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Help with Lowell and provi debt


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I received a letter from Lowell about about a debt from 2010 that I have no knowledge of,

 

I called them but the person on phone wasn't very helpful

I asked to speak to a manager who also wasn't very helpful as I wouldn't give information over the phone to pass some security thingy

 

I therefor asked them to put a note on the system explaining that I do not acknowledge this debt and the account was in dispute etc etc and therefor asked the manager to read it back and she couldn't

 

I explained how unhappy I was in dealing with them as they didn't listen I emailed them but responses back are taking up to 5 days to get back so very slow process.

 

What's should I do now I have confirmed that I lived at the address stated by them but again very slow process in getting a reply

 

Any help appreciated

 

Paul

 

Sorry previous address stated by them

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firstly, stop speaking to them on the phone, communicate only in writing

PLEASE HELP US TO KEEP THIS SITE RUNNING

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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Ignore them.

 

Never ring a tin pot powerless DCA, they're not bailiffs nor will they ever be.

 

Check your credit file and see if it matches with the account they claim you owe.

 

Keep everything in writing or email, who cares if it takes 5 days or more, calling these fleecers will only end up in you tripping yourself up, and giving them the answers they want, like giving them your address, phone number, dob etc etc.

 

Ignore them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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What type of debt are they trying to fleece you on?

 

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 a Doorstep loan

And is this yours?

 

Is it on your credit file?

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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Are all your old addresses showing on noddle?

 

What date is claimed for when the loan was taken out?

 

What date did you move out of the address they claim it was taken out at ?

 

Fraud?

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 if no payments were made?

it will now be extinguished under Scottish SB rules [5yrs no written ack or payment]

as long as your were resident in Scotland when the loan was taken out?

 

 

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 post 10 I'm all correct ?

 

 

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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debt is dead then does not exist

 

 

do nothing.

 

 

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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