Provit Query

feelsfeels

Hi all,

Just wanted to ask if I can send a provit letter to Lowell for an old mobile phone debt and a Paypal loan debt?

Can a provit request be sent via email as well?

Thank you for your response.

sourcrates

Hi,

Why would you think you couldn`t send a "provit letter" to Lowell for these debts ?

For the avoidance of any doubt, anyone who writes asking you to pay a debt, must provide proof of your liability when asked.

Its a basic first step when dealing with any kind of debt, you always ask them to prove you actually owe this money, regardless of what you may already know about the debt, a collector/DCA/creditor whoever they are, has to provide evidence on request, in order to legally be able to collect such a debt.

If they can`t provide anything, then you cannot be coerced into paying it, its the same at court, no evidence equals no liability on your part, so it`s a pretty important statutory right, don`t you think.

A request for evidence should always be sent in writing, but email is acceptable.

feelsfeels

Hi again,

I did send a provit letter  regarding the alleged mobile phone debt and I got this one-page sheet after an initial letter stating that they have sent a request to the service provider for the details of the account. 

My question is does this suffice as a proof/evidence of debt ownership for a mobile phone debt?

What documentation should I be expecting for a Provit query?

Thank you

fatbelly

Is there anything there that links it to you?

When was the last alleged payment according to them?

sourcrates

Does it contain any of your personal details, any bank account or card numbers that link it to you ?

If not, then it could be anybody's old bill.

Brie

And does it show an amount outstanding at the bottom?  I can just see something periodic for £27.50 but I would expect something that clearly states "amount owed" at a certain date.

feelsfeels

@fatbelly last payment according to them was 03/08/2016

@sourcrates my name and former address

@Brie the outstanding amount is the £254.73 at the top under debit.

A previous letter stated that they were in contact with the service provider to request copy statements of the account and the screenshot was what they eventually sent to me. 

Brie

Ah!  I was working from the top down but you are saying it goes from the bottom up.

So you paid £254.73 which brought your balance to zero and the account was closed.  And then the £254.73 payment bounced?  Possibly you had cancelled your DD too quickly resulting in the bank refusing to honour it??   

It appears there was a previous bounced payment of £59.22 which you cleared with a payment of £90.58 which also bounced.  So obviously there were some problems towards the end of your time with the provider.

Brie

Also - it seems most of the charges have been around the £30 mark but suddenly the last charge is for £164.15 which I assume may be an early termination payment.  I would be questioning if that is correct or not.

fatbelly

Last payment 16/8/16 means it will go statute barred next month.

I'd ignore this - Lowell have bought a dud.

feelsfeels

@Brie Thank you for your suggestion.

@fatbelly If that is the last payment date, do they not have to add an extra 3 - 6 months before it is registered as a default?

I was hoping a provit letter will allow me get more information about this debt other than the statement I uploaded.