Lowell Financial turned into Tocatto. Any advice pls?

Vyvyan

Hello

I'll try be brief as I've read lots on here about Lowell.

I had a mobile contract with 3 that ended in feb 2006, I settled the final payment of £38.32 and recieved a letter confirming this. Alas I no longer have the letter.

Since 2009 I've had several letters from Red Debt collectors and Lowell financial which has now been passed onto Tocatto Ltd (working on behalf of Lowell) a new debt collector outfit.

I contact 3 about it when I recieved my first debt letter the requesting £38.32 and they wouldn't confirm or deny over the phone the status of my old and close account but they could relieve me of £10 to obtain my account info.

I've never replied to any of the debt collector letters sent to me at the two addresses I've lived at since, given I'm stubborn, I don't think baliffs would come for that considering other previous debts and I don't owe it.

I've checked my credit record online today to see that my hutchison 3 account is settled as of August 2006 and I have no defaults relating to 3 or any debt collectors at all.

Does this simply mean the debt has been sold on to collector outfits or is this debt non-existant? There's no reference to defaulting my credit record, but they will "consider advising Lowell financial ltd - three mobile to use the services of a home agent" should I not pay (again! :shocked:)

Thanx for taking the time to read and thanx for the advice over the years.;)

frustrated-in-bolton

I've been in the same situation for 5 long years... my contract ended in 2006 and I wrote to the company advising I'd moved and that I wanted to cancel at the end of my contract. They claim never to have received my letter - just ignore Tocatto and keep the faith - failing that contact OFCOM!

southantrim3

I'm in the same situation regarding an alleged debt between myself and o2 going back to 2005. Surely this debt is now too old for collection?
I had also settled my debt at the time yet the continue to harass me. It's for £51.71.