BW Legal and Lowell

[poppysmum]

I have today received a letter from bw legal saying they represent Lowell on behalf of Shop Direct whereby they are claiming I owe £1000.

They also state in 2014 I was given a CCJ because of this debt and unless I contact them within 10 days they will Instruct their client to hire bailiffs.

For a start I've never had a shop direct account and certainly have never had any paperwork at this address regarding a CCJ.

What are my next steps to dispute this and Find out what the hell has gone on?!

[nemesis45]

Re: BW Legal and Lowell

I have today received a letter from bw legal saying they represent Lowell on behalf of Shop Direct whereby they are claiming I owe £1000.

They also state in 2014 I was given a CCJ because of this debt and unless I contact them within 10 days they will Instruct their client to hire bailiffs.

For a start I've never had a shop direct account and certainly have never had any paperwork at this address regarding a CCJ.

What are my next steps to dispute this and Find out what the hell has gone on?!

Good morning Welcome to LB,

Please check your credit reference files and/or trust online to see if a CCJ has been made, Noddle is a free online credit reference site, trust online holds records of all registered judgements, there is a small charge for each address searched.
Have you moved home in the last year or so, possibly meaning court papers were sent to a previous address?
Shop Direct covers a number of mail order companies and Argos, could this debt be on of these?
nem

[poppysmum]

Re: BW Legal and Lowell

I've been here three years and have never had a catalogue, loan or card

[nemesis45]

Re: BW Legal and Lowell

I've been here three years and have never had a catalogue, loan or card

OK get the checks done asap, please come back to us when you have the results.

nem

[poppysmum]

Re: BW Legal and Lowell

Theres nothing on my credit report at all. No CCJS or any mention of an oustanding debt for Shop Direct.

[poppysmum]

Re: BW Legal and Lowell

Anyone?

[nemesis45]

Re: BW Legal and Lowell

Ok Looks promising.

Send this to BW Legal:

Date:

Ref: use BW Legals>>>>>>

Sir / Madam,

I refer to your letter dated .................. in which you alleged that I owe a debt to your client Lowell and that a CCJ has been made against me regarding
an alleged debt your client states arises from an account with " Shop Direct ".

I have made checks upon my credit history including a Credit Reference File check, please now take not of the following points.

1. I am not now nor have I ever been a client/customer of any company in the Shop Direct Group.

2. There is No Record on my CRA Files regarding and debt or County Court Judgement under the title Shop Direct or Lowell.

3. I do not acknowledge any debt to any company of the Lowell Group or any associated company.

4. I require your client to explain full how any why I have been linked to this alleged debt.

5. I require the explanation within 7 days of the date hereon.

Failure to comply will result in a report being sent to the FCA in regard to the conduct of BW Legal and Lowell in
this matter.

Yours etc.

Also a copy of this to Andrew Bartle
Chief Operating Officer
The Lowell Group
Ellington House
9 Savannah Way
Leeds Valley Park
LS10 1 AH

Marked Private & Confidential send by signed for post and check delivery date.