Lowell portfolio / overdales solicitor

Hi can anybody help I received a letter from Lowell saying they have bought a debt from hoist claiming that I owe money for a Barclaycard ive contacted Barclaycard they know nothing about it I’ve also banked with Barclays for over 20 years they have never contacted me regarding this debt there’s nothing on my credit file but Lowell have said there passing it to overdales for litigation and have said that hoist started a ccj against me bought I’ve never been contacted till Lowell I don’t know what to do as Barclaycard said I’m currently a customer and account is update and the amount isn’t even the amount Lowell are claiming 


  • Send a prove it letter.
  • grumbler
    grumbler Posts: 58,629 Forumite
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    Unless you have some very rare name, it's likely to be mistaken identity.
    I think you can just ignore this, but to make sure repost on    Debt-free wannabe    board here.

  • dan2406
    dan2406 Posts: 5 Forumite
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    funnily enough i had a similar letter, I called them up politely and found them to be a little rude on the phone an talking down to me . perhaps they get shouted alot. Anyway i said i had no knowledge of it and ask for more prove. that was the last i heard off them and its been well over 2 months.  I would stand your ground ask for the original CCA. I highly doubt they can do anything legally if there nothing on your file and you have not acknowledged it 

    Will be good to know if you do get a response from them.
  • sourcrates
    sourcrates Posts: 28,876 Ambassador
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    I know the OP hasn`t been back in over a month, but if they do happen to read this, then sending the PROVIT letter, as advised in post #2# would be the way forward.

    Acknowledgement of a debt affects only the limitation period for that account, nothing else, Lowell can quite easily pursue legal action against you, should they choose to do so.

    In all possibility it could be a mis-trace, but if that`s the case, to remedy the matter, you must ask them to provide you with evidence of your liability for the debt, only then will they look any deeper into it.

    Debts are sold in bulk, sometimes with precious little information attached to them, mistakes are common place, so always ask for evidence in response to events 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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