Contacted by lowell - following a letter from BC solicitors

[strong123]

Good morning all,

After getting some great advice from you all - which is very much appreciated, I now need a little more.

As some of you may already be aware from my previous post, some time ago I received a letter from BC solicitors (sent to my aunts house as I was staying there for a short period) advising me that following some checks they believed that I resided at said address and could I contact them to confirm...blah, blah, data protection, blah, blah.

As there was no details of any said debt etc following the advice of you extremely helpful people, I ignored the letter awaited further correspondence. I have not received another letter from them, YET, however, yesterday I received a call from my aunt letting me know I had received a letter, at which point I asked her to open etc.

So the letter is from Lowell re: Cap1 account for the sum of £556 which I know is SB as I haven't acknowledged, made any payment to since pre 2004. I know that this debt has been with several dca's as I had already sent letters stating this debt was SB and now I'm being chased for it again.

My question is, do I send a SB letter from the off or do I have to go through the 3 letter process?

Also, I understand that once I open this door, it will be like opening the floodgates...to my knowledge Lowell has all of my old debts, one of which concerns me greatly as I am unsure of the status of it. It is for £10k and I believe this may be what BC contacted me about. So you can understand my concern.

I no longer live at my aunts, but I don't want these letters to continue going to her address. So would like to advise them of my current address (easily done with letter)

Your help would be greatly appreciated.

Many thanks

[Angry Cat]

Re: Contacted by lowell - following a letter from BC solicitors

No, You shouldn't contact them!
That is what they want, as clearly they are on a phishing trip.
You'd think the numbskulls would check the electoral roll prior to bombarding another individuals address!?

I, personally have had a stream of letters from Lowell and their trading name firms (all in the same office of course). These letters have been are addressed to an individual who is not in residence within my home and is NOT on the electoral roll;
I keep sending the letters back but they keep coming...

This is the Lowell Group strategy.

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

No, You shouldn't contact them!
That is what they want, as clearly they are on a phishing trip.
You'd think the numbskulls would check the electoral roll prior to bombarding another individuals address!?

I, personally have had a stream of letters from Lowell and their trading name firms (all in the same office of course). These letters have been are addressed to an individual who is not in residence within my home and is NOT on the electoral roll;
I keep sending the letters back but they keep coming...

This is the Lowell Group strategy.

Thank you Angry Cat.

After checking my credit report, I noticed they had done a total of 33 searches on me from Jan - July. I received nothing from them or Bryan C during the time I was living there (between May - August) and I moved out mid August....a letter from BC requesting confirmation of address was sent to my aunts end of August, beginning of September, and nothing up until now, which is from Lowell. And I am on the elec roll at my current address.

I have to say I find this all very stressful, especially as its Lowlife 1

I just don't want anyone turning up at my aunts house, as I said she is old....do you suggest return to sender at this point?

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

Sorry can I also ask - at this stage can they just send collection officers to my aunts house - do they need to inform etc.

Sorry to be a pain, I just want to make sure I am doing the right thing without bringing trouble to my aunts door.

Thank you so much

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

So the letter is from Lowell re: Cap1 account for the sum of £556 which I know is SB as I haven't acknowledged, made any payment to since pre 2004. I know that this debt has been with several dca's as I had already sent letters stating this debt was SB and now I'm being chased for it again.

My question is, do I send a SB letter from the off or do I have to go through the 3 letter process?

What do you mean by 3 letter process? :noidea: If the debt is SBd, then you'd just have to send the SBd letter. Have you, by any chance, been reading getoutofdebtfree or a similar FMOTL type site? :confused2:

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

Sorry can I also ask - at this stage can they just send collection officers to my aunts house - do they need to inform etc.

Sorry to be a pain, I just want to make sure I am doing the right thing without bringing trouble to my aunts door.

Thank you so much

They can send them but they have no more right to be there than your aunt's neighbour's cat!

Having said that, is there any reason why they are still contacting you at your aunt's address?

