Lowell Chasing Freemans Debt

sfoley1

Afternoon all

This morning my wife received a letter from Lowells demanding payment of £500+ for a Freemans Catalogue debt which is not hers.

We lived in a flat with a shared access which we moved out of in 2004. Within a few months (when she applied for a loan) it transpired that accounts with mail order companies were opened in her name and she had to go through hoops to prove it wasn't her and this was all resolved.

However, the Freemans account was not one of them and did not show on her credit fille and it dos not show on her credit file now.

On speaking to Lowells her correct name and date of birth were used but a completeley different email address for the Freemans account. Something like Natasha_hottygirl. My wife is called Victoria and wouldn't pick such a chavvy email address name anyway. The account was opened in 1999 by my wife and it appears that this person in our old building has/had taken it over. According to Lowells a payment was made to the account in October 2005.

My wife did not use this account after we moved out and in all honesty cannot remember if she closed it.

As a payment appears to have been made in 2005 that scuppers the Limitations Act argument.

We have asked Lowells to provide evidence about this payment in October 2005 and a statement of account and Lowells have requested this from Freemans and put her account on hold while we wait for it.

Now I am aware that Lowells would have purchased this debt for a pittance and have seen all the bad press about them. Are they legally able to recover this debt which is unfortunately in my wifes name (well in her maiden name anyway)?

We will be able to prove that we sold the property in March 2004 and prove that we purchased another house on the same date and provide proof via Council Tax. Is this enough if transactions were made after this date for delivery to our old address?

Or do I need to send them a template letter of sorts?

Would another approach be to use delaying tactics while not acknowledging the debt until October 2011 and tell Lowells to take a run and jump when we can use the Limitations Act or does that not work?

All advice greatly appreciated.

Simon

looloo500

i had a similar call today and i have no idea what they are talking about. yes i had an account but have had no contact from freemans about a debt. my account is also on hold while they look into it to get statements. im gonna try and call freemans tomorrow.