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Lowells / Hamptons chasing old '3' mobile debt


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Hi,

My son has had a number of threatening letters regarding a '3 ' phone contract,

 

they(lowells) reckon he owes £446,

 

he said the debt was originally for £90, they have obviously sold it on to 'Lowells'.

 

He has just had a letter saying they will half the bill if he pays it all at once,

but I think they will only take it in instalments for the full balance!

 

He is worried it will affect him getting a mortgage,

he says 3 did not replace the phone he states was damaged.

 

Any advice?

 

Should he offer to pay the reduced amount in instalments?

 

 

Cheers

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if they are offering a discount

that means something is wrong with the debt.

 

is this already on his 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... 

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Hi, finally got the report, it says

 

"lowells portfolio" the balance is £466 but the default balance is only for £92 !

 

Surely that is an unfair charge? 300% more!

 

As they dont specify who it is (i know its 3)

 

do they know i did have an ongoing dispute with them?

 

Seems they took over the debt without knowing the full score!

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so its there and will kil a mortgage already

so whats the default date in the summary?

 

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 wont matter what he does the default is there for 6yrs

 

it would have been placed by 3 when they sold the debt on I bet

 

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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