Ok I won't send out this letter. Thanks for the heads up.. What would be the best next course of action Thankyou

Ok thanks for that I received a sar and it said the same amount so no charges have been added. The only thing different is O2 said I need to contact Westcott as that's who they sold it to and not to deal with lowells :s so basically there note of assignment. Is fraudulent as they say they bought it off O2 when they never

here are the letters mate

followed by NON-NEGOTIABLE of the family: C/o Your Address Your Address Your Address Your Address CC: Collections Department 2nd July 2012 This is NOT a complaint, a query, a request for a statement/agreement and is NOT to be treated as one. By doing so, you will agree to pay £5,000.00 in damages. Do not refer to me as Mr/Mrs/Ms or any title, which is a legal fiction and is not me. By doing so, you will also agree to pay £5,000.00 in damages. Re: Account/Credit Card/Reference Number: Dear Mr/Ms I wrote to you on requesting the following documentation, so that I may settle any financial obligation I might lawfully owe: 1. Validation of the debt (the actual accounting); 2. Verification of your claim against me (a sworn affidavit or a hand signed invoice in accordance with Bills of Exchange Act (1882) ); 3. A copy of the contract signed by both parties and therefore binding both parties. You have failed to provide the aforementioned documentation to validate your claim. Your said failure to provide this aforementioned documentation, has now constituted your agreement to the following terms: 1. That the debt did not exist in the first place; OR 2. It has already been paid in full; AND 3. That any damages I suffer, you will be held culpable; 4. That any negative remarks made to a credit reference agency will be removed; 5. You will no longer pursue this matter any further. 6. You have not proven any debt, if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule £(3X what they are claiming) for dishonouring our agreement, £1000 per hour or part of it of authorised representatives time nunc pro tunc, £1000 per recorded delivery or any other form of response nunc pro tunc also any further contact is now not necessary, if however you deem a need to contact me by phone or letter the fee is £100 per item payable in advance, place the cheque in the envelope, if no payment is made in advance the fee will rise to £1000 per item and you will also be held culpable for any cost incurred while recovering the debt you owe. Yours sincerely, By: By: Sovereign of the family: Authorised Agent and Representative for No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT RECOURSE – NON-ASSUMPSIT Calls maybe recorded

what do you reckon of this letter as to me they havent proved anyhting.. if i send this to them > NON-NEGOTIABLE Anthony of the family: Brown C/o 156 great meadow Chorley Lancashire PR71TB James Cornell Officer Lowell Group Enterprise House 1 Apex View LEEDS West Yorkshire LS11 9BH CC: Collections Department DATE OF LETTER:24/1/2014 This is NOT a complaint, a query, a request for a statement/agreement and is NOT to be treated as one. By doing so, you will agree to pay £5,000.00 in damages. Do not refer to me as Mr/Mrs/Ms or any title, which is a legal fiction and is not me. By doing so, you will also agree to pay £5,000.00 in damages. Re: REF NUMBER 142350156 Dear Mr Cornell I wrote to you on requesting the following documentation, so that I may settle any financial obligation I might lawfully owe: 1. Validation of the debt (the actual accounting); 2. Verification of your claim against me (a sworn affidavit or a hand signed invoice in accordance with Bills of Exchange Act (1882) ); 3. A copy of the contract signed by both parties and therefore binding both parties. As you have failed to provide the aforementioned documentation to validate your claim, I hereby give you ten (10) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within ten (10) days, from the above date, to validate the debt, will constitute your agreement to the following terms: 1. That the debt did not exist in the first place; OR 2. It has already been paid in full; AND 3. That any damages I suffer, you will be held culpable; 4. That any negative remarks made to a credit reference agency will be removed; 5. You will no longer pursue this matter any further. 6. You agree to pay all fee schedules. Yours sincerely, By: By: Sovereign of the family: Brown Authorised Agent and Representative for No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT RECOURSE – NON-ASSUMPSIT Calls maybe recorded

ahhh ok i will try do that now

here are the letters

hi all me again. i recieved a letter from lowlifes today regarding my account, they sent me a statement which o2 sent to them allegedly, this klooks like a made up spreadsheet as o2 have my old address not my new one and all iot says is account balance, nothing else. i contacted o2 requested the sar, and this said that it was sold on to wescott, now lowells claim they bought the debt off o2 but o2 basically told me that this is lies. where do i stand thanks

I phoned them once and haven't spoke since. I sent the letter that all correspondence. Should be in.writing and no.door step collectors etc as it will be deemed as harassment.. What I don't understand is wholly they sent me upon requesting only 2 of the 3 notices of assignment

Yes they are with different company's which is good. And I will send off the sar. The debt is sb in December so maybe I should leave the big one. There's a few other debts that I need to address but I thought I would test the water with lowells aka lowlife haah

I'm going to send the sar to the 900 pound one.what is the br 750 threshhold if you don't mind.me asking

Yeah they are all mobile phones mate was silly when I was younger

Yeah notice of assignment sorry. Therewere 3 of them one is for £120 one is for £320 and the biggest is £900+ all with different providers.. Now I don't understand why they sent me assignments for 2 and not 3. What do I do now is there another letter to send.. The biggest one is statue barred after a year

Hi I received a reply from lowells after sending a cca. They informed me they didn't have to send one as it's a service agreement etc. There was 3 accounts in question. They sent me a deed of assignment for 2 of them but nothing for the 3rd ( which is the largest one) only a letter saying I owe x amount. Where do I stand with this if anybody knows. Thankfully they sent my £1 back and didn't take it as payment.thanks on the accounts lol

Not my Sat I was a penniless 18 year old I bet there was only 1000 in the bank in total over the year