Graham White/Roxburgh now Lowell & Three

[Ronnie1234]

Response to letter received from Equidebt:

 

I confirm receipt of your letter and the contents of which have been noted. The matter has been referred to our vendor for further instructions.

 

We will contact you once we have received a reply from our vendor, if in the meantime you need to contact us about any aspect of this matter please call......

 

Signed from the compliance investigator

[Huff&Puff]

And that is the last you will hear from them until it is passed to another DCA (and it will be ).

[Ronnie1234]

What do I do if / when I receive communication from another DCA?

[Huff&Puff]

You send the "bemused" letter to the DCA, and report both DCAs to Trading Standards and the OFT for passing on a disputed alleged debt.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

[companytracker]

Just take them to court, collect the evidence and issue them with legal papers. Track down the person who is causing the problem and serve the papers for harassment. If you don't owe anyone money and you've disputed claims, then take them to court.

[Ronnie1234]

I received a letter from Lowells chasing a mobile phone debt to Three, I have sent a proove it letter.

 

Just wondering how things stand with chasing of a mobile phone debt

[unclebulgaria67]

Have you ever disputed owing any debt to Three ?

 

There are loads of threads on CAG about Lowell/Three, so you can search for these to get a idea of what other people have faced. From memory most posts state that you should receive a statement showing the amout owed, with a letter asking you to pay. As you know mobile phones are not covered by the CCA.

 

If you have a problem with Three, I would suggest that you start a complaint with them and send a copy of any complaint to Lowell. Lowell should then put the account on hold.

[dx100uk]

99% of the time they are spoof!

 

dx

[Ronnie1234]

I had a contract with Three about 4 / 5 years ago.

[unclebulgaria67]

I had a contract with Three about 4 / 5 years ago.

 

So you had a contract with Three and you realise that there were payments outstanding ?

 

What is the approx amount of the debt without saying exactly how much, just in case these pages are read by Lowell ?

 

If yes, then just try to string it out and hope that it become statute barred before they think about going for a CCJ.

 

If no, then make a complaint to Three, put Lowell on hold and see what evidence Three can provide.

[brokebutnotbeatn]

I have had contracts at various points in time with just about every mobile service provider there is so are you sure you actually owe any money and that this is your debt???

[Bazooka Boo]

See what they come back with after the prove it letter you've sent.

 

Lowlifes will probably just send a piece of A4 with a figure on and claim you owe it.....yeah right!

 

They tried to get my mother to pay them £21 odd a few years back, and because they love moby fone debts believing you can't argue or defend them, they drop their guard and open themselves up to all sorts or ridicule.

 

In a nutshell, you owe nothing to noone, this will have all been written off a long time ago by 3 against their insurance, and lowlifes the mugs they are buy up a portfolio of lemons and then intimidate people into paying for something they neither owe or can enforce.

 

I wouldn't advise 'stringing it out' as UB suggested, I think what he meant was that it is nearly SB so if they were going to do anything they would have done so way before now, why wait almost 6 years to chase an alleged debt?

 

CAG does not condone debt avoidance, and I am certain UB didn't mean this, but I have to agree that this is pretty much a non starter for lowlifes.

[Ronnie1234]

Letter from Lowell:

 

We write in respect to the above debt which as previously advised we have purchased from Three mobile.

 

After liasing with Three mobile we can confirm that an early termination fee of £188.** was added to the outstanding balance of £354.** unfortunately this does not appear on the statement enclosed.

 

We are now entitled to receive paymnt of the balance of £542.** from you and enclose a copy of statement as requested.

Please contact us etc....

 

Attached then is a statemnt dated Up to Nov 07, stating previous balance £354.**

[unclebulgaria67]

So when did you default on payment to Three ?

 

Do you have any dispute over any of the amounts quoted ?

 

What previous actions have you taken with Three to obtain information from them ?

 

Until you have all the information you need, I am not you or anyone on CAG will be properly informed enough to know the way forward. I would suggest a complaint to Three and possibly a Data Protection Subject Access Request to obtain copies of all statements, a copy of any contract, default notice, letters that they have sent you.

[Ronnie1234]

So when did you default on payment to Three ?

 

Do you have any dispute over any of the amounts quoted ?

 

What previous actions have you taken with Three to obtain information from them ?

 

Until you have all the information you need, I am not you or anyone on CAG will be properly informed enough to know the way forward. I would suggest a complaint to Three and possibly a Data Protection Subject Access Request to obtain copies of all statements, a copy of any contract, default notice, letters that they have sent you.

 

Not sure when I defaulted.

 

Can't remember how much I owed at the time?

 

Maybe SAR is the way forward then with this?

[unclebulgaria67]

Not sure when I defaulted.

 

Can't remember how much I owed at the time?

 

Maybe SAR is the way forward then with this?

 

Yes. Based on my comments on a previous thread, you were aware that a debt was being chased related to Three back in 2009. I suppose they have found you again and now you need to make enquiries about how the debt has been calculated. My advice is to get hold of all the information and try to find a way of making a complaint with Three. While any complaint is in progress, all debt collection activity must be put on hold. You never know you might find mistakes by Three or if not atleast you will know when the debt defaulted, so will help guide you what to do with this.

[Bazooka Boo]

Have they said how the outstanding balance of £354 is made up?

 

What was the length of contract you had with them, and what were the monthly payments?

 

IMO simply stating two figures does not constitute any proof you owe them anything.

They are not entitled to do anything regardless of what they believe. Anyone can pluck random figures out of the air, put them in a letter and claim this is the amount you owe. Utter rubbish, I'd simply reply with the exact same letter (prove it) If at all!

[Ronnie1234]

Letter received from Lowell saying that after liasing with Three, they can confirm an early termination fee of £188... was added to the outstanding balance of £354..., unfortunately that does not apear on the statements enclosed.

 

They then say they are entitled to receive payment

[dx100uk]

then why in 4-5yrs have 3 never wanted their money

 

absolute phishing trip

 

you owe no-one anything.

 

no mobile phone debt has ever gone to court

 

ignore them from now on

 

dx

[Bazooka Boo]

I like how they continually harp on about how the are 'entitled' to receive this and that, well I have some news for them, you are also entitled to ignore them, as are you entitled to simply bin their petty extortion letters.

[Ronnie1234]

Thank you, I will ignore / bin!!

[Bazooka Boo]

When I say bin, I say that metaphorically, file under ignore is the preferred method, just so you have a record of their computers threatogramme cycle..

[Ronnie1234]

Lowell have rang house this pm unsure how they have got number

[Bazooka Boo]

Ronnie have you got two threads on the same problem?

 

It seems I am giving you the same answers? Have you started a new thread?

[Ronnie1234]

Received letter from Red, saying they are giving my account details to Hamptons Legal