LOWELL& next 'Debt'

[yhdil]

Hi Guys, following this useful forum,

I enquired from LOWELL about unrecognised debt.

 

Kindly follow the attachment.

 

My Letter to Lowell

 

Lowell Reply

 

 

I have following unanswered questions please:

 

1. I had an account with NEXT long ago which I regularly used but then stop using it as I stayed outside country for 6 Months.

 

I can now recognised the account.

 

But I never had any debt/dues with the next when I stopped the account.

 

I had limit of 1000 GBP but didn't feel the need of buying on credit.

 

I can recognized the account but dispute the debt. What should I do?

 

2. LOWELL says that they sent me some sort of letter on the 7th Nov, 2013;

but I never received any letter from them and only found out about the debt through credit file.

 

3. Lowell asked for further 12 days to hear from the NEXT. If I don't hear anything in due time, what should I do?

 

Please reply as the debt is so small but it is affecting my rating so badly

Edited June 23, 2014 by yhdil

[fkofilee]

Right first off that is BS i managed to get no less than 6 accounts removed through Lowell that were " a true reflection of the running of the account"

The letter they have sent is a generic one... I would complain with Lowell... IO currently have a running complaint thats been ongoing in various forms for 6 months...

 

The searched my credit profile 117 times in a year and have left markers for the whole world to see!!!

 

 

Please complain... Itll work for you.

[yhdil]

Hi many thanks for the reply. Yes it looks like very general letter, telling me nothing much about the debt. Is there any specific letter/template to proceed further?

[Deb T]

Ridiculous that your credit rating is adversely affected by such a pithy amount and particularly via the

likes of bottoms feeders such as Lowell...

[dx100uk]

lowells are sadly correct.

 

the OC placed the default

 

they should remove it.

 

the fact that lowells might be updating the file makes no odds.

 

dx

[dx100uk]

time for an sar to next me thinks

 

dx

[yhdil]

Thanks for the reply. Are you suggesting to write the same letter to the Next?

[dx100uk]

next is your target

 

can I just say that some of that CCA request is not correct

 

not sure where you got it from

 

but its not of a std format.

 

an sar to next is p'haps your best course of action

 

get the info FIRST

 

then attack them.

 

dx

[yhdil]

Can anyone guide me pls?

[dx100uk]

please follow post 8

 

dx

[citizenB]

Can anyone guide me pls?

 

You should send a Subject Access Request to Next - this will cost you £10.00 and entitles you to all the data in respect of your financial relationship with the company.

 

They have 40 calendar days to comply - you can use the draft request from the CAG library, linked below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request

 

From reading your post, you dont understand how this "debt" has come about. It is your understanding that there was no balance at all. So, IMHO, you need to establish why they have said there is this small amount owing.

 

A SAR should identify any orders made/monies paid. If someone has used your accoutn without your knowledge, perhaps you will be able to establish this.

 

If the debt is made up from penalty charges - you should be able to reclaim these.

 

You should be able to discover at what point Next sent out a default notice - if they did ?

 

From the information above, you might well discover this is an error and you can then ask Next to remove the adverse information.

 

Alternatively, write to Next at their Head/Registered office -head your letter "Formal Complaint". Ask them to explain how this debt has come about as you do not believe the money is owed - and if it isnt, then they are reporting to your credit file incorrectly.