Help! 2 letters from Lowell together about £1600 Shop direct debt

goodcredit_2

winner12 wrote: »

Yes you should

and is there any chance to tell me what should i say in the letter?

Please

gambit27

The letter is as above in fatbelly's post?

tigerlily44

goodcredit wrote: »

should I send Lowell A LETTER FOR prove it?

But don't acknowledge it as yours

FTW

tigerlily44 wrote: »

But don't acknowledge it as yours

And don't sign that letter, and make sure it's sent recorded delivery.

goodcredit_2

tigerlily44 wrote: »

But don't acknowledge it as yours

how should i don't acknowledge it as yours? In letters?

goodcredit_2

fatbelly wrote: »

Yes, use the letter Fermi privided earlier.



I changed one paragraph to reflect their aggressive language.

thanks

How should I asked them 'contact me by letter only 'in letter?

fatbelly

goodcredit wrote: »

how should i don't acknowledge it as yours? In letters?

Just use the template letter, making the obvious changes (your name, address, creditor name, address, reference number...)

It does NOT acknowledge the debt. It says 'We would point out that we have no knowledge of any such debt being owed to The Loan Company. '

That's NOT an acknowledgement.

pm your letter to me if you want me to check it - I'm sensing you're not feeling too confident about this.

fb

goodcredit_2

I changed a little bit of prove it letter, is this good enough to send?

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.

I therefore request that no further contact be made concerning the above account unless or until you can provide documentary evidence as to my liability for the debt in question or your written confirmation that an error has been made and this matter is now closed.

Please note that I will only discuss this matter in writing for the purpose of proof and accurate record keeping. Under no circumstances will I discuss it on the telephone or doorstep.

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

goodcredit_2

I paid for 14.99pound to check my credit report on credit expert, it showed that on previous seraches that Lowell serach me lots of times, but my credit report did not have any financial link to 'Shop Direct', and my credit score was near excellent stage as it is near 1000 score on expert website. what amazing!!! is there anywhere i need to pay attention to check in my credit report if it show some debt? thanks!

goodcredit_2

so what should I do ???? Sent the prove it ?
but i am 100% sure that I did not owed any debt.