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BPO for Lowells - 50% discount on old O2 - debt

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My neighbour, who has literacy problems, has asked me to help him in regard to a letter from BPO Collections.

 

The letter states that they are offering him the opportunity to "save" 50% on his Lowell account which is for an alleged debt to O2 (UK).

 

He denies any knowledge of this debt.

 

Am I right in thinking that the first course of action should be a standard prove it letter?

 

Thanks for any help.


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And he has never owned a mobile or had any contract for mobile usage ?

 

Andy


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Only his present one which is with vodaphone.


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Check his credit file


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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OK, will do, when I can get hold of him later.


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The plot thickens.

 

Just got hold of him and checked his credit file (which he had never done).

 

His current phone contract is with O2 not Vodaphone as he thought.  The contract was taken out in July 2018 and is up to date, No arrears.

 

No other phone contracts listed.

No defaults registered

Greens all the way.

 

Thanks.


REMEMBER! Hunger is the enemy - NOT the hungry!

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i'd prob ignore them then

unless he gets a letter of claim.

sounds like a like name phishing attempt.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks for that.  I thought it sounded fishy with them offering a 50% discount.


REMEMBER! Hunger is the enemy - NOT the hungry!

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Just an update to this.

He has now received a letter from Lowells about this demanding money.


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care to scan it up?

read upload use PDF only.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Will do once I can get the letter back from him.


REMEMBER! Hunger is the enemy - NOT the hungry!

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Copy of letter as requested.

Lowell Letter.pdf


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begging letter

 

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes, reckon BPO passed it on to Lowells when the got the "prove it" letter.


REMEMBER! Hunger is the enemy - NOT the hungry!

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Bpo are lowells


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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does the account number match with anything he has currently?

he should SAR O2 and ask for full details of everything they have on him esp this account. If they admit they has mixed him up with someone esle the he should be telling them to correct all the errors and make a suitable payment for the breach of the GDPR. That should be £250 cash, not a £50 voucher.

dont bother about Lowells unti he gets a response to the SAR

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Hi,

 

Had already sent a SAR off.  Just waiting for it to arrive.


REMEMBER! Hunger is the enemy - NOT the hungry!

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Lowells have responded with the attached letter.

Lowells Letter 2.pdf


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well any monthly charges till end of contract on a service that was disconnected and he could not use are unlawfull..

 

Subject to the above, should the alleged amount claimed include an early termination charge(s) amounting to the total balance of the remaining contract, OFCOM guidance clearly states that any Early Termination Charge, that is made up of the entire balance of the remaining contract, is unlikely to be fair, as it fails to take into account the fact that the provider no longer has to provide and pay for their service. 

 

letter of claim next from Lowell solicitors I expect

comeback if he gets one as he MUST reply.

but in the correct way!!

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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OK DX.  He is still waiting for the SAR from 02 and written confirmation that the O2 Fraud department are investigating his claim that this is a case of fraud.

 

The address that Lowells quoted in the letter is a very old one and he states that he was not living there at the time.


REMEMBER! Hunger is the enemy - NOT the hungry!

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sounding more like ID theft to me from someone using his personal details gandered from letters sent to his old address by anyone after he moved out and he failed to tell everyone he'd moved I bet....

 

as long as lowells have his correct address now and I will assume they have as you sent them the old prove it letter...

i'd let them get on with it until/unless he gets a letter of claim from Lowell solicitors.

 

dx

 

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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