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  • FIRST POST
    • jbryce
    • By jbryce 13th Apr 18, 9:53 PM
    • 25Posts
    • 4Thanks
    jbryce
    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
    • 15,879 Posts
    • 14,929 Thanks
    sourcrates
    • #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 forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • jbryce
    • By jbryce 11th Aug 18, 5:55 PM
    • 25 Posts
    • 4 Thanks
    jbryce
    • #3
    • 11th Aug 18, 5:55 PM
    • #3
    • 11th Aug 18, 5:55 PM
    They have now written asking me to prove that I didn't live at the address in question, which is impossible, because even if I send them evidence of living at another address, they could claim I had two houses.
    • tight4rse
    • By tight4rse 11th Aug 18, 6:11 PM
    • 30 Posts
    • 6 Thanks
    tight4rse
    • #4
    • 11th Aug 18, 6:11 PM
    • #4
    • 11th Aug 18, 6:11 PM
    The onus is on them to prove that you are the Debtor, and not the other way round.
    • sourcrates
    • By sourcrates 12th Aug 18, 5:12 PM
    • 15,879 Posts
    • 14,929 Thanks
    sourcrates
    • #5
    • 12th Aug 18, 5:12 PM
    • #5
    • 12th Aug 18, 5:12 PM
    They have now written asking me to prove that I didn't live at the address in question, which is impossible, because even if I send them evidence of living at another address, they could claim I had two houses.
    Originally posted by jbryce
    The onus is on them to prove that you are the Debtor, and not the other way round.
    Originally posted by tight4rse
    Exactly this.

    They are the ones obliged to prove liability, itís not up to you to prove anything.

    Write back stating the above, and if they cannot or will not comply, then make an official complaint, and escalate to the ombudsman if need be.
    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 forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
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