Lowell Group - bit of a surprise

[atticus100]

hi

 

I called Lowell today who are claiming 3 different amounts (2 from my wife and 1 from me) for O2 and T-Mobile.

 

I do not dispute that the amounts are outstanding (although I have no memory or paperwork about the original debt.)

 

However while trying to arrange a repayment schedule

and amount with them for all three of these

the woman (Saria) mentioned an old Capital One debt of £403 from 2007.

 

Is this even relevant?

I have absolutely no record of this original debt!

 

In fact are any of the amounts valid?

Do I have to deal with Lowell?

Can I go back to the original creditors?

 

Will paying these make any difference to our already damaged credit file?

 

Mike

[silverfox1961]

Hi

Irrespective of what this woman may say, if no payment has been made to this particular debt then it will be Statute Barred.

 

As for the others, do you have individual threads regarding these?

[SabreSheep]

First off, do not talk to them on the phone again ever period

 

We need to know info on the debts

 

 

WHo was the original lender

 

type of debt EG Credit, Overdraft etc

 

When account was taken out

 

Any PPI

 

Credit card charges?

 

Who OWNS the debt now.

 

Check your credit report.

 

Pay nothing untill you have sent CCA requests for the debts

[atticus100]

No all I have are the Lowell letters and references. The original O2 and T-Mobile reference numbers are on the letter.

 

With regards to the Capital One amount, do you mean if no payments have been made within a certain timescale?

 

Mike

 

Oh, and thanks!

[dx100uk]

mobile phone debts......

 

 

paying them WONT improve your credit file!!

 

 

but it will line the debt collectors pockets mind!

 

 

just don't forget the golden rule.

 

 

THEY ARE NOT BAILIFFS!!

and have

no SUCH LEGAL POWERS.

 

 

dx

[atticus100]

But can they not involve the courts?

[silverfox1961]

No all I have are the Lowell letters and references. The original O2 and T-Mobile reference numbers are on the letter.

 

With regards to the Capital One amount, do you mean if no payments have been made within a certain timescale?

 

Mike

 

Oh, and thanks!

 

there has to be a clear six year gap with no payment nor acknowledgement of this debt. Lowell have been mentioned in the past for inventing payments to an account which never happened.

[dx100uk]

But can they not involve the courts?

 

 

I see you've been told all the rubbish over the phone they'll never repeat in a letter....

 

 

was there any disputes over the mobile debts?

 

 

why were they not paid?

 

 

yes they could goto court

 

 

but ask yourself this

why did the original companies sell the debts..urm.

 

 

how old are they

can you list them from the credit file please

 

 

defaulted dates too

 

 

dx

[atticus100]

I'll get al this and report back. I should say I've arranged direct debits with them is it too late for me to cancel them and if not do I do it via my bank?

[letsgetitsorted]

Lowell Tried to take me to court for a mobile bill/orange account, i filed a defense, the discontinued the case and removed the marker from my credit file. so with the right defense the will run...

[dx100uk]

you should be able to cancel on your online banking webportal

[atticus100]

Hi

 

I spoke to Lowell today and requested that they cancel any direct debit i agreed to set up yesterday. They've agreed to it.

 

I checked their data on the Capital One debt and it is as follows:

 

Account was set up 7/2/2003

Defaulted on 2/4/2007

No payment made since 29/8/2008

 

That pretty much makes it over 6 years in my books. The old boy at Lowell told me the can still pursue me for the debt even though it's Statute Barred.

 

Is he right?

 

I will post up the details of the other three accounts they are chasing in due course but would appreciate any feedback on the above?

[dx100uk]

they can ASK for payment

 

 

you can ask them to do one!!

 

 

no dice lowells - another fleecing attempt blown out

 

 

dx

[atticus100]

Am I right in thinking these DCAs buy delinquent accounts from creditors

and chase the borrower independent of the original creditor?

 

 

For example, if an account has already defaulted and is recorded on a person's credit file,

paying the DCA has no affect on the credit file and the original creditor gets none of the money the DCA recoups from the debtor?

[fkofilee]

Correct, Lowell Purchase Debts... They dont just administer.

However, they take over the reporting of the Credit file on the account. Any payment made to them goes against the credit file account and the balance SHOULD be updated... However as with CAG we have seen times where they fail to update naything.

Good one you managed to blow them out of the water with the Cap One Card.

Send them the Stat Barred Letter to get them off your back,,

[dx100uk]

if its been sold yes

its clear profit to their pockets after the init buy outlay

 

 

if an account is defaulted

it wont matter what you do or WHO you pay

the default is their for 6mts.

this is what the ICO says:

 

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

 

 

dx

[atticus100]

being a bit thick but what is advantage of CCA request?

[dx100uk]

click the link?

 

 

dx

[atticus100]

I've dome that but what happens if they don't or do reply?

[dx100uk]

it needs to be checked to see if its enforceable.

 

 

if you read a few threads here

many are not

they have 12+2 working days.

 

 

until/unless they provide an enforceable CCA within that time

you can stop any payments as the debt is in default

 

 

dx

[jackthepippa]

I too have received a CCJ claim form from the Lowell group which is for an O2 account. I have 4 healthy accounts with O2 and this referred to none of them so I was surprised at this. Turns out this is debt from 2007. It is in my name and raised by carphone warehouse!! Lowell obtained it in 2010. I don't recognise it and O2 have forwarded it to their fraud team. Meanwhile is this debt not statue barred anyway..I've not heard of it before last month, when Lowell were claiming a random amount but to whom?..Only when the CCJ claim came through today could i find out the further info from O2. What should I do now?

[jackthepippa]

I too have received a CCJ claim form from the Lowell group which is for an O2 account. I have 4 healthy accounts with O2 and this referred to none of them so I was surprised at this. Turns out this is debt from 2007. It is in my name and raised by carphone warehouse!! Lowell obtained it in 2010. I don't recognise it and O2 have forwarded it to their fraud team. Meanwhile is this debt not statue barred anyway..I've not heard of it before last month, when Lowell were claiming a random amount but to whom?..Only when the CCJ claim came through today could i find out the further info from O2. What should I do now?

[dx100uk]

I too have received a CCJ claim form from the Lowell group which is for an O2 account. I have 4 healthy accounts with O2 and this referred to none of them so I was surprised at this. Turns out this is debt from 2007. It is in my name and raised by carphone warehouse!! Lowell obtained it in 2010. I don't recognise it and O2 have forwarded it to their fraud team. Meanwhile is this debt not statue barred anyway..I've not heard of it before last month, when Lowell were claiming a random amount but to whom?..Only when the CCJ claim came through today could i find out the further info from O2. What should I do now?

 

 

you need to URGENTLY

 

 

start a new thread

of you own

 

 

do NOT ignore the claimform

 

 

dx