Lowell/carter and old o2 debt

[Boppy]

Hi,

 

I've received this letter this morning dated 4th January

 

FINAL NOTICE

 

Dear ****

 

RE Lowell Financial Limited

Account No *******

Outstanding Balance £611,88

 

We have been instructed to act in connection with this outstanding debt which seriously overdue.

 

This matter will be referred for court proceedings to be issued in 10 days if payment is not received at our office by that date.

 

Court costs and interest will be added to your debt if necessary to go to court and therefore the outstanding debt will increase.

 

You must make payment before the 14th January 2011 if you wish to avoid the matter going to court.

 

Then there's some bits about how I won't be able to get debt for 6 years etc and a telephone number to pay.

 

It the states it's at a critical stage and I might wish to seek legal advice

 

I've been reading around all afternoon but I hadn't realised I had until Friday to sort this out hardly 10 days!

 

 

Also who are Lowells?

 

 

I have no idea what this debt is for so was going to send the bemused letter but is it going to be too late?

 

 

The postmark on the letter states 7/1/11 and was posted 2nd class so they never intended to give me 10 days anyway

 

What can I do? Will it get taken to court? Please help.

[Revenant]

Hi,

 

I've received this letter this morning dated 4th January

 

FINAL NOTICE

 

Dear ****

 

RE Lowell Financial Limited

Account No *******

Outstanding Balance £611,88

 

We have been instructed to act in connection with this outstanding debt which seriously overdue.

 

This matter will be referred for court proceedings to be issued in 10 days if payment is not received at our office by that date.

 

Court costs and interest will be added to your debt if necessary to go to court and therefore the outstanding debt will increase.

 

You must make payment before the 14th January 2011 if you wish to avoid the matter going to court.

 

Then there's some bits about how I won't be able to get debt for 6 years etc and a telephone number to pay.

 

It the states it's at a critical stage and I might wish to seek legal advice

 

I've been reading around all afternoon but I hadn't realised I had until Friday to sort this out :jaw:hardly 10 days! Also who are Lowells? I have no idea what this debt is for so was going to send the bemused letter but is it going to be too late? The postmark on the letter states 7/1/11 and was posted 2nd class so they never intended to give me 10 days anyway

 

What can I do? Will it get taken to court? Please help.

 

Hi Boppy

 

Firstly try not to panic . . not easy I know

 

If you have no knowledge of the alleged debt get a "Prove it" letter in the post tomorrow . .

 

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

Fill in the relevant details, print your name (NO signature) and send recorded delivery so you can track it . . this at least will delay them

 

There are experienced caggers that know how to deal with BC effectively so I'm sure more advice will follow

 

Good luck

 

R

[Old Cogger]

send prove it letter, Lowells (Lowlife) - give us give more details what is the debt for if you know, give any info you may have or wait and see what they produce, court no panic threatogram stage at present. 6 years well a long way down the line they would need a CCJ from the courts . also when last payment made etc etc.

[jimbo45]

Hi there

First of all request "WHAT DEBT"

next request their authority for collecting it

if you haven't already done it get off a CCA request.

 

This should buy you some time --meanwhile others can add on what to do to fend these ODIOUS (Lowell group etc) **** off your back.

 

Note also everything in WRITING --no phone calls and with this lot GET PROOF OF POSTING --this firm Lie, steal, cheat and do anything else to try and make you pay up.

 

Cheers

jimbo

[PGH7447]

no need for a cca yet, a simple prove it letter will suffice

 

also is this the first contact they have made? if yes report them to the oft

[Boppy]

no need for a cca yet, a simple prove it letter will suffice

 

also is this the first contact they have made? if yes report them to the oft

 

Yes this is the first contact they have made, thanks for all advice, it's all very worrying I really can't think what the debt is so I'm a bit stumped, don't get me wrong I do owe a few debts but this amount doesn't ring any bells at all, will get the Prove It letter sent tomorrow and then go from there. x

[harrassed senior]

An oft used 'trick' altering the amount allegedly owed. There really is no need to worry at this stage as that is exactly what they hope will push you into paying them some money!!

 

It is for them to prove beyond doubt that you owe money, and that they have the right to collect. Court is a long way down the road yet and can easily be defended at this stage of the process should they be stupid enough to carry out their baseless threats.

[PGH7447]

as this is the first contact report them to the OFT, for breaching the guidlines of threatening court with out first giving you a chance to verify this alledged debt

[Boppy]

as this is the first contact report them to the OFT, for breaching the guidlines of threatening court with out first giving you a chance to verify this alledged debt

 

Where would I find the details to report them? I have heard they are a horrible company so I'd love to report the scumbags! I've worried all day about this so thank you everyone for reassuring me. x

[Old Cogger]

FOS site should give you a complaint form to fill in (Financial Ombudsman Service)

[Boppy]

Just thought I'd update -

 

I received a response this morning...

 

Dear ****

 

We thank you for your communication regarding this account.

 

We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions.

 

In the mean time, we confirm that we have placed the account on hold

 

Yours Sincerely,

 

Bryan Carter

 

What happens next? How long will getting further instructions take?

 

Thanks everyone. xx

[DonkeyB]

As usual, Carter issues threats with no knowledge of the account. Typical rentasolicitor drivel.

 

They will, hopefully, go away.

