Lots of DCA letters, looked at Credit File, don't recognise the debts there.

[jjphillips]

I’ve been getting debt collection letters from a number of different companies but I don’t recognise any of them.

I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help.

It just lists the debt collection company and the amounts they say I owe them. The amounts are staggering.

now I was caught out once before by a debt collection agency saying I owed money but not who to and I just paid it.

It wasn’t till after this that I found out that some agencies just send letters demanding payment for a non existent debit.

On my credit report it says I owe money to the debt collection agent but there are no records of any original debt.

no unpaid loans or credit cards. 
so what do I do?

I had a serious brain injury so I have memory problems and some untreatable mental illness.

Thanks for taking the time to read this.

[BankFodder]

Start off by listing the DCA's and the amounts please

[unclebulgaria67]

When a Debt Collection Agency (DCA) is assigned the debt after purchasing from the original creditors, they will add the debt to the credit record replacing the previous entry from the original creditors . The debt should be less than 6 years old from the date you defaulted making payments.

 

When you receive letters from a DCA, they should state the name of the original creditors you had the credit card, loan, overdraft or other debt with.

 

Do you still have the letters from the DCA's ?  If so, please provide details of the DCA, the original creditor named and the debt amount. If not, your online Credit Record history should contain information.

 

Never throw away any letters you receive from DCA's or Banks etc where they concern debts you owe. The letters may contain useful information.

 

Have you moved address since getting into debt ?  Did you provide your new address to all companies you owed money to ?

[jjphillips]

For a few years I’ve been getting debt letters from a number of different companies.

 

When I got the first letter I went to their website and emailed asked what the debt was for and a copy of the original agreement. I got no reply. I just ignore them now.

 

I had been caught before with Lowell , who had sent a random letter demanding payment for a debt. I paid and didn’t check the source or verify the debt.

[dx100uk]

old and new threads merged.

well you did right by not blindly paying and getting fooled again.

but i wouldnt next time make any contact either via their website or on the phone from now on.

i know you've had health issues so just be extra carefully whatever you do from now , check with us first.

the DCA letters usually tell you what the original debt is all about...

you say your credit file is totally clean and all you old addresses are showing too?

dx

[jjphillips]

I was getting debit companies constantly bombarding me with phone calls and emails.

Then one said it was for a ace online account.  Now I do have a studio account but it not in default. I asked if they would look into it. I got a reply saying that there was an alleged defaulted account. 

I asked if they would send me a copy of the account debit and what was purchased and when. Studio constantly said they a had sold the debit I would need to speak to them to get the information I need.

Now I know that is not true. They also gave the debt collectors some very personal and confidential medical details. 

I had disclosed some medical information to Studio but didn’t give any permission to share this information with anyone else.

I got an email from Lowell with a simple spreadsheet type of thing. 
 

I have listed your account details below:

Lowell Reference	Original Company	Brand	Original Client Reference	Current Balance
.......	JD Williams	Jacamo	,,,,,,,,	£xxxxx
.......	Studio	Ace	,,,,,,	£cxxcx

 

This is not what I had asked Lowell for but I was surprised to see a JD Williams debt. I had no idea existed. 
I searched through my bank account and my email accounts to find any payments made to either account or emails from both companies regarding any debts owing. The ace account it was 2015 the last time they said my account was in default.

and the Jacamo one was 2014.

where do I stand with regards to these debts? and the dodging of my subject access request?

I just keep getting emails from studio saying my details have been passed to another department who will be in touch soon. And then when I email that department again I get an email saying that they have passed my details to another department and they will be in touch soon.

 

I’ve made numerous requests for all the information that they hold on me.

[dx100uk]

old and new threads merged.

if you are not paying lowlife anything, then pers id forget about the debts until or unless you ever get a letter of claim or they become statute barred.

stop the silly letter/email tennis, and never converse on the phone.

 

[London1971]

Just make sure to write to Lowell with your current address details, if you have moved since the debts were taken out. 

AS for the SAR, likely Studio aren't dodging it, it can take a while.

