Lowell Financial LTD, please help

Options
jola139
jola139 Posts: 5 Forumite
First Post First Anniversary Combo Breaker
in Debt-free wannabe
Hello everyone,
today my OH received a letter from Lowell Financial, syaing nothing more that he's their client now and askng him to contact them regarding personal matter. There is reference number but nothing else.
Whta should we do?
Ive alredy checked his credit score, there is nothing there. He has a loan on his name but we paying it by direct debit and it shows on credit chceck web.
Shall we contact them, wait .....??
We want to buy a house this year and this came as a shock

Comments

  • StokieBecks
    StokieBecks Posts: 4,997 Forumite
    First Anniversary Photogenic First Post Xmas Saver!
    Options
    Have you checked on all three credit reporting agencies that there is nothing listed you don't know about.

    Does your partner have a common name? It sounds more like a letter sent out in the hope of finding the right person. Usually Lowell get involved when debts are sold on but normally they would know who they are contacting and it would say what the debt is for and who it was originally owed to.

    Someone will advise the next step if you are sure it isn't anything your partner owes
    £2 Savers Club for 2022 #12
  • GothicStirling
    GothicStirling Posts: 1,157 Forumite
    Options
    Write to them asking for proof of the debt, which you are disputing. I'm dealing with them over a Statute Barred debt, and the politest I can call them is a bunch of cowboys.
  • sourcrates
    sourcrates Posts: 28,888 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    Options
    Hi,

    Send the provit letter to Lowell.

    That will get you all the information Lowell hold about the debt, you will then be able to act accordingly.

    Link to provit letter here :

    http://forums.moneysavingexpert.com/showthread.php?t=2607247
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Trooper999
    Trooper999 Posts: 6 Forumite
    First Post First Anniversary
    Options
    Hi there,

    I too have received the very same letter from Lowell so am interested in what steps to take next.
    It doesnt actually state I owe a dept it just says to contact them.
    Shall I call them or leave it alone?
  • sourcrates
    sourcrates Posts: 28,888 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    Options
    Trooper999 wrote: »
    Hi there,

    I too have received the very same letter from Lowell so am interested in what steps to take next.
    It doesnt actually state I owe a dept it just says to contact them.
    Shall I call them or leave it alone?

    Advice is in post #4# above.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Trooper999
    Trooper999 Posts: 6 Forumite
    First Post First Anniversary
    Options
    Hi,

    Thanks for your reply.
    As mentioned the letter doesn't actually state that I owe anything so how can I write a letter requesting information on a debt when they haven't stated it?
    I am not trying to be smart here, just trying to figure out the best route forward.
  • sourcrates
    sourcrates Posts: 28,888 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    Options
    Trooper999 wrote: »
    Hi,

    Thanks for your reply.
    As mentioned the letter doesn't actually state that I owe anything so how can I write a letter requesting information on a debt when they haven't stated it?
    I am not trying to be smart here, just trying to figure out the best route forward.

    Well, they are debt purchasers, so they won’t be writing to you about anything else.

    You can wait until there letters contain a specific allegation about a specific debt, then you can send the provit letter.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.3K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 248K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards