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Lowell Awakened by IVA


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I have received a letter from Lowell saying they have been supplied information that a lived at ****** address and they will assume this to be correct if I fail to get in touch. Problem is the debt dates back to 1999 this is when I moved out of the address they are asking about 8 1/2 years ago. I don't think there has been any acknowledgement in the last 6 years of any debt to Lowell, so how would be best to attack this???

 

I am currently in the process of entering an IVA in order to get myself sorted out financially, and think this process has alerted them to me. I don't really need the stress of bullies chancing their arm, if legally their time is spent. Should I ignore them or send the statute letter?? Help please!!!!! :sad:

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As you seem to be saying that the debt is yours (allbeit no longer enforceable) I would send them the statute barred letter. Lowells are renowned for buying statute barred debt and hoping people don't know about the statute of limitations.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Rory. Thanks for the quick reply.

Thing is I don't know to which debt they refer. They have supplied no details. It just seems to be a letter fishing for me to admit to previously living at the address in question, however, if I do not respond they will assume my guilt, and if I do respond I admit my guilt. Thus is my dilema

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Okay I see, they haven't actually given you any account details or anything like that. In that case I would just file the letter and not respond.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Just a thought. You may want to get copies of your credit reports just to make sure they haven't lodged anything on them.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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In cases such as this where there is no specified debt and they are just purely fishing for information, it is in your own interests to totally ignore them.

 

They have no right to approach anybody requesting information of any kind. Whether they are right or wrong in their assumptions is totally irrelevant, they are waiting for you clarify the dubious or inaccurate information they hold, and by responding you could be leaving yourself open to a form of entrapment.

 

Remember, they have absolutely no authority whatsoever. Ignore them.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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I agree with Danny here.

Ignore this untill they come back with something more substantial, like an account number and/or Original Creditor.

 

Fishing for information in this way is against the OFT collection guidelines.

sending demands for payment to an individual when it is uncertain that

they are the debtor in question, for example, threatening debt recovery

action to 'the occupier' or sending a payment demand to all people sharing

the same name/date of birth as a debtor in the hope that contact with the

correct debtor will be made.

AND

requiring an individual to supply information to prove they are not the

debtor in question, for example, driving licences, passports, full name,

date of birth, signatures

Be VERY careful whose advice you listen too

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