Lowell debt collecting

[creativesector]

Hi everyone,

 

I recently stopped paying credit expert their monthly fee, as I felt it was becoming unnecessary, and within a couple of days I received a letter from Lowell, asking for a debt that had been disputed from quite a few years ago. All my credit was fine until this happened.

I emailed Lowell, to dispute and remove the bad rating and in return I got this...

 

"We note all your comments and have investigated the matter. We consider that there is sufficient evidence to confirm your liability for this debt and that the balance outstanding is due and owing. However, with a view to resolving this matter quickly and simply, we have decided to take no further action to recover this balance and will close your account.

 

We are not prepared to remove any default registered with the credit reference agencies in respect of this account as we consider that this data remains correct and accurate. This information will remain on your credit file for a period of 6 years from the date of default.

 

For the avoidance of any doubt, please note that, whilst Lowell will always endeavour to comply with all relevant regulatory requirements, we do not acknowledge or accept any of the terms, conditions, fee schedules and timeframes that you have set out in your correspondence. Any claims against Lowell based on these unilateral terms and conditions will be defended.

 

I trust this now concludes the matter. Should we receive any similar correspondence from you regarding this account, we will not be providing a response. If, however, you do have any specific questions regarding the content of this letter, please don’t hesitate to contact us."

 

the obvious issue is that they are willing to dismiss the disputed debt but not the default rating (?!). Added to which my rating will be marked down for the next six years because they say so? Is there a bluff in there?

 

My plea for advice here is what is my next move? Threaten more legal action? If so, in what form?

 

Thanks in advance

 

Frustrated

[dx100uk]

tell us about the debt please

 

 

dx

[unclebulgaria67]

Best advice is to only go back to Lowell when you have an angle of attack.

 

Send an SAR to the original creditors asking for all data and documents held by them. You could specifically ask for a copy of any default notice issued and data regarding its issue.

 

Then see what comes back. Lowell can apply the default if the default information is correct. They own the debt and have the same rights as the original creditor. It will only get removed, if you find an error with the original defaulting of the account.

[fkofilee]

Thats a standard template response from Lowell... They use it for FOTLM / GOODF templates mainly but have seen it for others but very rarely.

SAR them and get as much info as possible.

 

Did you send them a letter from the FOTLM stuff as they wouldnt just send that out to you without reason.

[Doingmybest]

Thats a standard template response from Lowell... They use it for FOTLM / GOODF templates mainly but have seen it for others but very rarely.

SAR them and get as much info as possible.

 

Did you send them a letter from the FOTLM stuff as they wouldnt just send that out to you without reason.

 

Hi

what does FOTLM stand for please

[unclebulgaria67]

Hi

what does FOTLM stand for please

 

Think they mean Freeman of the land movement. People who think their names are legal fictions, they have allsorts of rights. A bit inconsistent as they don't state any different rules that apply to them, when they apply for credit.

[obiter dictum]

Three letter process normally

 

Pure hogwash though

[citizenB]

You say your credit history was fine up until you cancelled the payment to Credit Expert... if there were defaults then I don't see how that could be. When was the original default placed and How long does it have left from the 6 years ? If it had already gone past the 6 years, they cant simply reinstate it ?