Lowell Portfolio 1 and debt already paid off

[Deleted User]

Please could you help with some advice.

I have received a letter from Lowell Portfolio saying that they I have to pay an outstanding catalogue debt to them with a letter from the catalogue company confirming that they have passed the debt on to Lowell.
However, I am sure that I paid the debt off with another DCA last year and just wondering if a company can pass on a debt twice.

I will be digging out the previous DCA correspondence, but was just wondering if this has happened to anyone else?

bottleofred

Hi,

Like all DCAs, they're probably chancing there arm. Send the prove it letter to them and see what they come up with. Only print your signature though, as they've been know to copy signatures in the past!

1 High Street,
Newtown,
Kent
R21 4RH
October 9, 2007

The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Ref: xxxxxxxxxxx

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

We would point out that we have no knowledge of any such debt being owed to The Loan Company.

We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question.

We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

We look forward to your reply.

Yours faithfully





Mrs A N Other