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    • jbryce
    • By jbryce 13th Apr 18, 9:53 PM
    • 10Posts
    • 1Thanks
    Arvarto Financial Solutions / Lowell Portfolio
    • #1
    • 13th Apr 18, 9:53 PM
    Arvarto Financial Solutions / Lowell Portfolio 13th Apr 18 at 9:53 PM
    I received a letter from Lowell Portfolio saying they have bought a debt from EDF relating to a property I've never lived in, during a period that ends about 6 months after I moved into my current address, and is 5 - 7 years ago, so part of it would likely be statute-barred anyway. The address also doesn't exist on the Postcode Address File.

    I received a letter about this supposed in 2014 from 1st Locate, sent them a Prove It letter, and heard nothing back.

    Has anyone else had this?

    My Experian credit score, obtained via Barclaycard, is 999, the maximum possible, so clearly there is nothing of concern there; and my Noddle report doesn't show anything about EDF, or anything at all of concern, score is a bit lower, but still very good.

    I guess I will send them another Prove It letter. Are they likely to take it any further, or is it just a speculative invoice?
Page 1
    • sourcrates
    • By sourcrates 13th Apr 18, 10:32 PM
    • 13,989 Posts
    • 13,254 Thanks
    • #2
    • 13th Apr 18, 10:32 PM
    • #2
    • 13th Apr 18, 10:32 PM
    Send the provit, see what Lowell come back with.

    You seem to have a number of arguments here :

    (1) it may not be your debt
    (2) most likely statute barred anyway
    (3) the back billing rule may apply.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
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