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Lowell .. Advice pleas

theblues
theblues Posts: 2 Newbie
in Debt-free wannabe
I am being chased for a debt from Lowell I have no knowledge of the debt and have sent a prove it letter the response I got from Lowell was the following to my astonishment !!
Dear xxxxxx
Thank you for your letter dated xxxxxx
We understand that you have no knowledge of this debt and request closure or proof of the debt or otherwise you will make a complaint to trading Standards and the FCA
This account relates to a xxxxxx credit card at xxxxx(address)
Due to the age of the account we are unable to evidence your liability and proof of the balance. Therefor we offer a discount of 15% in order to bring the matter to closure.
We understand that you may refer the matter as a complaint and therefore attach a copy of our complaints procedure.
We trust this clarifies the matter and look forward to hearing from you in the next 14 days.

How on earth can a company work and get away with this kind of practice !! they are admitting they cannot prove I owe the alleged debt however they are still asking for payment !!
Any advice as to what my next course of action should be against these incompetent muppets ?

Thanks

Comments

  • rizla_king
    rizla_king Posts: 2,895 Forumite
    Dear Lowell,

    **** off and leave me alone then.

    Kind regards.

    the blues
    Still rolling rolling rolling...... :) <
    SIGNATURE - Not part of post
  • rizla_king
    rizla_king Posts: 2,895 Forumite
    More seriously read http://forums.moneysavingexpert.com/showpost.php?p=57703407&postcount=3 Take the crooks to the FOS and report them in the end if needed.
    Still rolling rolling rolling...... :) <
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  • FireWyrm
    FireWyrm Posts: 6,557 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Dear Morons

    I thank you for your acknowledgement of my lack of culpability in this debt issue. I decline your offer of a 15% reduction on a debt I do not owe and you cannot prove that I do, and raise you a 100% reduction on said debt.

    In short, f**k off.

    Good bye
    Debt Free! Long road, but we did it
    Meet my best friend : YNAB (you need a budget)
    My other best friend is a filofax.
    Do or do not, there is no try....Yoda.

    [/COLOR]
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I can only agre with everything rk says.


    A long walk off a short pier.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • theblues
    theblues Posts: 2 Newbie
    Thanks for advice.

    If it was April I would be thinking this was an April fools joke !!
    Seriously how can a company acknowledge they cannot prove I owe a debt and then go on to ask for payment !! it really just is unbelievable !!!
  • sourcrates
    sourcrates Posts: 32,518 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    theblues wrote: »
    Thanks for advice.

    If it was April I would be thinking this was an April fools joke !!
    Seriously how can a company acknowledge they cannot prove I owe a debt and then go on to ask for payment !! it really just is unbelievable !!!



    That's what you get from an un-regulated industry such as this !!
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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