Help to deal with Lowell

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AmandaC18
AmandaC18 Posts: 9 Forumite
in Debt-free wannabe
My husband has 4 different debts that Lowell have now bought. Honestly we have just ignored them which I know us worse thing to do but we are barely getting by just paying normal bills never mind old debts. They have now threaten us with court action for one of the accounts ( which I don't understand why not all?) I have read that we should send a letter asking for proof that these are our debts is this true? Also they have spelt my husband's surname wrong on the letters. One of the debts is over 6 years old and we haven't paid anything towards the others in over 3yeara at least. Thank you for any advice.
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  • sourcrates
    sourcrates Posts: 28,888 Ambassador
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    Hi,

    Send provit letter to all of them.

    See what comes back, do this now to avoid court action.

    If any then appear statute barred, the appropriate letter must again be sent.

    Provit letter here :
    https://forums.moneysavingexpert.com/showthread.php?t=2607247
    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
  • AmandaC18
    AmandaC18 Posts: 9 Forumite
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    Hi do I send letter to Lowell to prove it or to the individual companies? Then what is the next step after I have sent that. Thank you
  • sourcrates
    sourcrates Posts: 28,888 Ambassador
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    edited 5 June 2018 at 11:05AM
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    AmandaC18 wrote: »
    Hi do I send letter to Lowell to prove it or to the individual companies? Then what is the next step after I have sent that. Thank you
    To Lowell,

    Quote each individual ref number, then see what they come back to you with.

    Post back if you need further help at that point.
    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
  • AmandaC18
    AmandaC18 Posts: 9 Forumite
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    Sourcrates.
    I have recieved a letter from Lowell saying that they have chosen one of the debts and if I do not contact by end of month they are taking legal action. What I have noticed is that there were 4 debts but one is away now. They haven't acknowledged the prove it letters that I have sent. What do i do? Do I phone to inform them of the letters that have been sent? They are still spelling our surname wrong too. TIA
  • fatbelly
    fatbelly Posts: 20,504 Forumite
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    I wouldn't phone them.

    If they are going to try court action they must precede it with this

    https://debtcamel.co.uk/letter-before-claim-ccj/

    and give you 30 days to reply. You can ask for the proof at that stage if it hasn't already come.

    How long is it since you last made a payment on the one they have chosen?
  • sourcrates
    sourcrates Posts: 28,888 Ambassador
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    edited 17 June 2018 at 5:02PM
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    The civil procedure rules were updated October 1st 2017, much more to the benefit of the debtor.

    Before court action can commence, the creditor MUST send you, what is known as a Letter Before Action, this basically sets out there case against you, its a questionnaire style form, and you can ask for the evidence then, as Fatbelly pointed out, they cannot refuse cooperation once this process has started.

    It is designed to resolve as many cases as possible without the need to continue to court.

    So, call there bluff, wait for the LBA, then proceed from there.

    You may have to fight each one on this basis, or you could just send a reminder letter to Lowell, they are a big organization with many different depts, confusion doth reign within them at times.

    I have found that email works well with Lowell.


    Fatbelly makes an important point here :

    "How long is it since you last made a payment on the one they have chosen ?"
    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
  • AmandaC18
    AmandaC18 Posts: 9 Forumite
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    I don't know exactly but it's been at least 2years although not as much as 5 years. Should I just send another proof it letter to them? I have a note and photo of me posting the first letter to prove that I have sent them and not just pretending.
  • AmandaC18
    AmandaC18 Posts: 9 Forumite
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    Also I have never been given email address on any correspondence it has always been phone, post or via their website.
  • sourcrates
    sourcrates Posts: 28,888 Ambassador
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    AmandaC18 wrote: »
    Also I have never been given email address on any correspondence it has always been phone, post or via their website.

    Use this :

    support@lowellgroup.co.uk
    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
  • AmandaC18
    AmandaC18 Posts: 9 Forumite
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    Should I email them all the proof it letters again? Thank you so much for all your help !!!55357;!!!56842;
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