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I would be really grateful if I could get some advice please.
I received a letter three months ago from Lowell financial debt collection saying I owe 563.67 to 3 Mobile services for a contract where I apparently terminated the service early and therefore I owe a termination fee. This bill is from 2012 and I have had no contact from 3 mobile from that period till date stating I know this amount.
Also, I have no recollection of owing this money and certainly would not have ended a contract where there was a termination fee of such an amount.
I requested a copy of this bill from Lowell and they sent me a breakdown of it on 3 headed paper.
I also sent them letter 1 of the 3 letter process. They have replied to that letter stating:
>Lowell Portfolio I Ltd purchased your account from the original creditor in 3/2016
>Formal notice of this assignment was provided to you by letter dated 5/5/2016 which complies with the requirements of section 136 of the Law of Property Act 1925
>That this is not an assignment under the provisions of the Bills of Exchange Act 1882
>That we do are not acting agents for the original creditor or any other third party
Our client has no obligation to provide a signed agreement under the provision of Consumer Credit Act 1974. Should we receive any similar correspondence from your regarding this account we will not be providing a response. If you however have any questions please do not hesitate to contact us.
For the avoidance of any doubt, please note that whilst Lowell will always endeavour to comply with all regulatory requirements, we do not acknowledge or accept any of there terms conditions fee schedules and timeframes you have set out in your correspondence. ''''''
'''''''''Could you please advise where I stand and what my next step should be. I am sure I do not owe this money and would also question why it has taken them so long to chase me about it. Any help would be much appreciated...
I received a letter three months ago from Lowell financial debt collection saying I owe 563.67 to 3 Mobile services for a contract where I apparently terminated the service early and therefore I owe a termination fee. This bill is from 2012 and I have had no contact from 3 mobile from that period till date stating I know this amount.
Also, I have no recollection of owing this money and certainly would not have ended a contract where there was a termination fee of such an amount.
I requested a copy of this bill from Lowell and they sent me a breakdown of it on 3 headed paper.
I also sent them letter 1 of the 3 letter process. They have replied to that letter stating:
>Lowell Portfolio I Ltd purchased your account from the original creditor in 3/2016
>Formal notice of this assignment was provided to you by letter dated 5/5/2016 which complies with the requirements of section 136 of the Law of Property Act 1925
>That this is not an assignment under the provisions of the Bills of Exchange Act 1882
>That we do are not acting agents for the original creditor or any other third party
Our client has no obligation to provide a signed agreement under the provision of Consumer Credit Act 1974. Should we receive any similar correspondence from your regarding this account we will not be providing a response. If you however have any questions please do not hesitate to contact us.
For the avoidance of any doubt, please note that whilst Lowell will always endeavour to comply with all regulatory requirements, we do not acknowledge or accept any of there terms conditions fee schedules and timeframes you have set out in your correspondence. ''''''
'''''''''Could you please advise where I stand and what my next step should be. I am sure I do not owe this money and would also question why it has taken them so long to chase me about it. Any help would be much appreciated...
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