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Hi currently disputing debt
Lowell have chased since 2007, went dormant in 2009 and then raised again in October 2014.
I contacted them in 2007 & 2008 in writing and via telephone , have all the letters and threats from2007 to present day.
I have supplied in writing police incident number, 4 letters and numerous phone calls,at no stage did they suspend collection until the FOS wrote to them this year.
After raising with the ombudsman for both Capital One and Lowell , Capital One confirmed I was not connected to the debt
Lowell investigated and offered £100 in full and final settlement, I wrote back basically saying that for being harassed since 2007 this offer was not acceptable and I received another offer of £500.
My questions are
1) is this a fair offer considering they have chased me at various stages for over 7 years when I told them at the first letter stage verbally and in writing on at least four occasions
2) Are Capital One culpable in this and do I have grounds for financial redress from them , for the stress caused as a result.
3) I don't want to be unreasonable but they have chased me for years knowing the debt is in dispute and never ceased to do further checks
I have a very good paper trail from 2007 to the present date
My final reply was that I would accept £750 in full and final settlement, there responds is that £500 would not be increased!
Any thoughts would be most welcome
Lowell have chased since 2007, went dormant in 2009 and then raised again in October 2014.
I contacted them in 2007 & 2008 in writing and via telephone , have all the letters and threats from2007 to present day.
I have supplied in writing police incident number, 4 letters and numerous phone calls,at no stage did they suspend collection until the FOS wrote to them this year.
After raising with the ombudsman for both Capital One and Lowell , Capital One confirmed I was not connected to the debt
Lowell investigated and offered £100 in full and final settlement, I wrote back basically saying that for being harassed since 2007 this offer was not acceptable and I received another offer of £500.
My questions are
1) is this a fair offer considering they have chased me at various stages for over 7 years when I told them at the first letter stage verbally and in writing on at least four occasions
2) Are Capital One culpable in this and do I have grounds for financial redress from them , for the stress caused as a result.
3) I don't want to be unreasonable but they have chased me for years knowing the debt is in dispute and never ceased to do further checks
I have a very good paper trail from 2007 to the present date
My final reply was that I would accept £750 in full and final settlement, there responds is that £500 would not be increased!
Any thoughts would be most welcome
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