Lowells and an old 3 Mobile Account

[bugsbottom]

Good Day

 

I would like to ask for help please

 

I am in contact with our friends from Lowells ref an alleged mobile phone debt. I was bombarded with letters stating that they had bought the debt and that I owed more than £450. Now I did have a 3 mobile account, it was terminated quite properly in March 2014. Payments, were made by direct debit and there was no outstanding airtime balance or early termination fee.

 

I finally got tired of Lowell, so sent them a templated 'Prove It'. They responded that collection activity on my Panther account had been suspended. Panther is an EE/Orange tariff. I have never had an. EE/Orange contract

 

Today I received the 'Prove It' response. The alleged proof, all they sent, is my FINAL BILL for £76.08 twice my monthly payment. I guess that as a final bill, the last 2 months are charged as such accounts are billed in arrears. No issues with that. No mention of anything else.

 

On the FAQ sheet, rear of the letter it states "The original creditor has only been able to provide the enclosed statements"

 

However, they also claim that they are entitled to claim Early Termination Charges which may not appear in statements.

 

I have never received notification from either 3 or Lovells regarding assignment of the alleged debt. I paid the last bill a few days late as I was working abroad, but that was never challenged. It should have gone through by direct debit, but I had changed my account details after changing jobs. I notified 3 of this and they replied that the final bill could be paid via Giro Credit. They even sent me a slip. This was paid accordingly. I have records.

 

I am happy to do battle with this parcel of rogues, but I don't want a sneaky CCJ.

 

Is this a fishing trip?

Can they tack on charges not covered in a final bill?

 

Any pointers would be welcome. Thank you.

Edited November 14, 2016 by bugsbottom

[unclebulgaria67]

What i would do is send a complaint to 3 mobile head office, stating that you settled your last bill with them and are confused by why they have passed an alleged debt to Lowell.

 

Send a copy of the complaint to Lowell.

 

If you just ingnored Lowell, they might issue a court claim at some point.

 

Check your credit record for a default,

[dx100uk]

Well lowlife have your correct address so they can't get a backdoor CCJ

 

And no they can't add anything

 

If you do anything. Complain to 3 about unfair termination fees

Pers I'd ignore Lowell's

They are not bailiff s

And have no legal powers

[bugsbottom]

Thanks for the advice. So back billing is not allowed for com's companies? l read somewhere that energy suppliers have limited rights to do so. l am particularly interested in this aspect as l intend to complain later. For the record, no proof has been provided, only 1 bill.

[unclebulgaria67]

Thanks for the advice. So back billing is not allowed for com's companies? l read somewhere that energy suppliers have limited rights to do so. l am particularly interested in this aspect as l intend to complain later. For the record, no proof has been provided, only 1 bill.

 

Lowell can't add anything. All you would owe is a debt per the contract terms with 3 mobile. So it is not about back billing.

 

3 mobile will have industry standards to meet in regard to sending you bills that are accurate and in a timely fashion. So if you owed anything 3 mobile should have written to you.

 

You need to start a complaint with 3 mobile and get them to prove the debt. If you advise lowell of the complaint, they should put it on hold.

 

For energy, there is a specific back billing set of rules, which you can find online.

[Bazooka Boo]

Ignore lowlifes completely, deal DIRECT with 3. And exhaust their complaints system.

 

Three Customer Services

Hutchison 3G UK Ltd

PO Box 333

Glasgow

G2 9AG

http://www.three.co.uk/Contact-us/i

 

Ensure you get 'proof of posting' from the PO counter, which is free.

[bugsbottom]

This has put my mind at rest.

Can l assume that Lowell's have acted improperly,

not only by commencing this farce,

but also by intimating that they have a right to collect monies not mentioned on the sole document they can produce, which clearly states Final Bill?

[Bazooka Boo]

All DCA's act with near impunity, Lowlifes are no different, and when found out, claim it was an 'admin error'.

 

But we know different, they're attempting to exploit a debtors lack of knowledge.

 

Hammer 3's complaints process.

[bugsbottom]

Thanks again for the advice.

 

 

I know from both reading and friends' experiences that Lowells in particular are not a nice bunch.

 

 

Their bungling importuning has upset me mildly

but I want to ram it home to the Job Creation Scheme fool in the cheap suit in Leeds,

that bullying and lying is not the way to run a show.

 

 

I will complain to 3 but also Lowells.

Edited November 14, 2016 by bugsbottom

[dx100uk]

not much point

nothing is ever done

that's how DCA's make their money.

 

 

if people simply stopped paying DCA's totally the whole industry would collapse

[Bazooka Boo]

if people simply stopped paying DCA's totally the whole industry would collapse

 

Exactly, and OC's would stop farming out their accounts due to the debtor not paying powerless DCA's.

[bugsbottom]

Guys, I hear what you are saying. Although this infuriates me,

I am going to take the most effective course and hammer 3.

 

Thanks again for your input, it is much appreciated.

[thunderballs]

Well, I have a complete list of Lowell's email address contacts, and also a fair number of Three Mobile's lackeys too - happy to send this by PM if you need it.

[Bazooka Boo]

Well, I have a complete list of Lowell's email address contacts, and also a fair number of Three Mobile's lackeys too - happy to send this by PM if you need it.

 

No, don't send it via PM, if anything, publish it on here so others have the advantage of using or even correcting the information you're giving out.

[dx100uk]

please don't

we've already had to remove previous lists by TB.

 

 

dx

[thunderballs]

I sent a previous copy to site admins - I don't recall ever publishing it on site.

 

 

And if someone has, could I ask the reason why it did get removed?

[dx100uk]

no you are correct TB

you must be telepathic...

I was just coming back to the thread to state that.

 

 

sorry

dx

[thunderballs]

Do you know if it was ever used?

 

 

Besides, in any case it's already been published external of this site now.

[bugsbottom]

Today, l received notices of assignment, one from Lowell, the other purportedly, from 3. Both arrived in same envelope, both use same font, both have the same QR code, both have Lovell's headers and neither is signed. Both dated same date, months previously.

 

Still no explanation of claimed sum, breakdown or any other info.

[dx100uk]

std NOA then

they are allowed to use OC letterheads etc

[bugsbottom]

Ref NoA yes, I believed so.

 

 

Bizarre because I had paid this bill and have a receipt from the bank counter.

 

 

The contract had lasted longer than the compulsory 2 years any way, so I can't imagine where a termination fee comes from.

 

 

I have had yet another letter demanding payment.

 

 

I have replied to Lowells stating that as the matter remains in dispute, they must cease seeking to obtain payment and making a formal complaint. I have also written to 3 Mobile asking for clarification.

[thunderballs]

No, don't send it via PM, if anything, publish it on here so others have the advantage of using or even correcting the information you're giving out.

 

 

 

Where I was coming from as regard that list, is that it really irritates DCAs if you've copied in all of their staff members (and a fair number of OC email addresses as well), as opposed to just one email address.

 

 

Plus, it pretty much guarantees a quicker response if they're getting 300 emails (across different employees) as opposed to just one - if it incurs wasted cost and time to the DCA or OC, then that's their problem.