Help with Lowell and provi debt

[PaulScotland]

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

[martin2006]

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

[Bazooka Boo]

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.

[dx100uk]

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

 

Dx

[PaulScotland]

Provident

[dx100uk]

So a Doorstep loan

And is this yours?

 

Is it on your credit file?

[PaulScotland]

I honestly have no knowledge of this and it's not on my credit file that I can see

as I have just signed up to noodle to check when I received the letter

[dx100uk]

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?

[PaulScotland]

Loan taken out 2010 October

Moved out December 2011

Yeah all addresses are showing

 

My ex partners address it was

[dx100uk]

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

[PaulScotland]

Ok so balance states £135 owed

 

So does that mean just send them off a letter then?

[PaulScotland]

Ok so balance states £135 owed couldn't tell you what the opening balance etc could be as I have no knowledge of the loan!

 

So does that mean just send them off a letter then?

[dx100uk]

so post 10 I'm all correct ?

 

 

dx

[PaulScotland]

Sorry not sure I follow? Post 10?

[PaulScotland]

Yeah this one?

 

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

[dx100uk]

debt is dead then does not exist

 

 

do nothing.

 

 

dx

[PaulScotland]

Thanks for helping

[Bazooka Boo]

Lowlifes buying more lemons and chasing them, dear oh dear, Christmas come early Paul!!