Please help me! - Red debt collection services

tzb27

Yes go a head. It won't harm.

jayceefx wrote: »

Hey, I just recieved the same exact letter from o2 precollections team and Lowell portfolio but strange because I have never had any accounts with O2 whatsoever. and thhey want 1600.00 from me!! should I use the same template? thanks in advance...


Send them this and see what they have in reply...


...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

[/QUOTE]

tzb27

Send them this letter and they won't bother you after.

Dear Sir/Madam

Ref: XXXXXXX

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 Lowell Portfolio I Ltd.

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.

bllord71 wrote: »

My OH has recently had a problem with Lowell...he's asked them to send a detailed invoice from T-Mobile three times, but all they keep sending is the front page of the T-Mobile bill (Detailing OH old address + amount) plus 5 sheets of t-mobile paper which is blank and supposed to be, I presume, the breakdown of the bill/itemised bit.

This has been going on nearly a year now with red & lowell and they have sent yet another blank t-mobile bill...any ideas how we progress with this one? We just seem to be going round in circles!