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Received this letter after sending Prove It to Lowell
Comments
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I'm happy to post any updates I receive on here that they send me. I just feel like I'm wandering at the moment, like I'm stuck in limbo cos I have no idea what to do or how to approach them. If this debt is proven to be mine, ideally I would like to offer them £1200 as an F & F, how receptive do you think they would be?0
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nextavailable wrote: »I'm happy to post any updates I receive on here that they send me. I just feel like I'm wandering at the moment, like I'm stuck in limbo cos I have no idea what to do or how to approach them. If this debt is proven to be mine, ideally I would like to offer them £1200 as an F & F, how receptive do you think they would be?
Contact them, they're not scary at all and have no powers other than to get a CCJ if you don't play ball.
Get a full breakdown of costs. If the termination fee is wrong, there's no point in paying a F&F until the actual balance owed is correct. Your account is on hold for now anyway, but if you can say that your contract was £60pm, the maximum contract termination charge would be £1440 if you cancelled without paying a single monthly payment.
In debt and looking for help? Look here for the MSE Debt Help Guide.
Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.0 -
I was going to say send the provit letter, then thought better of it.
If its just the balance you dispute, a simple letter to that effect will suffice.
Be sure to ask for a breakdown of how the termination fee was calculated, its not unheard of for mistakes to happen.
Lowell are actually one of the more compliant debt purchase companies out there.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-letter0 -
sourcrates wrote: »I was going to say send the provit letter, then thought better of it.
If its just the balance you dispute, a simple letter to that effect will suffice.
Be sure to ask for a breakdown of how the termination fee was calculated, its not unheard of for mistakes to happen.
Lowell are actually one of the more compliant debt purchase companies out there.
The letter he got WAS the response to a prove It letter, so this is dealing with the aftermath of that
In debt and looking for help? Look here for the MSE Debt Help Guide.
Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.0 -
According to the letter they sent me, they have requested statements from Orange, now EE I suppose, and I guess I'm waiting for them to send them to me. I'm happy to post them when they come. I just don't want them levying me with loads of charges and threatening me when I actually have a desire to get rid of it.0
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