Lowell’s & Old mobile phone accounts

Floyd_24

Hi, 

I have contacted Lowell’s because I keep getting letters from them. They have confirmed that the letters are for old mobile phone contract debts but they say the can’t give me any details of credit agreements because phone agreements are done online so they don’t have access to them. They’ve also said that it’s not regulated credit so they don’t need to provide me with evidence. 

Is this right? Surely I’m entitled to know what they’re collecting is correct? (For context I was in an abusive marriage for 20 years so debt that I know nothing about just keeps rolling in 😩) 

thank you 

sourcrates

They are right in that service agreements are not credit agreements, so have no written agreement as such.

However they can`t just rock up and say you owe us money, pay up now, without providing some kind of evidence of liability.

And when they say old, how old, more than 6 years old?

The limitation act may apply, be careful what you say to Lowell, stop talking to them, and send the prove-it letter to them, include reference numbers for all the accounts they are chasing you for, they have to provide evidence, air time bills are acceptable, anything over 6 years old might be statute barred and you won`t have  to pay it.

Edit the prove-it letter to reflect airtime agreements, use this paragraph:

"I have no knowledge of any such debt being owed to [company name]"
or
"I have no knowledge of ever having a contract with (airtime provider name)".

Letter template is here:

Letter when you know nothing about about the debt - AKA "Prove it" letter — MoneySavingExpert Forum

Floyd_24

sourcrates said:

They are right in that service agreements are not credit agreements, so have no written agreement as such.

However they can`t just rock up and say you owe us money, pay up now, without providing some kind of evidence of liability.

And when they say old, how old, more than 6 years old?

The limitation act may apply, be careful what you say to Lowell, stop talking to them, and send the prove-it letter to them, include reference numbers for all the accounts they are chasing you for, they have to provide evidence, air time bills are acceptable, anything over 6 years old might be statute barred and you won`t have  to pay it.

Edit the prove-it letter to reflect airtime agreements, use this paragraph:

"I have no knowledge of any such debt being owed to [company name]"
or
"I have no knowledge of ever having a contract with (airtime provider name)".

Letter template is here:

Letter when you know nothing about about the debt - AKA "Prove it" letter — MoneySavingExpert Forum

Thank you so much for this  🙏