Scotcall>Capquest>Lowell demands

sizle

Hi folks,

New to this so please be gentle.


I have read a few posts about these companies and some of the problems experienced but can't seem to find anyone with a similar problem (Using the search function). Here a brief outline of whats happened so far.

Early this year I was contacted by Scotcall/Capquest regarding a debt from Next PLC. They called me on a few ocassions and I told them I knew nothing about this debt. I use to have an account with them and was up to date with everything until the property I was staying at had a house fire in 2010, where I lost everything and had to relocate. Since I moved away from that property I never used the account, however, Next are stating that I have used it to buy goods and owe over a £1000, not sure of .

They called me a few times to discuss this debt which I have dismissed on several occasions, they then sent me a few letters demanding money and I sent them a template letter and didn’t hear anything for a while until now.

Last week, Next sent me a letter stating the debt has been passed onto another company accompanied by a letter from Lowell Portfolio I Ltd stating they will be taking on the debt. Having read on the forum a few articles about this company for different situations I am unable to find anyone with a similar problem.

I was wondering what would be the best way to tackle this issue as I understand this company can be quite awkward to deal with.

Any help or guidance on this matter would be warmly welcomed.

Tixy

Hi and welcome

What template letter did you send in relation to the debt?

Have next/scotcall/capquest at any point this year provided you with any statements in relation to the alleged debt?

Have lowell written to you yet?

sizle

Hi Tixy,

Thanks for your response.

To date neither Scotcall/Capquest have provided any statements, just letters of demand.

Next wrote to me last week and there was a letter from Lowell attached.

The template letter is filed away some where (I will dig this up this evening) and get back to you.

ReginaII

As a general rule with DCAs it is best to ignore them until such time as they start getting heavy. Most of the time they'll get fed up and bounce it from one to another.

However, occasionally, one will attempt to move things along and threaten you with legal proceedings, it is always essential that you respond to any letter before claim. Then it's time to ask them to provide proof that you owe the debt and, if they do provide it, then it's up to you to negotiate with them or not.

You can, if you want to, then send them down the road of a Subject Access Request which will keep them busy for another while.

sizle

ReginaII wrote: »

As a general rule with DCAs it is best to ignore them until such time as they start getting heavy. Most of the time they'll get fed up and bounce it from one to another.

However, occasionally, one will attempt to move things along and threaten you with legal proceedings, it is always essential that you respond to any letter before claim. Then it's time to ask them to provide proof that you owe the debt and, if they do provide it, then it's up to you to negotiate with them or not.

You can, if you want to, then send them down the road of a Subject Access Request which will keep them busy for another while.

Thanks for your responses ReginaII.

I was considering ignoring them, but should I wait before requesting proof that I owe a debt?

When should I request a Subject Access Request?

sizle

Tixy wrote: »

Hi and welcome

What template letter did you send in relation to the debt?

Have next/scotcall/capquest at any point this year provided you with any statements in relation to the alleged debt?

Have lowell written to you yet?

I sent Scotcall a template letter stating: "I do not acknowledge any debt to you or any other company that you claim to be representing" and requesting proof of my liability regarding this debt and payment or written contact from me in the relevant period under Section 5 of the Limitation Act.

Their response was to send me back a copy of the template letter stating they are no longer dealing with this and has been referred back to their client Capquest.

Capquest then wrote to me stating they will visit me personally via their doorstep collection agency and possible litigation. I cannot recall if I sent them another template letter or if I ignored them, but 5 months after this I then got the letter from Next PLC along with the letter from Lowel Portfolio I stating they have bought the debt.

happy_bunny_2

Send Lowell the prove it letter again.
http://forums.moneysavingexpert.com/showpost.php?p=11570893&postcount=2

ReginaII

sizle wrote: »

Thanks for your responses ReginaII.

I was considering ignoring them, but should I wait before requesting proof that I owe a debt?

When should I request a Subject Access Request?

Hi,

I'd just ignore until such time as they seem to be pushing the envelope. The trouble with making any kind of response to a DCA is that once you blink it then becomes a feeding frenzy for them.

I would first CCA the original creditor once you feel they've (the DCA) moved from the 'we'd like to help you' stage. Then send them a letter saying you've requested these details, so they can regard it as in dispute. If you get the CCA, then SAR again the OC and write again to DCA a dispute letter.

Always with the disclaimer of not acknowledging any debt to them or any of their associates. Letters sent special delivery, signed for.

If you get all the info you've requested, check default notices, assignments, and also check for illegal charges. If all's ok then make them an offer, if not dispute.

sizle

I was planning on going down the 'ignore' route, but then received a letter from Lowell stating 'the debt is still outstanding, how they can help and if I don't repay or enter a repayment plan they will either start legal proceedings or send account to a home visit agent.'

Would it be wise to continue ignoring or should send them a 'prove it' letter?

happy_bunny_2

I would think the prove it letter is in order.

sizle

happy_bunny wrote: »

I would think the prove it letter is in order.

Thank you happy_bunny for your reply. Should I wait til I get another letter from Lowell or send them the 'prove it' letter ASAP?