Lowell financial

[owens92]

hi guys

so as the title says im having abit of a frustrating time with lowell financial. they have sent me numerous letters/texts and phone calls about owing £170.14 exactly

the problem is the original company that debt is from is called studio, with some research i can only assume this is the studio catalogue which i have never heard of nor had an account with. trying to phone lowell to sort this out just ends up in a run around of back and forth questions until the next letter arrives.

also i have contacted the studio company and gave them the "original account number" which was on my lowell letter and they told me that number doesn't come up as one of there accounts and they wouldn't use that format for there account numbers.

i'm only writing this now as i had a letter came today stating they were going to perform legal assessment

any advice or questions greatly appreciated

[Snoopy1948]

Re: Lowell financial

One thing I am a strong believer in is challenging such contact where you feel it is in total error. Have you researched a recent credit check with say Experian or Equifax? I wonder if that debt would show up or at least jog your memory as to something else. I have met so many people in the past where we have had this very discussion where memories of debts have simply faded with time. I wonder why Lowell Financial are so ill equipped to answer a simple question about where the original debt arose from?
I would not think that they would take this case forward for 'legal assessment' for £170.14 and that sounds like sabre rattling. Your only course of action is to recontact Lowell and sweet talk them into giving you more specifics about the debt origin, after all that is their job if they expect payment, and they do appear to have your name and correct address.

[charitynjw]

Re: Lowell financial

hi guys

so as the title says im having abit of a frustrating time with lowell financial. they have sent me numerous letters/texts and phone calls about owing £170.14 exactly

the problem is the original company that debt is from is called studio, with some research i can only assume this is the studio catalogue which i have never heard of nor had an account with. trying to phone lowell to sort this out just ends up in a run around of back and forth questions until the next letter arrives.

also i have contacted the studio company and gave them the "original account number" which was on my lowell letter and they told me that number doesn't come up as one of there accounts and they wouldn't use that format for there account numbers.

i'm only writing this now as i had a letter came today stating they were going to perform legal assessment

any advice or questions greatly appreciated

IMHO

What the Dickens is a 'legal assessment'? - these bozos make it up as they go along!

If it were me, I'd take it as a veiled 'letter before action', & would write to them saying so, & I would CPR 18 them for all the documents/evidence of the alleged debt.

Or you could just file it & await their next move, if any. (They might just go away, but from what I've read, some 90% of this type of alleged debt is successfully recovered by the debt owner, either via the threat of court action or by the debt owner initiating a claim via County Court (CCBC Northampton), to scare people into paying, or getting a default judgment).