Lowell Financial & Scotcall

MrAverage

Hi All

I have sent a CCA request to Lowell Financial over a year ago, but to date they have not complied with my request. Today I received a call from ScotCall regarding this account, which Lowell has sold the debt to them apparently. Are they allowed to do this while its in dispute? I thought they had to notify me they were transferring the debt?

So if thats the case & they have sold the debt, what is my next course of action to ScotCall? Do I CCA them too? I spoke to ScotCall & informed them the account is in dispute, to which they said they will get in touch with Lowell.

Any advice please.

Thanks

MrA

FTW

MrAverage wrote: »

Hi All

I have sent a CCA request to Lowell Financial over a year ago, but to date they have not complied with my request. Today I received a call from ScotCall regarding this account, which Lowell has sold the debt to them apparently. Are they allowed to do this while its in dispute? I thought they had to notify me they were transferring the debt?

So if thats the case & they have sold the debt, what is my next course of action to ScotCall? Do I CCA them too? I spoke to ScotCall & informed them the account is in dispute, to which they said they will get in touch with Lowell.

Any advice please.

Thanks

MrA

Apart from reporting Lowell and Scotcall to the OFT, you need do nothing.

If the request was never fulfilled, it's in dispute stage - and there it will stay until your request is fulfilled. So, no-one should be attempting to collect on it.

MrAverage

Ok thanks a lot for the reply.

I thought that was the case.

MrA

MrAverage

Hi,

Lowell have now passed this onto Frederickson who are constantly calling & sending letters, but to date Lowell have not complied with my request for a true CCA.

The OFT website is a bit vague, do I still need to contact these or is there another route?

Any advice will be greatly received.

MrA

endora

MrAverage wrote: »

Hi All

I have sent a CCA request to Lowell Financial over a year ago, but to date they have not complied with my request. Today I received a call from ScotCall regarding this account, which Lowell has sold the debt to them apparently. Are they allowed to do this while its in dispute? I thought they had to notify me they were transferring the debt?

So if thats the case & they have sold the debt, what is my next course of action to ScotCall? Do I CCA them too? I spoke to ScotCall & informed them the account is in dispute, to which they said they will get in touch with Lowell.

Any advice please.

Thanks

MrA

There's nothing stopping debts being sold whilst in dispute. An outstanding s78 request (CCA request) only stops creditors from obtaining judgment in court, not selling the debt. Debts are usually sold with very little details about the accounts so you'll have to inform the new owners of the dispute.