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Lowell chasing creation car insurance finance debt

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I noticed your problem with Lowell we have a similar problem which can out of the blue approx 3 weeks ago.

 

We received a letter from Lowell out of the blue saying we owed an amount regarding a outstanding balance on some car insurance we cancelled over 4 years ago.

 

We have never had a letter asking for payment from the insurance company concerned.

 

After finally tracking it down the Insurance said the amount is outstanding but not to them but to creation finance but to get a letter after 4 1/2 years seems strange to them.

 

My husband rang Lowell asking for more information and the guy was not very helpful just said are you paying the amount today. My husband replied no not till I find out what it is in connection with as I dont know if the amount is outstanding.

 

Can Lowell take this claim any further or are we ok to ignore them. we have never received a letter from Creation asking for the amount. The letter also came to our new address not the old one where the policy was connected with.

 

Any advise is welcome

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You need to start a new thread of your own

And never talk to a dca

They are not bailiff s


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We received a letter from Lowell out of the blue saying we owed an amount regarding a outstanding balance on some car insurance we cancelled over 4 years ago at our old address.

 

We have never had a letter asking for payment from the insurance company concerned.

 

After finally tracking it down the Insurance Company said the amount is outstanding but not to them but to creation finance but to get a letter after 4 1/2 years seems strange to them. They no longer deal with creations and the insurance company are not chasing the amount.

 

We spoke to creation who past us to Lowell

 

My husband rang Lowell asking for more information and the guy was not very helpful just said are you paying the amount today. My husband replied no not till I find out what it is in connection with as I dont know if the amount is outstanding.

 

Can Lowell take this claim any further or are we ok to ignore them. we have never received a letter from Creation asking for the amount. The letter also came to our new address not the old one where the policy was connected with.

 

Any advise is welcome

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Firstly

Stay off the phone

Lowell's are a dca

They are not bailiffs

And have no such legal powers

 

Creation must have financed the monthly payment scheme?

 

Is their anything on his credit file?


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We have only connected Lowell once and that lasted about 2 minutes. Nothing showing on his credit file

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Right so there was a policy and it was paid via 12mts scheme financed by creation?

When was this?


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Yes will had a policy in may 2012 cancelled it in july 2012 2 payments debited our account by direct debit.

 

The direct debt mandate was live on our account for a further 8 months with out any \mounts being claimed.

 

September 2016 we receive a letter from lowell saying they had bought the debt and to contact them to pay.

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if you cancelled the insurance policy have you proof?


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The insurance company said there was a fee for cancelling the policy but it was payable to creation finance not the insurance company.

 

The insurance company have never chased the amount and neither have the finance company just this debt collecting agency nearly 5 years later.

 

A little puzzling

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have you moved since then?


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Single Premium PPI Q&A Read Here

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Yes, Lowells (aka bowels) are a bunch of cheeky Bs. I just got a Court Summons in today for an alleged debt that is well over 6 years old. I'm going to post a new thread about it and another one that came in today (not a Court Summons) for something that is...wait for it....at least 12 years old!

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Hi

 

Yes we have moved but the property is currently being rented out so any odd bits of post is passed onto us.

 

The letter from Lowell came to our new address nothing had been sent to the odd address.

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No it was some incurance cover we had and cancelled when we sold the car.

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Suggest you write back to Lowell stating that neither the Insurance company or creation finance ever wrote to you about this alleged debt and therefore you are unable to consider the matter further. Ask them to furnish you with copies of Creation Finances correspondence regarding this and a copy of the terms and conditions of any agreement held with Creation Finance. Get proof of posting, if not sent recorded, as Lowell have been known to lose post.


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Ignore now rather than more letter tennis

 

If they are stupid enough to issue a claim form

Pop back here


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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