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Help for a friend with debt with Lowell - advice needed

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  • Help for a friend with debt with Lowell - advice needed


    I wonder if you could give me some advice. In September last year, a friend of mine who had a gambling problem took out a contract for a phone with 02 via Carphone Warehouse. He quickly worked out that he couldn’t afford the phone so about a month later we returned the phone (still sealed in box) to Carphone Warehouse and wanted to cancel the contract. As it was outside the 14 day cooling off period, the shop advised us to speak to Carphone Warehouse customer services who advised us to speak to 02. As my friend has severe anxiety and depression and ongoing physical and mental health difficulties he couldn’t do the phone conversations necessary so I tried on his behalf with both companies but no-one would discuss the situation with me (I tried numerous times). And my friend couldn’t have the conversation with them.

    A couple of weeks after we’d returned the phone it seems the 02 debt was passed to Lowell. Over the past couple of months they have been writing to him and phoning him daily multiple times about the debt, this has massively escalated his anxiety and stress. They have now set him a ‘pre-legal assessment’ letter saying he needs to get in touch with them to sort out payment. He has asked me to do this on his behalf.

    In the interim, about 3 weeks ago we returned to the store where the contract was purchased to try and sort this out. It turns out that they still have the sealed phone and paperwork in the safe. We spoke to the manager who had advised that I send him a timeline of events and he would escalate it further up in the company. This has been done and today I received email confirmation that he’s forwarded this to the appropriate person within Carphone Warehouse.

    My question is: what should I do about Lowell? Should I contact them on my friends behalf? And what is a pre-legal assessment?

    There seems to be mixed advice on the internet but I would appreciate people’s feedback on this forum.

    Thank you in advance for your help.
    Tags: None

  • #2
    Hi Lady_Bell & welcome

    To begin with, this is what the FCA has to say re vulnerable persons.

    See below post
    CAVEAT LECTOR

    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb


    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.


    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

    Comment


    • #3
      Attached
      Attached Files
      CAVEAT LECTOR

      This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

      You and I do not see things as they are. We see things as we are.
      Cohen, Herb


      There is danger when a man throws his tongue into high gear before he
      gets his brain a-going.
      Phelps, C. C.


      "They couldn't hit an elephant at this distance!"
      The last words of John Sedgwick

      Comment

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