Lowell Portfolio 1 Ltd - CRA searches

Thriftkitten

Hi all, further to my letter requesting a copy of my credit agreement with shopacheck, Lowells sent me something with an account number on and a list of missed payments, Im guessing they think this is adequate...... The phone calls and texts started up again and when I didnt answer they started to call from a personal mobile phone number. Unfortunately my DD11 answered my phone and passed it to me as the personal mobile number didnt ring any alarm bells. The guy was very pushy and informed me that I was going to have to pay the £120 owed as they had sent me what i had requested. My response to him was that they had NOT fulfilled my request as I wanted to see a copy of my credit agreement with shoppacheck not a list of supposed payments. we argued back and forth for ten mins and he informed me that he was unable to get that kind of information. so I told him that if he couldn't send me a copy of something I had signed that he wouldn't be getting any form of money from me. He got fed up of arguing the toss and hung up!!! Job done! I haven't had a phone call since....That was last Tuesday:T

rondedlabandi

Hi can any one help me please
i just received 15 letters in one day from Lowell Portfolio 1,stating we are contacting you about your Barclay's account /Abbey account which was opened on the 05/2004 and 10/2004 Barclay card and Abbey national have sold the accounts to us as there was outstanding balance which they have been unable to recover.This may be is an outstanding Barclay card and Abbey national did not have your up to date address details and therefore you were not in position to discuss the account with them
we have used the services of a credit reference agency and they have provided your address to us.therefore we would like to discuss with you a repayment solution to repay the outstanding balance on this account,and to confirm the information we hold is correct and up to date .
if you have any queries or questions and if you do not contact us to discuss repayment within 14 Days from the date of this letter ,we will pass this account to our debt collection department who will take relevant steps to recover the debt.
Now i have checked my credit file there is no searches made by Lowell Portfolio...can any one please help me ..

rondedlabandi

Hi can any one help me please
i just received 15 letters in one day from Lowell Portfolio 1,stating we are contacting you about your Barclay's account /Abbey account which was opened on the 05/2004 and 10/2004 Barclay card and Abbey national have sold the accounts to us as there was outstanding balance which they have been unable to recover.This may be is an outstanding Barclay card and Abbey national did not have your up to date address details and therefore you were not in position to discuss the account with them
we have used the services of a credit reference agency and they have provided your address to us.therefore we would like to discuss with you a repayment solution to repay the outstanding balance on this account,and to confirm the information we hold is correct and up to date .
if you have any queries or questions and if you do not contact us to discuss repayment within 14 Days from the date of this letter ,we will pass this account to our debt collection department who will take relevant steps to recover the debt.
Now i have checked my credit file there is no searches made by Lowell Portfolio...can any one please help me ..

fermi

Are the debts yours? And if so, when would you have last made a payment to them or acknowledged them in writing?

rondedlabandi

Hi can any one help me please
i just received 15 letters in one day from Lowell Portfolio 1,stating we are contacting you about your Barclay's account /Abbey account which was opened on the 05/2004 and 10/2004 Barclay card and Abbey national have sold the accounts to us as there was outstanding balance which they have been unable to recover.This may be is an outstanding Barclay card and Abbey national did not have your up to date address details and therefore you were not in position to discuss the account with them
we have used the services of a credit reference agency and they have provided your address to us.therefore we would like to discuss with you a repayment solution to repay the outstanding balance on this account,and to confirm the information we hold is correct and up to date .
if you have any queries or questions and if you do not contact us to discuss repayment within 14 Days from the date of this letter ,we will pass this account to our debt collection department who will take relevant steps to recover the debt.
Now i have checked my credit file there is no searches made by Lowell Portfolio...can any one please help me ..

fermi

Instead of posting the same thing all over again, can you answer my question please?

rondedlabandi

yes ..but i did not acknowledge any thing in writing or did not pay any thing to them since 2005..i did not receive any letters in last six years now they are threatening me ..to day i received letter from RED deb collectors..saying that they are acting on behalf of Lowell portfolio
what should i do now

fermi

Info and letters in this link.

https://forums.moneysavingexpert.com/discussion/2606811

rondedlabandi

Thank you very much for the info .. I have read in the forums that I should not sign the letters sent to deb collecting agencies ...please correct me if I am wrong

angleandrory

can anyone helpme???? I have been in contact with Lowell, I I have been paying back debts they claim I owe to them, they phoned and sent letters to me I spoke to them and just kept thinking of my credit report if I did not pay them up, as it happen I have just paid abit more of and have come across this site and am shocked to see everyone comments, by reading some off these, I am guessing I do not really have much of a case as I have been paying them as I am a bit nieve sometimes as assumed I had to pay as I want to buy a house soon and I was worried for my credit. I have put in for a request for my credit report which I will get in a few days. Is there anything I can do?

Thanks