Wescott given up - now Lowells trying.

[ODC]

Clownells specialise in buying useless debts for peanuts. These are usually ones that are approaching the Statute Barred date or ones where no CCA exists. They are so full of sh!t. They follow a predictable pattern. after a few threatening letters they will pass you to the wonderful Hamptons iLegal and then on to the equallly ridiculous Red Debt. In the end up they are all useless. Oh yes I forgot to mention the YELLOW POSTCARD which they claim to have called to see you but yet it comes in the post and demand you ring them

[ODC]

Two calls today from Lowells. Both from a girl calling herself Hannah. She claims that these calls are not harassment despite having been informed in writing that they are not to do so. So I`ve sent a recorded letter pinched from Priorityone (ta) asking for their complaints procedure and an explanation of why Lowells feel that these calls are OK.

Clock ticking fast on their non production of a CCA as well.

DO you feel harrassed. YES well then it harrassment. IN spite of what Hannah may say. Simple thing is not to answer them but log all their calls. If you mistakenly answer them do NOT reply to any of their security questions and tell them you are recording the call. They will soon get the message. You can then expect them to pass you over to Hamptons iLegal but without a CCA they can do diddly squat:-D

[ODC]

Tell them that they must provide you with details of the alleged debt and their right to collect it or you will report them for attempting to obtain money by false pretences.Do they think anyon would be daft enough to pay up for somethng which they know nothing about

[ODC]

If they say its not regulated by the CCA then its probably a utility bill or mobile phone bill. Then again it is Clownells we are talking about and they could say anything

[ODC]

When out of time on CCA requests they apparently back date letters as well!!

They cannot bacdate the postmark though. MUPPETS:D

[ODC]

All the correspondence that I have received from DCA have no post mark on them as they seem to have a special way of getting around this therefore they can backdate letters as when it is necessary for them to do so and to pile on the pressure on individuals.:evil:

There should be on the rear of the envelope a date and time from the sorting office it went through

[ODC]

Leeds Coaching Station, 1839.

 

Perhaps it depends on where you live and the sorting office involved. Most of Lowells 'purchased' debts are so old, they are still operating on the Julian calendar anyway so it's probably better for them not to put dates on things. One day you may be lucky and get a 'penny black' from them.

Clownells are so busy they even work on Christmas Day. Well I did get a letter dated 25th December once. MUPPETS:rolleyes:

[ODC]

I too got a letter from Lowells stating that the agreement was not a regulated credit agreement etc. etc. Wrote last week asking for a copy of the agreement anyway and what legislation it is governed by that gives them the legal powers to demand payment.

Oh dear that will confuse them all at Clownells. You will probably get something along the lines of '' As you have failed to reply to our repeated requests for payment we have passed this overdue account on to our Legal Deapartment who will be instructed to institute proceedings for full recovery of this long outstanding amount. Blah blah blah blah.

 

If you are really lucky you will get one of the famous Yellow Cards:D

[ODC]

Despite asking both on the phone and in writing that Lowell do not contact me by phone, they have continued to call 3 + times a day. Last week my husband answered the phone to them and decided to give them some of their own medicine and asked to take them through some questions for security reasons ie. full address and postcode etc. the caller replied "there's no need to get so aggressive" is this not how they behave?

They call it agressive when you try to confirm who you are talking to.You have as much right as they have to establish someones identity:-)

[ODC]

And today I get the next standard threat.`As you have failed to contact us (despite their signing for two recorded letters) we have now been instructed (who by?) to appoint an agent in your area to visit your home etc etc`. To prevent this unwanted intrusion I MUST contact them URGENTLY.

I think I`ll just send them a copy of the letter I`ve seen somewhere on the site re only the postman and emergency services (??) are allowed to call.

What should I expect next from these berks?.

Firstly remember that a doorstep caller from a scummy DCA has ABSOLUTELY NO RIGHTS WHATSOEVER. In the highly unlikely event of one calling at your door advise him that he is trespassing. Refuse to discuss anything with him. Demand he leave your property forthwith. If he fails to do so reasonable minimum force may be used under common law. In practice though its much better to contact your local police and report a breach of the peace.

 

Also contact the morons and tell them that you withdraw any right implied or otherwise for one of their agents to visit your property. Remind them that should they send someone they will be jointly liable as they instructed the doorstep collector in spite of you express wishes