[jjphillips]

I have a studio account, which is up to date with all of the payments. However, I received some debit collections notice from Lowell.

so I got in touch with studio, who own ace. I keep asking studio for a full copy of all the data that they are holding that concerns me.

 keep saying that they don’t have any data about me as they sold the account to Lowell.

i was under the impression that they were obligated to keep the information for 6yrs. They keep saying that they don’t have any data as the account was sold.

i have made a subject access request but I’m not getting any further forward.

any help would be appreciated.

thanks 

john

[dx100uk]

On 27/05/2023 at 11:03, dx100uk said:

old and new threads merged. yet again.

if you are not paying lowell anything, then pers id forget about them until or unless you ever get a letter of claim 

dont enter into silly letter/email tennis, and never converse on the phone.

 

dx

[jjphillips]

The only correspondence I have sent was this email.

Which I sent to all the debt collectors who have sent me emails regarding this same claimed debt.

I have asked on numerous occasions the company that the debt was supposed to have originally been owed to send me a copy of the original statement and all I have ever received is the claim that they no longer have access to the account records as the account has been sold to a debit collection company.

I did try to raise the point that they were legally required to keep records for six years but I was point blank refused to see the original account records.

The best I’ve had was literally an email with a made up table, quite literally made up using keyboard characters, saying you owe us this much.

here’s the email I sent out.

Subject: Dispute of Debt and Urgent Consideration for Mental Health Impact - 


I am writing to formally dispute the debt associated with [account number/reference number] that your company has been pursuing for collection. It is of utmost importance that you understand the severe negative impact this debt and your collection efforts are having on my mental health, particularly considering the current circumstances and the legal protections afforded to vulnerable individuals in the United Kingdom.

I want to stress that I am currently under the care of medical professionals, including psychiatric specialists, due to the seriousness of my mental health condition. This involves ongoing treatment and support for my well-being, including the management of significant self-harm incidents. The delicate nature of my situation necessitates that all parties involved exercise the utmost care, empathy, and strict adherence to legal obligations when dealing with my case.

Under UK law, creditors have a responsibility to treat vulnerable individuals with the utmost sensitivity, taking into account the potential impact of their actions on mental health. This includes recognizing the gravity of the situation and the real and immediate risks that further distress and harassment may pose to my mental well-being.

I kindly request that you:

1. Immediately suspend all collection activities related to this debt until a thorough investigation of the debt dispute has been conducted and my mental health concerns have been adequately addressed. This includes refraining from any further contact or correspondence regarding the debt until this matter is resolved.

2. Provide me, as required by the Consumer Credit Act 1974 and the Data Protection Act 2018, with all relevant documentation and evidence pertaining to this debt. This should include the original agreement, statements, and any other supporting information that can assist me in assessing the accuracy and validity of the debt.

3. Conduct all future communication in writing, ensuring clear and documented correspondence. This will allow for a comprehensive record of our interactions and ensure that relevant parties are fully informed.

I would also like to emphasize that failure to comply with these requests may result in formal complaints being lodged with relevant regulatory authorities, including but not limited to the Financial Ombudsman Service, and legal action being pursued to protect my rights and well-being.

Given the seriousness of the situation and the potential consequences of exacerbating my mental health condition, I implore you to approach this matter with the utmost sensitivity, empathy, and respect. It is my sincere hope that you recognize the gravity of the situation and take immediate action to mitigate the potential risks and distress caused by your collection efforts.

Thank you for your immediate attention to this urgent matter. I eagerly await your prompt response.

Yours sincerely,
 

I don’t think I copied and pasted from any site but I got this reply a few days later.

 

[dx100uk]

what reply?

you should never ever use email with a scamming DCA letter writing ALWAYS.

and your health is NONE OF THEIR BUSINESS!
 

what you have sent is just silly letter tennis that you should never ever enter into.

next time dont be tempted to reply to and email/text/phone or letter from ANYONE unless its a Letter of claim with a reply pack wanting I&E etc. thenm comeback here and ASK what to do.

you are simply making your issues both in your head and from external muggers 1000% worse.

dx

 

 

[dx100uk]

On 27/05/2023 at 11:11, London1971 said:

Just make sure to write to Lowell with your current address details, if you have moved since the debts were taken out. 

did you?

dx

[jjphillips]

Sorry, I wasn’t sure what to do. But thanks for your input. Thank God for people like yourself who not only help people like me but who also have the patience to guide people like myself through this process. 
Honestly thank you.

I had a serious brain injury sometime ago and this has reduced my cognitive abilities. I easily forget things and I’m glad for your help.

many thanks.

i did get an email this morning that I think means that the debt has been cleared. Though I’m not sure. We will see.

[dx100uk]

well post it up lets all work it out for you.

dx