RonnieScott]

Only the debt with T-mobile which is marked as settled, nothing from Budget

[RonnieScott]

Has the phone company sold the account to Lowells ? If so, you should have received from either one of them, a notice of assignment.

 

But the debt was settled in May 2013, data should not still be processed, surely?

[renegadeimp]

If the debt has been sold and you still owe money, then the debt is still live and they can continue updating for the remainder of 6 years.

[RonnieScott]

Has the phone company sold the account to Lowells ? If so, you should have received from either one of them, a notice of assignment.

 

I am not sure, I have never had a letter from Lowells before, but even if I had, can they still process data on the T-Mobile debt even though it was settled in May 2013?

[renegadeimp]

Yes. It only says settled because lowell bought the debt. WHen they update the record, it will show the previous info again.

[RonnieScott]

Thanks everyone

[citizenB]

Sorry, I am a little confused.. if the Mobile phone debt is paid up, why are Lowells contacting you at all ?

 

 

There seems to be 2 debts involved.. are they connected in any way ?

[RonnieScott]

Sorry, I am a little confused.. if the Mobile phone debt is paid up, why are Lowells contacting you at all ?

 

 

There seems to be 2 debts involved.. are they connected in any way ?

 

Exactly what I am trying to say, Initial debt to T-Mobile £72.00 was paid in May 2013 directly to T-Mobile. The reason Lowell have become involved is for Budget insurance debt. These 2 debts are not connected in any way at all. But when I phoned Lowell to discuss Budget debt they put me on hold and then came back on to say I have an outstanding debt with T-Mobile, which I dont, as it was paid in May.