A question about : Scotcall>Capquest>Lowell demands
Hi folks,
New to this so please be gentle.
I have read a few posts about these companies and some of the problems experienced but can't seem to find anyone with a similar problem (Using the search function). Here a brief outline of whats happened so far.
Early this year I was contacted by Scotcall/Capquest regarding a debt from Next PLC. They called me on a few ocassions and I told them I knew nothing about this debt. I use to have an account with them and was up to date with everything until the property I was staying at had a house fire in 2010, where I lost everything and had to relocate. Since I moved away from that property I never used the account, however, Next are stating that I have used it to buy goods and owe over a Ј1000, not sure of .
They called me a few times to discuss this debt which I have dismissed on several occasions, they then sent me a few letters demanding money and I sent them a template letter and didn't hear anything for a while until now.
Last week, Next sent me a letter stating the debt has been passed onto another company accompanied by a letter from Lowell Portfolio I Ltd stating they will be taking on the debt. Having read on the forum a few articles about this company for different situations I am unable to find anyone with a similar problem.
I was wondering what would be the best way to tackle this issue as I understand this company can be quite awkward to deal with.
Any help or guidance on this matter would be warmly welcomed.
Best answers:
- Hi and welcome
What template letter did you send in relation to the debt?
Have next/scotcall/capquest at any point this year provided you with any statements in relation to the alleged debt?
Have lowell written to you yet? - Hi Tixy,
Thanks for your response.
To date neither Scotcall/Capquest have provided any statements, just letters of demand.
Next wrote to me last week and there was a letter from Lowell attached.
The template letter is filed away some where (I will dig this up this evening) and get back to you. - As a general rule with DCAs it is best to ignore them until such time as they start getting heavy. Most of the time they'll get fed up and bounce it from one to another.
However, occasionally, one will attempt to move things along and threaten you with legal proceedings, it is always essential that you respond to any letter before claim. Then it's time to ask them to provide proof that you owe the debt and, if they do provide it, then it's up to you to negotiate with them or not.
You can, if you want to, then send them down the road of a Subject Access Request which will keep them busy for another while. - Send Lowell the prove it letter again.
https://forums.moneysavingexpert.com/...93&postcount=2 - I was planning on going down the 'ignore' route, but then received a letter from Lowell stating 'the debt is still outstanding, how they can help and if I don't repay or enter a repayment plan they will either start legal proceedings or send account to a home visit agent.'
Would it be wise to continue ignoring or should send them a 'prove it' letter? - I would think the prove it letter is in order.
- Happy New Year Folks!!
Just got a letter through the post following my 'prove it' letter.
Its states:
We are writing to advise you that we have requested statements and credit agreements which will show how the balance we have requested is made. This will be forwarded to you upon receipt. Please be assured that your account has been placed on hold until the request statements and credit agreement been received, at which point we will require your proposals of repayments. We trust this clarifies the matter.
So will wait for a further correspondence... - Following my 'Prove it' letter, I received a letter this week from Lowell enclosing copies of 3 statements for the Mar/Apr/May 2012 that show the balance. (Bear in mind I moved out of that property Oct 2010 due to a house fire???) What does these statements prove? Should I be getting more information as proof that I owe this balance? The statements don't even have my correct details and I am suspecting fraud here, can anyone tell me what my rights are in the this situation?
- Proves nothing. Usual half hearted bullsh!t from Lowell.
They need to prove that without doubt you accrued and owe the debt. As you didn't, all Lowell can provide is that in the hope that you are daft enough to think it proves anything. - As Rizla says, proves nothing. I would ignore for now.
- Thanks for your replies Rizla and Bunny.
Moving forward I will ignore but I suspect they will keep writing to me. Would it be a good idea to write back to say what they have supplied does not prove anything? - Hi all
This is my first post and the reason for it is to say that I have successfully managed to close 8 accounts, most with Lowell. I used the letter templates . The first letter I sent was the statue barred, if that didn't work I sent them the unfair practice template. Most of the accounts were over 6 years old and the total value of the accounts was approx Ј25K. Thanks to Martin and the team for sorting out the templates - Just reading your posts about Lowell and when you send the unfair practice letter you will get a reply with the following paragraph "Please be advised that The Lowell Group of Companies at the point of purchase are assigned all the rights and benefits associated with the account but we do not hold copies of the agreements within our offices. We, therefore cannot provide you with any information regarding the account." This tells me that they will never be able to supply you with a copy of the original agreement, therefore, if you challenge them the debt will become unenforceable under CCA.
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