 

These Lowell accounts are usually very old mobile phone accounts nearing the SB limit – does that ring any bells?

 

If the account has been sold to Lowell, you should have received a notice of assignment at some point.

[Boppy]

As usual, Carter issues threats with no knowledge of the account. Typical rentasolicitor drivel.

 

They will, hopefully, go away.

 

These Lowell accounts are usually very old mobile phone accounts nearing the SB limit – does that ring any bells?

 

If the account has been sold to Lowell, you should have received a notice of assignment at some point.

 

Ohhh come to think about it, it could well be a mobile phone account

[Danny27404]

What's Bryan carters phone number? I am looking for their number I cant remember how much/IF i owe them they been taking DD for 3 years and i just realised thanks.

[PGH7447]

if you think it is a mobile account then contact the provider and get a statement, forget carter,

[Boppy]

I posted before after Bryan Carter wrote to explain I'd be taken to court etc and got some wonderful advice and sent off the relevant letter, I then got a letter back saying they'd referred it to their clients and would be in touch, this morning I have received the following letter -

 

We refer to your recent letter or telephone conversation with the office.

 

Please find enclosed account documents, provided by our client, as requested.

 

We hope that this clarifies matters and look forward to hearing from you with your proposals for the discharge of this account.

 

Now the 'documents' are quite laughable a print screen of some sort of spreadsheet I've taken a photo of it with my phone to show you but what do I do next? I do now think it is an old O2 account taken out in 2008 as an upgrade, not 100% sure though.

 

Please help.

 

[t_ony]

Never mind not worth the paper its printed on, but not worth the screen its printed off rather

If its for a mobile account then that wont be covered by a CCA - however it still needs to be proved & something like that would be laughed out of court in my view.

Report the old fool to all the relevant authorities if he refuses to stop harassing you.....

[Boppy]

So do I not need to send anything back? Do I now just ignore it?

[ukaviator]

All mobile contracts are not CCA compliant as no credit agreement is completed. However the defaults for non payment of a bill has about the same potency when reported to a CRA. They have passed on a debt to Bryan Carter for collection, but what is that breakdown on the sheet?. . . Are they charges / penalties for non payment?

 

You need a better breakdown of those amounts to be able to answer them, is that an old account of yours or someone else?.. These need answering.

[Tingy]

I would reply saying that you do not consider this proof as it does not in any way, shape or form refer to you. It has no name, no address,, no telephone number - nothing other than a customer number which could be anyone's as far as you're concerned which identifies you as a debtor.

 

I would also state that as this seems to be the best they can produce you are formally placing this alleged debt, of which you have no knowledge, into dispute so will they please stop trying to enforce any sort of collection on it until such timme as they can provide definite proof that you are the debtor.

[Boppy]

All mobile contracts are not CCA compliant as no credit agreement is completed. However the defaults for non payment of a bill has about the same potency when reported to a CRA. They have passed on a debt to Bryan Carter for collection, but what is that breakdown on the sheet?. . . Are they charges / penalties for non payment?

 

You need a better breakdown of those amounts to be able to answer them, is that an old account of yours or someone else?.. These need answering.

 

The breakdowns on the sheet are

 

23/11/2009 Write Off Manual £509.05Credit £0.00Balance

28/5/2008 Termination £449.05Debit £509.05Balance

27/5/2008 Periodic £30.00Debit £509.05Balance

27/4/2008 Periodic £30.00Debit £60.00Balance

27/3/2008 Periodic £30.00Debit £30.00Balance

13/3/2008 Physical Payment £30.97Credit £0.00Balance

28/2/2008 Periodic £30.97Debit £30.97Balance

 

Thats it, there's no charges for none payment or anything

 

It could well be an old account of mine but I can't be 100% on the top it says 'Account 100******* - My Name for Customer 100******' the account number and customer are the same number.

[PGH7447]

I can make a spreadsheet do that, can you pay me please, This is laughable, even though a phone is not covered by a cca, there is still paperwork to sign expecially if it is a contract phone, write back to carter and state

 

Dear Mr Creator (and no thats not a spelling mistae)

 

I find the information you sent on date xxx to be at best a feeble attempt to prove a debt and at worst a serious case of obtaining monies by deception.

 

Nowhere on that "spreadsheet ScreenShot" does it state what this alledged debt is for, nor what the termination fee is in relation to. I am sorry to say this but for an alledged Professional Legal person I find this quite amaturist.

 

I now consider this alledegd debt in dispute until you or the "fictitious Original creditor" have the decency to treat me with some modicum of common sense and intelligence.

[Boppy]

I can make a spreadsheet do that, can you pay me please, This is laughable, even though a phone is not covered by a cca, there is still paperwork to sign expecially if it is a contract phone, write back to carter and state

 

Dear Mr Creator (and no thats not a spelling mistae)

 

I find the information you sent on date xxx to be at best a feeble attempt to prove a debt and at worst a serious case of obtaining monies by deception.

 

Nowhere on that "spreadsheet ScreenShot" does it state what this alledged debt is for, nor what the termination fee is in relation to. I am sorry to say this but for an alledged Professional Legal person I find this quite amaturist.

 

I now consider this alledegd debt in dispute until you or the "fictitious Original creditor" have the decency to treat me with some modicum of common sense and intelligence.

 

That is brilliant, thank you very much, I will adapt it and send it this week and reply back when/if they do.