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Hello.
I am in contact with our friends from Lowells ref an alleged mobile phone debt. I was bombarded with letters stating that they had bought the debt and that I owed more than £450. I did have a 3 mobile account, it was terminated quite properly in March 2014. Payments, were made by direct debit and there was no outstanding airtime balance or early termination fee.
I finally got tired of Lowell, so sent them a templated 'prove It'. They responded that collection activity on my Panther account had been suspended. Panther is an EE/Orange tariff. I have never had an. EE/Orange contract
Today I received the attached letter. The alleged proof, my FINAL BILL is for £76.08 twice my monthly payment. I guess that as a final bill, the last 2 months are charged as such accounts are billed in arrears. No issues with that.
On the FAQ sheet, rear of the letter it states "The original creditor has only been able to provide the enclosed statements"
I have never received notification from either 3 or Lovells regarding assignment of the alleged debt. I paid the last bill a few days late as I was working abroad, but that was never challenged. It should have gone through by direct debit, but I had changed my account details after changing jobs. I notified 3 of this and they replied that the final bill could be paid via Giro Credit. They even sent me a slip.
Now I can play games with Lowells but I don't want a sneaky CCJ. Can anyone tell me how they can A) Claim I owe better than £450 on a £76 bill? B) If by sending this copy of a bill, it can be considered that they have provided proof. C) Do I send a second 'prove it'. Many thanks
I am in contact with our friends from Lowells ref an alleged mobile phone debt. I was bombarded with letters stating that they had bought the debt and that I owed more than £450. I did have a 3 mobile account, it was terminated quite properly in March 2014. Payments, were made by direct debit and there was no outstanding airtime balance or early termination fee.
I finally got tired of Lowell, so sent them a templated 'prove It'. They responded that collection activity on my Panther account had been suspended. Panther is an EE/Orange tariff. I have never had an. EE/Orange contract
Today I received the attached letter. The alleged proof, my FINAL BILL is for £76.08 twice my monthly payment. I guess that as a final bill, the last 2 months are charged as such accounts are billed in arrears. No issues with that.
On the FAQ sheet, rear of the letter it states "The original creditor has only been able to provide the enclosed statements"
I have never received notification from either 3 or Lovells regarding assignment of the alleged debt. I paid the last bill a few days late as I was working abroad, but that was never challenged. It should have gone through by direct debit, but I had changed my account details after changing jobs. I notified 3 of this and they replied that the final bill could be paid via Giro Credit. They even sent me a slip.
Now I can play games with Lowells but I don't want a sneaky CCJ. Can anyone tell me how they can A) Claim I owe better than £450 on a £76 bill? B) If by sending this copy of a bill, it can be considered that they have provided proof. C) Do I send a second 'prove it'. Many thanks
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