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Morning!
Had a letter last week from Lowell Financial stating that I owed a sum of money to one of their clients.
I have no knowledge of the debt, so on 30th March I sent them a Special Delivery letter, taken from the templates on this site - The one that states that I do not acknowledge the debt and asking them to provide evidence of the debt.
They signed for and received that letter on 31st March.
This morning I received a letter dated April 5th stating:
"In previous letters sent to you it was made clear that unless an acceptable offer of repayment was made we would take appropriate steps to recover the amount owing.
As you have failed to enter into a repayment plan we must instruct an agent in your area to visit your home to discuss repayment of your account. Unless you make contact with us within the next five days our agent will contact you with a view to arrange a visit" etc, etc....
I have called Lowell and stated once the person on the phone stated the call might be recorded, that this call is in no way an acknowledgement of any debt.
I asked if they acknowledged receipt of the letter for which they signed on the 31st.
The operator said they could neither acknowledge or deny receipt of the letter due to a mailroom backlog.
I stated that as I had sent them a letter not acknowledging the debt, asking them to provide proof of the debt and reminding them of their responsibilities under the law, that their sending me a further demand for payment is harassment and that their company are in breach of the law.
Is this correct?
Are they able to continue to harass me like this without providing the evidence I have requested?
What should I do? Send them another copy of the letter I sent them last week?
The operator has offered to arrange for proof of the debt to be sent to me.
It will, I am sure, turn out to be incorrect or Statute Barred as I cannot remember anything like the client they mention or the amount.
Any help as always very gratefully received - Thanks!
Had a letter last week from Lowell Financial stating that I owed a sum of money to one of their clients.
I have no knowledge of the debt, so on 30th March I sent them a Special Delivery letter, taken from the templates on this site - The one that states that I do not acknowledge the debt and asking them to provide evidence of the debt.
They signed for and received that letter on 31st March.
This morning I received a letter dated April 5th stating:
"In previous letters sent to you it was made clear that unless an acceptable offer of repayment was made we would take appropriate steps to recover the amount owing.
As you have failed to enter into a repayment plan we must instruct an agent in your area to visit your home to discuss repayment of your account. Unless you make contact with us within the next five days our agent will contact you with a view to arrange a visit" etc, etc....
I have called Lowell and stated once the person on the phone stated the call might be recorded, that this call is in no way an acknowledgement of any debt.
I asked if they acknowledged receipt of the letter for which they signed on the 31st.
The operator said they could neither acknowledge or deny receipt of the letter due to a mailroom backlog.
I stated that as I had sent them a letter not acknowledging the debt, asking them to provide proof of the debt and reminding them of their responsibilities under the law, that their sending me a further demand for payment is harassment and that their company are in breach of the law.
Is this correct?
Are they able to continue to harass me like this without providing the evidence I have requested?
What should I do? Send them another copy of the letter I sent them last week?
The operator has offered to arrange for proof of the debt to be sent to me.
It will, I am sure, turn out to be incorrect or Statute Barred as I cannot remember anything like the client they mention or the amount.
Any help as always very gratefully received - Thanks!
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