quick question about DCA payment plan

aligerdie

Hi all,

Just a quick question.

I sent off a payment plan proposal to Lowells a couple of weeks ago offering a realistic amount per month.

I've today received a letter from them. They've suggested 3 different amounts they will accept over different time periods, and all of them are more than my offer.
I did send off an income expenditure form with my proposals, so they know our dire money situation, but would it be reasonable for me to write back with my original offer, and state that is all I can afford?

I have no idea what to do!

RAS

Hi

What sort of debt is this and how long since you last paid on the account?

aligerdie

its a mobile bill from within the last 6 years, its been a while since I paid anything, and I hadn't heard anything for a couple of years until lowells have contacted me.

RAS

Which company because Lowell was the subject of the TV programme recently about making false demand for payment of old mobile accounts.

aligerdie

It was 3 mobile. I certainly don't remember the bill being this high, but after writing back with the offer to Hamptons (who originally wrote to me), Lowell have now refused my offer.

RAS

Hi

It was 3 about which the TV programme was made - will try and find it.

Hamptons is Lowell.

aligerdie

Ahh thank you very much! Really appreciate your help.

RAS

Hi

Can find the link to the whole programme but this gives you a clue

http://www.bbc.co.uk/blogs/watchdog/2009/01/the_chase_for_debts_not_always.html

They then featured in the national press for a couple of days.

aligerdie

thank you for that, I know that I had an account with them, but the amount they're claiming is alot more than I'm aware of.

What would you suggest I do? I did write offering a payment amount, so I did acknowledge the debt.

Sorry for all the questions, I was doing so well with creditors accepting my offers until now.

RAS

I suggest that you contact 3 mobile, tell them you are aware of the programme and need confirmation of the amount and reason for any debt they sold to Lowell.

aligerdie

I will do, I shall write to 3 mobile this afternoon.

I have just realised that Lowell have contacted my OH too, and altogether both debts come to £1000!

Thank you for your help.