Lowell Finance Ltd

fatbelly

Pogo - if they send a letter before action, be sure to use the reply form (new pre-action protocol came in on 1 Oct).

The op is nowhere near that stage I hope.

PixelPound

Jim1980 wrote: »

I received a letter today from Lowell finance, stating that information provided from a credit reference agencies suggests that you are one of our customers and therefore we would like to speak to you regarding a personal matter. Should I phone them?

If its nothing specific, sounds like a general phishing letter. Someone with a similar/same name as you has a debt and has moved from the property they were at and they are trying to see if you are that person. Have you checked all the linked addresses on your credit files?

PixelPound

pogofish wrote: »

Nope, nothing from my past.

I've fully settled every debt I ever had and my determination to have nothing ever to do with that particular firm was steeled by the way they treated my mother when she was a customer.

So you can imagine my unbridled joy when in short order, I got a letter from the original firm and then Lowell demanding a not insignificant sum from me.

The original firm have backed-off after a fairly brusque correspondence but not Lowell, who have just started pestering me again by letter and this time phone despite clear cease and desist instructions.

If the original firm have sold it to Lowell, then of course they'll back off. You can send cease & desist letters, but they are unlikely to stop. It wouldn't be much of a business model of buying unpaid debts if they stopped when someone simply told them to stop sending letters :rotfl:

pogofish

And their right to sell-on my non-existent debt/personal information and have Lowell pursue me for it was what exactly?

sourcrates

If it’s your name, your address, then it’s either your account, or one taken out fraudulently in your name.

Either way you need to deal with it, provit letter should be your first step, see what comes back.

Take it from there.

Lowell buy bad debts and won’t b3 aware of any dispute.

StopIt

pogofish wrote: »

And their right to sell-on my non-existent debt/personal information and have Lowell pursue me for it was what exactly?

Someone has not paid this debt you mention. It may be completely unrelated to you, which is why you send the Prove It letter, to establish just where the debt came from.


Lowell are a typical DCA. Their tactics may be in question, but they buy debts in good faith. If the OC dropped a clanger, Lowell wont know this.

Send the Prove it letter, and deal with them from there. If it can be shown that the debt isn't yours, they will go away.
Remember everyone and their dog will deny debts that are theirs, so don't expect Lowell to go away just because you say so without going through correct procedure

PixelPound

pogofish wrote: »

And their right to sell-on my non-existent debt/personal information and have Lowell pursue me for it was what exactly?

So you believe they don't have your right to sell on your information & debt because you weren't asked for your consent to do so, or because the common law you are bound by means you don't recognise that there is a contract between you and Lowell?

Candyapple

What you need to do is check your credit files to see if there is an entry from Lowells on any of them:

The free versions to check your credit files are below:
Experian: https://www.moneysavingexpert.com/creditclub
Equifax: https://www.clearscore.com
Call Credit: https://www.noddle.co.uk

pogofish

nic_c wrote: »

So you believe they don't have your right to sell on your information & debt because

What debt?

How can a company I have never had any kind of relationship with suddenly decide I owe them money, never mind then selling it-on?

pogofish

Candyapple wrote: »

What you need to do is check your credit files to see if there is an entry from Lowells on any of them:

Done longsince - My bank were happy to do the check for me and are on my side in the matter.