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parker6650

Lowell chasing numerous 3 Mobile debts

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ive been receiving letters from Lowell asking for payment of an old debt.

 

I think I owe the money but im not too happy about the amounts they are saying I owe,

and im not going to pay a figure that they say I owe

 

don't they by law have to send me proof of the actual true amount owed before they can threaten me with court.

 

any help out there would be very much appreciated thankyou.

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Would not worry about it. Sounds like a fishing letter, which you don't respond to.

 

Check your credit record first to see if the debt is still showing and then come back to report what you have found.

 

If the debt has not been paid or acknowledged for 6 years, it will be statued barred, so not enforceable.


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Lowell have 3 defaults on my credit file.

telecom accounts

 

3 mobile which I took out back in 2013 I think !!!!

file opened on the 1st april 2014 /

another file was opened on 23rd april 2014/

and the other was 17th july 2012

the toal cost was £1400

 

as ive said I have received letters and even a solicitors letter although there is no court action threat,

and now I am starting to get the odd text from what appears to be a solicitor mmmm

 

anyway its all getting a bit annoying now.

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Retain everything you receive and store it safe for future reference.


We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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thanks andy I will :)

 

I made an error on my last post

 

the file opened dates are

1: 2014

2: 2011

3: 2012

 

ive also noticed some very old defaults on my account back in 2007

how can I get those off my credit file?

Edited by parker6650

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Defaults from 2007 should not be showing


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Do you mean markers in the calendar section or and actual defaulted date in the debt summary


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there is a default date on the main page and a account start date on the file when I open it.

 

im very confused as to the actual true dates of these accounts as it was a long time ago.

 

don't the debt collectors have to produce proof of debt before they can force any form of payment from me.

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Might be best to list your debts


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who do I send the "prove it" letter too if I decide to go that way

 

is it lowells or lowells solicitor or both

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Not worth sending such letters.

 

Reason for us asking exactly what debts these are, is to identify exactly what you owe and best way to play this.

 

Are these debts for phones you were buying ? Airtime contracts ?

 

Did you have problems with phones or service ? Did you register complaints ?

 

Only reason to contact Lowell would be ask for original creditors details including reference numbers, so that you could contact companies you owed debts to for more information i.e. The contract and a breakdown of any debt left.


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don't enter pointless letter tennis!!


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The accounts where for 3mobile 4years ago and I was living in Scotland at the time.

 

I've long since moved to England after getting divorced.

 

They sent me a solicitors letter last week but there was no court action mentioned on the letter, intact the letter itself wasn't even signed and all they where saying was to contact them for payment options.

 

Oh and the value of the debt is £1200

Edited by dx100uk
merge

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and you didn't/have not informed your original creditors [not just these debts too!] nor the debt buyers [or their stated client]

of your correct address?

 

so you just ran away?


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Nope

 

I was suffering from depression at the time I left so wasn't really much bothered about anything else. Wrong of me I know

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ok

what does your credit file say about these debts please

 

it would be far better for us if you list EACH ONE on your file as well as any being chased that are not.

 

original creditor

credit type

date of takeout

owning

date of last payment

who is shown as the owner on your credit file now.

defaulted date

 

 

were ALL these opened whilst resident in Scotland too


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Is that one account owing of 1200 quid or have Lowlifes been bone idle and lumped all accounts together hoping you won't notice?


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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Hahaha no mate it's 3 seperate accounts and I did take them out but it was a long time ago and I have no idea how much I owe, and I'm sure as hell not going to pay the amounts they say I owe without any evidence of such.

 

All they have stated in any correspondence is the amount I owe and that I should contact them asap.

 

They have also sent a solicitors letter and stated I should make all correspondence to them although the letter has no signature on it. Mmm mmm very confusing

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ok you seem a wee bit green so lets cross some I's and dot some t's.

 

1st ..a debt collector, nor their fake/tame paper solicitor have ANY LEGAL POWERS.

they ARE NOT BAILIFFS

 

2. all the letters are auto generated, and will all come from the same PC system/printer with differing letterheads.

 

3. they have purchased the debts for

 

4. you are not expected under Ofcom guidelines to be charged 'till end of contract' monthly sums, as that is unfair and unlawful.

 

5. the accounts were taken out whilst resident in SCOTLAND that means after 5yrs from last payment the debts are EXTINUQUISHED..gone dead parrot.

 

so

twice now ive asked for a list of your debts concerned here, and what we need to know...

 

help us to help you..


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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Ok sorry mate I will get back on my credit file and do a list for you, and I really appreciate all your advice

Will get back soon

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