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Lowell email + letter on old cat debt


amybabe20
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I received an email a few day ago from Lowell saying that they have my email address on file and would like to communicate with me "to find the right solution" for me.

- I ignored this, as I do not have or know about any accounts regarding Lowell.

 

Now I have received a letter from Lowell saying that they have purchased an account from a catalogue company which was opened around July 2007.

They say the account was sold to them because the catalogue company was unable to recover the amount,

which may have been because they didn't have an up to date address for me.

And that they used a Credit Reference Agency to get my current address.

 

^ That is all it said, pretty much. No threats. It didn't say how much I am supposed to owe, or when my last payment was :S

 

Now, the catalogue company had an address for me, and only up till April this year has that address changed.

And I have heard nothing from them for several years now.

I also believe that the amount I owed had been paid (although I am not certain of this).

 

Should I just wait and see if they send me anything else?

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Yes wait until you get something more concrete - this sounds like a speculative letter to see if you respond whereby they will ramp up the rhetoric.

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what info are they relying upon in your credit file?

 

is there an outstanding cat debt showing?

 

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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what info are they relying upon in your credit file?

 

is there an outstanding cat debt showing?

 

dx

 

I checked my credit report earlier this year, and nothing was outstanding other than what I already know about (which is being paid), my credit report was good. They used the file to get my current address which is also my parents address (as I lived here before and am back here again).

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so its dropped off

through the efault being +6yrs old never to return

 

looking like its SB'd then

and lowlife are on a phishing trip

to see if they can fleece a mug that knows no better

 

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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so its dropped off

through the efault being +6yrs old never to return

 

looking like its SB'd then

and lowlife are on a phishing trip

to see if they can fleece a mug that knows no better

 

dx

 

That's what I thought. I'm just going to leave it and see if they contact me further. Luckily, both of my phone numbers have changed since then, so no annoying calls :)

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Id ignore them until they send a court claom. Thats if they even bother. You can then supply the sb defence and have a good laugh at them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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might be an idea at some point to sar whichever it is

shop direct

or

jdw

 

might help with PPI or penalty charges too!

gather info protect your rear

 

 

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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might be an idea at some point to sar whichever it is

shop direct

or

jdw

 

might help with PPI or penalty charges too!

gather info protect your rear

 

 

dx

 

 

It is shop direct but I don't know what my account/reference number was, as I haven't dealt with them in so long.

 

 

 

Lowells wrote to me demanding payment for a catalog account, Iasked them to put up, they couldnt as a result account closed default removed...might be worth asking them to put u[ or shut up

 

You asked them to put up? What do you mean?

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you don't need any numbers just sar SD.

 

put up

means show your PROOF I OWE this debt

rather than try and spoof me into paying something.

 

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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  • 4 weeks later...

I have had another email from Lowell.

 

This time it gives me a reference number for Lowell,

 

the original company was Littlewoods,

 

the original account number,

and the amount "owed".

 

It says "3 easy steps to clearing your debt" .

.. it could be affecting my credit rating ..

. it's not going to go away and legal action could be taken against me if no arrangement is made. That's pretty much it.

 

Should I 'sar' Littlewoods? Or do anything?

Edited by amybabe20
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i'd sar shop direct anyway

 

look at reclaiming

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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Had a letter come in today from them. Still nothing threatening, just saying they want to help me pay etc. Includes the same info as the email before. I think I am going to 'sar' shop direct, because I'm sure I have either paid this debt off already or it is sb.

 

How would I send the £10 fee? Cash? or....?

 

EDIT: Should I also 'sar' Lowell?

Edited by amybabe20
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Send it by postal order but keep it blank. Make sure the PO is crossed. Do not sar lowell. They wont hold any info on you at all, and is a waste of money

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 month later...
Send it by postal order but keep it blank. Make sure the PO is crossed. Do not sar lowell. They wont hold any info on you at all, and is a waste of money

 

What do you mean keep it blank?

 

Received a letter from Fredrickson International Ltd saying that they have been authorised by Lowell to contact me about the debt. Saying that if a repayment plan is not set up they will get a solicitors to take legal action.

 

Should I write to them to let them know that I am sending Shop Direct a sar?

 

I'm still pretty sure that this debt was already paid way back when, and my ex Husband said the same. Hence why I am going to sar them.

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Ever sent a prove it letter to them? Especially if the debt was paid.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Nope, have sent nothing to none of them since they started emailing/writing to me. I remember having the debt, and both myself and my ex think it was paid off, but I am not 100%. If it wasn't, it has would have been a fair few years since any payment would have been made on it.

 

Should I send a prove it letter to Shop Direct, Lowell or Frerickson? or should I sar Shop Direct to find out about the original debt?

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I'd send it to whoever is chasing you. Then if they prove it, send a CCA request. Just remember, lowells, freds and carter are very litigious. They couldnt care less if the debt is enforceable or not., They hope for judgement by default, then try and enforce it.

 

Sadly, they use the courts as a form of debt collection which really needs to be outlawed. Court action should only ever be used as an absolute lst resort after all other methods have failed. Really the courts should ask the solicitor/DCA for evidence they have exhausted all other methods of collection.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have no problem paying the debt if I actually do still owe it, but like I said I'm pretty sure it was paid years ago.

 

Would I send it to Lowell or Fredrickson? As this is the first letter I have received from Freds and it says that they have been authorised by Lowells to secure repayment.

 

I think I will still sar Shop Direct anyway to find out if the debt was paid or at least when the last payment was made.

 

Send it by postal order but keep it blank. Make sure the PO is crossed. Do not sar lowell. They wont hold any info on you at all, and is a waste of money

 

Never sent a postal order before... what do you mean keep it blank?

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you don't write a payee name.

 

and read the letter properly

 

it does NOT SAY WILL ANYWHERE

 

don't fall for the threats.

 

 

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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