hey, wanted to update on this.. Sent an email to Jill Senior, the director that signs off on the letters etc.. plus also an email to customer relations.. took two weeks but got a letter in the post saying they received my email and they believe the debt is mine! But, they're not going to pursue the debt so the account is closed.. Basically they didn't provide me with the information i requested in my letter, but still cheeky enough to claim that it's my debt without proof. **** off Lowell.. Thanks for all your help

right ok.. Then it's best NOT to respond at all to this... despite CCJ action, threats, etc.. I can understand given the small amount, but I've been in a position before with a train company for an unpaid fine of £90 that went to court and turned out to accumulate £600... I ignored the train company too and that didn't work. So this time around, I'm a little apprehensive you see..

Yes, ive had a look there... what's the beef with this site? Thanks all, Appreciate the advice... I am responding because some say Lowell are pretty quick to get their legal to send out CCJ. The more work give them by getting them to prove it, the less money they make. I'm guessing that by sending them the letter above will get them off my back, since this debt has bounced around between 3 different DCA's.. Lowell are the only one's that have threatened CCJ action, so I figure I might as well stall it and give them some work to do.. For £160 I think they'll realise it's not worth it after the "prove it" letter What do you think?

Thanks all, Appreciate the advice... I am responding because some say Lowell are pretty quick to get their legal to send out CCJ. The more work give them by getting them to prove it, the less money they make. I'm guessing that by sending them the letter above will get them off my back, since this debt has bounced around between 3 different DCA's.. Lowell are the only one's that have threatened CCJ action, so I figure I might as well stall it and give them some work to do.. For £160 I think they'll realise it's not worth it after the "prove it" letter What do you think?

fkofilee - thanks.. As per my last post, I don't want to enter into a email "ping-pong" or lead them to think that I've consented to email correspondence. What wording should I use in the letter to them? This is what I have so far : Dear Jill Senior 11/03/2015 With reference to xxxxxxxxx You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to Lowell Financial LTD. I have received a Pre-Legal Assessment letter from you recently. I am familiar with the Consumer Credit sourcebook of the Financial Conduct Authority (FCA) which states the following rules. "A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3 "A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1 "Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3 In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the FCA of your actions. I look forward to hearing from you. Yours faithfully Enough?

what letter should I send them? thanks!

bump

Hey, thanks for the swift response... . So I keen on getting a letter across asap.. You say email the contacts above.. Should I not ask them to supply a Notice of Agreement? I've not even been told that this debt was transferred to Lowell from the previous DCA.. This Pre-Assessment letter just turned up.... Also, I was in dispute with Orange at the time, but nothing was resolved.. Would a letter not be better? I don't want to agree with Lowell that I'm OK with corresponding via email.

HI, I would like to ask for some help from you all, as I'm a bit confused.. I've been reading on this site and looking at several others to get the best course of action. I had a mobile contract with Orange years ago, I had long disputes with them about not getting appropriate service where I lived at the time, they said it was my fault for moving to that area and not checking before moving (I had no choice), even though I couldn't get service.. long story short is they wouldn't offer me anything to exit the contract and and so stopped paying.. Account start date 11/10/2007 Opening balance £ 160 Repayment frequency Monthly Date of default 04/08/2010 Default balance £ 160 Now, this debt has bounced around from one DCA to another, the last DCA I can't even recall... But now Lowell have it.. I've not received anything from Orange, or the previous DCA about the transfer to Lowell. The only thing I've received recently is a Pre-Legal Assessment letter stating the usual "pay now or CCJ action" etc.. .. They claim they have sent previous letter/s (???) Firstly, Where do I begin? Do I ask for a Notice of Agreement or a CCA? Secondly, I'd like to also highligt to them about their use of threatning language according to OFT guidelines: Letters presuming the awarding of a Judgement (e.g. stating “when Judgement is granted…” as opposed to “if Judgement is granted…”) Lowell uses the language 1. "you WILL receive a CCJ for the amount outstanding" 2."the CCJ WILL be registered against you unless you file a genuine defence" Please help with your thoughts and how best to approach this meagre £160 debt. Thank you in advance. Mig