Lowell- assigned HSBC debt - using HSBC logo- copy right fraud?

[ogi290]

Hello could you check this please if this is for real?!

[silverfox1961]

Hi and welcome to CAG

 

Unfortunately, a lot of DCAs have been given permission from the creditor to use their headed paper to tell the debtor that the debt has been sold to them.

 

This has been going on for ages. You tend to get both letters in one envelope but some do send them in separate envelopes in an attempt to appear more legitimate

[unclebulgaria67]

As has been pointed out numerous times on CAG, Lowell and HSBC will have an agreed process, where their accounts/debt collection processes are dovetailed. HSBC will allow Lowell to produce this letter on their behalf. This is standard industry practice.

[BRIGADIER2JCS]

The NOA is totally in order.

[ogi290]

what will i do now?

[citizenB]

I think the only problem would be, is if the signature.. Gary Jones- Head of Recoveries - is an HSBC employee or a Lowell's employee.

[silverfox1961]

Debt collection Agencies have very little power over you although they would like you to think otherwise.

 

If you haven't received any demands from Lowell yet then just sit back and wait for them to contact you.

 

If they have your phone number, they will phone and say things they would never dare put in a letter so if you have the means to record calls, do so.

 

What type of debt is this? Bank account? Credit Card? Loan?

[ogi290]

I do not really know?!

 

could you please HELP me

[silverfox1961]

Do you know of anything owed to HSBC?

[ogi290]

~7

 

to be honest i dont really know. i been away for so long becouse f a v difficult divorce. i jus come back home. i do not have documents as such since i leave the matrimonial home in Dec 2007

[silverfox1961]

Then definitely do nothing. DCAs buy loads of debt which could be Statute Barred (or very near to it)

 

When the Leeds Losers start contacting you, this will give you some idea what they want.

 

While you are waiting, you could get copies of your credit file. Try Noddle-it's free.

 

I know you feel stressed as you have no idea what is going on but it is only money. They cannot have what you haven't got. They can't do anything.

 

The only possible issue is if this account was a joint one and they have tried chasing your ex, failed and now they are trying with you.

 

Whatever you do, do not admit this debt.

[ogi290]

#11

 

Hello

 

i check my credit file on noodles and WHAT sight!!!!

 

CC: mkdp llp, arrowl

 

PL:lowell MKDP llp

 

OA: lowell, mkdp

 

all updated Sept, oct, nov 2013

 

WHAT???? how this happened?

 

and what will i do now? please help

[ogi290]

Check your credit file.

 

I jus did. V scared! Don't know what to do next!