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Lula

Lowells chasing old orange debt***Resolved & GOGW***

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Hi, Posting for my daughter, she is being chased by Lowells for an alleged debt that they refuse to prove she owes.

 

They started this phishing expedition a while ago and I advised her to just ignore them for a while.

 

A few months ago I got her to email them the prove it letter,

I forgot to actually post the letter

 

yesterday she got another letter, saying that they may "search her credit file to ascertain her means" .

I posted off the Prove it letter and have proof of posting

 

, my question is,

are they allowed to just have a poke through your credit file when they won't even prove that you owe the debt?

I am guessing that the answer is no, but how do we stop them?

 

Thanks in advance.


Lula

 

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what the debt all about?

is it on her credit file?

 

 

shame you responded

they know their target now

always best to send nothing at this early stage.

 

 

dx


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Hi DX, the link still isn't working, they have been harrassing her for about 18th months, I would usually ignore them but she has mental health and anxiety issues, she is classed as a vulnerable person, and this is making her very anxioius.

 

oh yes, and the alleged debt is about an old Orange account, that would surely be statute barred if indeed it existed.


Lula

 

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Go check her credit file

They have a CSL so yes the can search files


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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The purpose of these "official warnings" and threats of "imminent legal action" is psychological rather than actual. Once this is realised, the letters cease to have any effect or credibility.


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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The [removed] have put an "administration review" in March 2015 on her file and it is showing a short term debt of the amount that the alleged debt is for

Edited by dx100uk
behave - dx

Lula

 

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The admin review is a 'soft search' on her CRF, only you and they can see it.

 

If it isn't showing a default then nothing to get too worried about IMO.

 

You say this will be SB, so when was the last dealings with orange regarding this?

ONLY the creditor is able to mark a credit file, DCA's don't have that authority, and never will have, powerless fools.


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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She has had terrible mental health problems since about 2011

(this can all be verified by her medical records)

 

 

at one point they were ringing her and bullying her on the phone,

she was terrified and very confused (she never told me told me till a little while ago) that she did pay them about £60, which she never should have done ,

 

 

they hounded her, she was in supported housing and had just come out of the hospital mental health unit at the time and we didn't have much contact, so I didn't know. but they have never actually proved that she owns this debt at all.

 

She doesn't even remember paying them, she saw it on the credit file, she does remember them harrassing her to the point of distraction


Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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is the account showing on her credit file under either orange[EE] or lowells.

when did she pay this money to them and how?


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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the default was put on there in April 2012 by a "telecommunications provider" for £ 345,

the amount then goes up to £502 starting September 2013

then there is a payment of £20 per month on Sept, Oct Nov, 2013,

 

 

this is what it says on the file, she has no recollection of how she could have paid this.


Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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so looks like they charged her for the full contract term when payments stopped?

 

I would be sending an SAR to EE orange and get all the statements.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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UPDATE : They sent her a Complaint reference number and £30 as a sorry for harrassing her

 

then a few days later sent another letter saying that she should show Experian the letter they have enclosed to dissassociate her name and address from this debt.

 

they cannot prove that she owes the debt and have made it sound like they are doing her a favour by stopping any collection activities.

 

Still, at least it is sorted now and they sent another £50 :-)


Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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UPDATE : They sent her a Complaint reference number and £30 as a sorry for harrassing her

 

then a few days later sent another letter saying that she should show Experian the letter they have enclosed to dissassociate her name and address from this debt.

 

they cannot prove that she owes the debt and have made it sound like they are doing her a favour by stopping any collection activities.

 

Still, at least it is sorted now and they sent another £50 :-)

 

Who sent the compensation, orange or lowell?

If the latter, I would think that they only did so because their actions are borderline fraud/extortion.

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Lets hope this is the last you'll hear from them. :thumb:


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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Thread title amended to reflect the outcome...well done Lula.

 

Andy


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