Threats from Bryan Carter 3 mobile debt

[amac31]

Hi, I recently received a letter from the above stating that they have been instructed by Fredrickson international on behalf of Lowell Financial to issue court proceedings for a debt of just over £400.

Lowell have this debt registered on my credit file, it was for three mobile. I defaulted in Nov 2008 for £86. The default amount is registered as £86.00 but the balance is shown as £437, how is this possible?.

I was paying all my creditors a token payment of £1 per month up until July 2012 when I was told not to

by the money advice charity because we as a family did not have enough incomings to cover priority debts let alone non priority.

Do I ignore this as a threat or do I send a CCA or SAR because I suspect they will not be able to produce either.

[hohohoxmas]

Thats precisely the same letter i received today.

[BRIGADIER2JCS]

Hi, I recently received a letter from the above stating that they have been instructed by Fredrickson international on behalf of Lowell Financial to issue court proceedings for a debt of just over £400.

Lowell have this debt registered on my credit file, it was for three mobile. I defaulted in Nov 2008 for £86. The default amount is registered as £86.00 but the balance is shown as £437, how is this possible?.

I was paying all my creditors a token payment of £1 per month up until July 2012 when I was told not to

by the money advice charity because we as a family did not have enough incomings to cover priority debts let alone non priority.

Do I ignore this as a threat or do I send a CCA or SAR because I suspect they will not be able to produce either.

 

 

Hi, I suggest the following to Mr Carter by recorded signed for delivery:

 

ref: us theirs.

 

Sir/Madam,

 

I refer to a letter from Carter solicitors dated xx.xx.xxxx in which it is alleged that I owe a debt for £xxx.xx, please take not I have no knowledge of any outstanding debt for this amount, there for I do not accept any liability for this alleged debt.

 

Therefore I suggest Carter Solicitors LLP returns the file on this matter to its client seeking clarification.

 

No further correspondence can be entered into un unequivocal proof of any such amount outstanding against my name is provided.

 

(a technicality but you don't know of a £400 debt).

[hohohoxmas]

Hi Brigadier2jcs,

would this be the same letter i would need to send to carter llp ?

I had the same letter but mine was now for about £1600 with all charges etc that was dumped on to the credit card including also ppi ( not sure if can claim back ppi on this old card)

[BRIGADIER2JCS]

Hi Brigadier2jcs,

would this be the same letter i would need to send to carter llp ?

I had the same letter but mine was now for about £1600 with all charges etc that was dumped on to the credit card including also ppi ( not sure if can claim back ppi on this old card)

 

Yes, you can adapt the letter for this.

 

I don't think there is any time limit on reclaiming PPI. if missold.

[citizenB]

Yes, indeed you can reclaim PPI if it was mis sold. Do you have all your statements ?

 

If not, then you will have to send a Subject Access Request to the Original Creditor. It will cost you £10.00 and they have 40 calendar days to comply. Do you have your own thread in order not to hijack amac's thread

[amac31]

Thanks for the reply Brigadier2jcs. Can I still send this letter of non acknowledgement even though I was paying this debt @ £ 1 per month up until last july?

[BRIGADIER2JCS]

Thanks for the reply Brigadier2jcs. Can I still send this letter of non acknowledgement even though I was paying this debt @ £ 1 per month up until last july?

 

Yes, as you said the debt has grown so you cannot reconcile the amount claimed by Carter, it will confuse them, (not difficult) it seems:madgrin:

[amac31]

Ok again thanks for your reply, letter printing off as I type.

[hohohoxmas]

thats great i will print off the letter up above and send it as dont need the stress of this at the moment.

[BRIGADIER2JCS]

thats great i will print off the letter up above and send it as dont need the stress of this at the moment.

 

Good Luck!!!