Scotcall>Capquest>Lowell demands

sourcrates

sizle wrote: »

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?

Send it now, chances are Lowell may not have the correct paperwork, have I got this right, you know nothing about this debt at all ? if so don't send CCA, send provit, as if you CCA them you are acknowledging the debt by doing this, as you can only apply for a CCA on an account in your name, if you send provit its up to them to prove you owe the debt, not up to you to prove you don't.

sizle

sourcrates wrote: »

Send it now, chances are Lowell may not have the correct paperwork, have I got this right, you know nothing about this debt at all ? if so don't send CCA, send provit, as if you CCA them you are acknowledging the debt by doing this, as you can only apply for a CCA on an account in your name, if you send provit its up to them to prove you owe the debt, not up to you to prove you don't.

Thanks for your post sourcrates.

You are correct with the fact I know nothing about this debt.

I had an account with them and was up to date with everything until the place where I was staying/address where account was held caught fire in Oct 2010 and I ceased using the account then.

I will send them a recorded 'prove it' letter now, thanks.

sizle

Happy New Year Folks!!

Just got a letter through the post following my 'prove it' letter.

Its states:

We are writing to advise you that we have requested statements and credit agreements which will show how the balance we have requested is made. This will be forwarded to you upon receipt. Please be assured that your account has been placed on hold until the request statements and credit agreement been received, at which point we will require your proposals of repayments. We trust this clarifies the matter.

So will wait for a further correspondence...

sizle

Following my 'Prove it' letter, I received a letter this week from Lowell enclosing copies of 3 statements for the Mar/Apr/May 2012 that show the balance. (Bear in mind I moved out of that property Oct 2010 due to a house fire???) What does these statements prove? Should I be getting more information as proof that I owe this balance? The statements don't even have my correct details and I am suspecting fraud here, can anyone tell me what my rights are in the this situation?

rizla_king

Proves nothing. Usual half hearted bullsh!t from Lowell.

They need to prove that without doubt you accrued and owe the debt. As you didn't, all Lowell can provide is that in the hope that you are daft enough to think it proves anything.

happy_bunny_2

As Rizla says, proves nothing. I would ignore for now.

sizle

Thanks for your replies Rizla and Bunny.

Moving forward I will ignore but I suspect they will keep writing to me. Would it be a good idea to write back to say what they have supplied does not prove anything?

reme65

Hi all

This is my first post and the reason for it is to say that I have successfully managed to close 8 accounts, most with Lowell. I used the letter templates . The first letter I sent was the statue barred, if that didn't work I sent them the unfair practice template. Most of the accounts were over 6 years old and the total value of the accounts was approx £25K. Thanks to Martin and the team for sorting out the templates

reme65

Just reading your posts about Lowell and when you send the unfair practice letter you will get a reply with the following paragraph "Please be advised that The Lowell Group of Companies at the point of purchase are assigned all the rights and benefits associated with the account but we do not hold copies of the agreements within our offices. We, therefore cannot provide you with any information regarding the account." This tells me that they will never be able to supply you with a copy of the original agreement, therefore, if you challenge them the debt will become unenforceable under CCA.

sourcrates

sizle wrote: »

Following my 'Prove it' letter, I received a letter this week from Lowell enclosing copies of 3 statements for the Mar/Apr/May 2012 that show the balance. (Bear in mind I moved out of that property Oct 2010 due to a house fire???) What does these statements prove? Should I be getting more information as proof that I owe this balance? The statements don't even have my correct details and I am suspecting fraud here, can anyone tell me what my rights are in the this situation?

Are you positive there was no outstanding balance on the account ? did anyone else have access to this account ?, if it was me I`d be interested to know where the goods they say you owe money for were delivered to, if you genuinely know nothing about it then, if it was me, I would want answers to these questions, as the defaults registered for non payment will be hurting your credit for sure !!