Still getting pestered by Lowell Financial Ltd

stokelad84

This letter is from 10,12,10 after I sent them a letter RE a debt I don't acknowledge

due to non payment of the above sum we have been instructed by macenzie hall limited, to collect this debt on there behalf.

an authorised collector will make a visit to your property within the next 10days

should our collector inform us that no positive commitment towards clearing the debt has taken place, your account will be returned too this office and a formal proceedings may be considered

if you do not want our collector to call and would rather arrange a settlement with us you must contact us immediately.

should you fail to make a payment and action is taken additional costs maybe added to your debt.

we look forward to hearing from you, we will not send another reminder.
__________________________________________________ _____

So i sent them a letter saying they need make an appointment too call me house etc, then i got this letter back on Thursday off a different comapany but the same debt! strange? what do i do now? take the offer they have made me or still pursue too get it taken off my debt list?
Anyways this is what i recieved from them
LOWELL PORTFOLIO 1 LIMITED
SUM £210.00

FINAL OFFER - IMMEDIATE ACTION REQIURED
deadline for for futher action 7 DAYS

As a gesture of goodwill our client will accept £105 as a full and final payment, for the above debt providing payment is recieved in our office by the 25th november 2010, please note this is a time barred offer if payment is not recieved by the above date, then the settlement figure will be revoked and no such offer will be made again, if however you cannot extend towards this generous offer then we fully expect you too honour the outstanding balance by means of monthly repayments.

...................................................

Anyways I got another letter today off Fredrickson International Ltd

We have been instructed by Lowell Financial Ltd who have passed this account debt to us for collection of £210

YOU MUST CONTACT US IMMEDIATELY TO AVOID FUTHER ACTION


What should I do now?

RAS

stoke lad

What sort of debt - cc, bank account etc?

Do you think it is even yours? Or do you have no idea?

How old is the debts? When did you last pay anything?

What exactly did you put in your letter to them?

stokelad84

Mobile contract with vodafone.

I really don't know if it was mine? Or if it even is mine?

And it must be about 7years old

And my first letter stated I didn't acknowledge the debt etc it was the template off here asking for proof etc it was mine like contracts etc.

I never received them so they sent me another one saying they were sending a bailiff around so I sent them this.....

due to non payment of the above sum we have been instructed by macenzie hall limited, to collect this debt on there behalf.

an authorised collector will make a visit to your property within the next 10days

should our collector inform us that no positive commitment towards clearing the debt has taken place, your account will be returned too this office and a formal proceedings may be considered

if you do not want our collector to call and would rather arrange a settlement with us you must contact us immediately.

should you fail to make a payment and action is taken additional costs maybe added to your debt.

we look forward to hearing from you, we will not send another reminder.
__________________________________________________ _____

So i sent them a letter saying they need make an appointment too call me house etc, then i got this letter back on Thursday off a different comapany but the same debt! strange? what do i do now? take the offer they have made me or still pursue too get it taken off my debt list?
Anyways this is what i recieved from them
LOWELL PORTFOLIO 1 LIMITED
SUM £210.00

FINAL OFFER - IMMEDIATE ACTION REQIURED
deadline for for futher action 7 DAYS

As a gesture of goodwill our client will accept £105 as a full and final payment, for the above debt providing payment is recieved in our office by the 25th november 2010, please note this is a time barred offer if payment is not recieved by the above date, then the settlement figure will be revoked and no such offer will be made again, if however you cannot extend towards this generous offer then we fully expect you too honour the outstanding balance by means of monthly repayments.

Then today got another letter off a different debt collection agency who have brought the debt off Lowell?

RAS

stokelad84 wrote: »

Mobile contract with vodafone.

I really don't know if it was mine? Or if it even is mine?

And it must be about 7years old

If you have not paid anything to Vodaphone (this account or any other) in the last 6 years, this debt is probably statute barred provided you have avoided any recent acknowledgement in you letters.

Send an SB letter. I assume you are in England?

stokelad84

Whats SB mean?

Yes I live in England.

The only acknowledgement they have had is letters from me wanting proof off them.

RAS

read Tixy's post

If its your debt then its almost certainly statute barred (6years of no payments and no written acknowledgement from you that you owe the money and assuming you were never taken to court).
Either send back the prove it letter for some proof of the debt, or considering the age send the hybrid don't think its my debt and if it is it would be statute barred letter.
See here - http://forums.moneysavingexpert.com/...93&postcount=2

And here (and post 5) Statute barred debts and the Limitation Acts

stokelad84

Thank you have a thanks

stokelad84

UPDATE - Letter off Fredrickson International LTD. WHAT DO I DO now?

After sending off a the statue barred letter what was in the link above I got a letter on Friday saying

Thank you for your correspondence the contents of which we not

Please note we are instructed as agents for Lowell Financial Ltd we are currently acting on instructions of our client, our client is under a duty to report the management of the account to the credit reference agencies and we believe THAT you contested to this when you entered the agreement.

You may contact our client to verify our instructions

We can confirm that the debt relates to an outstanding vodafone account our clients position is that the balance is lawfully due and we having reviewed the account DENY any harrasment.

As we have no record of a valid dispute in this matter and as we clarified our position and that of our client we look forward to hearing from you with your payment proposals

RAS

Can you edit the post above as it does not make sense; there appears to be odd words missing and punctutation.

That will help people help you.

fermi

Fredrickson really are a bunch of wuckfits. :rotfl:

Either ignore them, or send this.

http://forums.moneysavingexpert.com/showpost.php?p=34906247&postcount=4

Report them and Lowells.

stokelad84

Sorry it's the bloody iPad lol

They say they have data off Lowell basically saying I it's confirmed I owe them but I ain't received any proof after asking for it.

Thanks Fermi lol