Any Advice?

honey_bee19

Hi there,

Before Christmas I received a letter from a company called Lowell Financial claiming that they had bought out a debt from T-Mobile for £70 that belonged to me. As far as I am aware, I have never had a debt to T-Mobile and the only communication I've ever had was a shoddy letter purporting to be from them, printed on a Lowell printer and with what looks like a T-Mobile logo ripped off the internet which accompanied the original Lowell letter! I passed it off as phishing at first but I am getting a letter every week or so from them now threatening to take me to court (For £70??!?)

Basically, I'm wondering what the best way to handle it is. Do I go to T-Mobile with a complaint, or go to Lowell and dispute it? I have no clue what this 'debt' is for as any contract I've ever had with T-Mobile I've cancelled once the contract was up and paid a final bill - have no paperwork though as this was years ago!

All advice gratefully received

FinanciallyUnsavvy

I would contact T-Mobile in the first instance. If it is genuine, then it may be that it was never correctly processed on their end. If Lowell is a phishing scam, then T-Mobile will still want to know about it! Hope you get sorted either way!

Tixy

The first step for any letter like this would be to send the prove it letter template to the debt collector- Letter when you know nothing about about the debt - AKA "Prove it" letter

and wait to see what if anything they send in reply.