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

What do you mean by 3 letter process? :noidea: If the debt is SBd, then you'd just have to send the SBd letter. Have you, by any chance, been reading getoutofdebtfree or a similar FMOTL type site? :confused2:

Mmm, yea briefly....it was recommended to me by my brother, who is one of these "I'm not part of the system" and "I don't live by statute law, only the law of the land" people. So I had a brief look but couldn't make head nor tail of it. And personally I'm not sure about it, which concerns me for my brother.
So can I ask, (and not that I value anyone's opinion less who as been kind enough to advise) but always feel it's good to get others views, would you advise to ignore at present or send sb letter...which will then of course open the door for them to hound me for other debts etc
Many thanks for your advice.

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

They can send them but they have no more right to be there than your aunt's neighbour's cat!

Having said that, is there any reason why they are still contacting you at your aunt's address?

I believe it's because the last search they done in June, I was living there, but I moved out in mid august and received a letter from bc end of august, then nothing until yesterday from lowell.
I really don't want them pounding down my aunts door, she is old and not in the best of health.
Thanks again for your help.

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

Mmm, yea briefly....it was recommended to me by my brother, who is one of these "I'm not part of the system" and "I don't live by statute law, only the law of the land" people. So I had a brief look but couldn't make head nor tail of it. And personally I'm not sure about it, which concerns me for my brother.

You are right to be concerned, there's been people on here and on other sites who have not been able to put forward a defence in court because they had been following the advice given on those sites and sent template letters they didn't understand themselves, let alone being able to explain the reasoning behind them to a judge.

So can I ask, (and not that I value anyone's opinion less who as been kind enough to advise) but always feel it's good to get others views, would you advise to ignore at present or send sb letter...which will then of course open the door for them to hound me for other debts etc
Many thanks for your advice.

I can't tell you what to do, it's a balancing act. If the debt in question is SBd, they couldn't get a CCJ even if they issued court papers - they can still issue a claim but you would defend it and SBd is an absolute defence, so you haven't got a lot to worry about on that front even if you ignore them, as long as you can keep an eye on the post in case they do issue one (it's happened before). On the other hand, if you are really concerned about them contacting your aunt, you'll have to come clean and tell them you no longer live there, at the risk of opening a can of worms.

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

I believe it's because the last search they done in June, I was living there, but I moved out in mid august and received a letter from bc end of august, then nothing until yesterday from lowell.
I really don't want them pounding down my aunts door, she is old and not in the best of health.
Thanks again for your help.

See my post above, it's up to you to decide, bearing in mind those doorstep visits are largely empty threats, it's a lot cheaper for them to send letters threatening visits than to actually send collection agents to knock on people's doors, however, on the odd occasion, they do send them, only not very often.

[Angry Cat]

Re: Contacted by lowell - following a letter from BC solicitors

Personally speaking, I would send back: Return to Sender (RTS); Not Resident at this Address!

Lowell, should not be contacting you at your Aunts house;
even more reason for them not to is that she would be deemed vulnerable!

The choice is yours but unless you want them on your back, it is not a good idea to alert them to the fact that they can contact you via your Aunt!

You do not live there, so why respond to them!?

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

You are right to be concerned, there's been people on here and on other sites who have not been able to put forward a defence in court because they had been following the advice given on those sites and sent template letters they didn't understand themselves, let alone being able to explain the reasoning behind them to a judge.

Yes, I agree, and believe me, my brother is not one who is able to explain how to use a carrier bag, let alone some of these "laws of the land" when I challenge him he quotes a website for me to read or tells me to watch a post on utube by someone or other... hardly going to work on a judge!

I told him to come here where he could get some solid advice, his answer, "I looked at it, but I doubt follow statute law" when I say lives his life by it, I mean his whole life... he doesn't have a surname, he is "the clan of" he destroyed his birth certificate, he's never signed on even when he hasn't worked, he refuses to pay tv licence and has a sign displayed on his window to his home refusing access and entry (worded in legal terms)
Now my brother has no loans, overdrafts, credit cards or any debt, however he also refuses to pay council tax. I've explained to him that he could go to prison, that he's trying to fight the government, but he will not be told! I find it utterly scary, he believes that people have to make a stand. Have you ever looked into some of this stuff.. it's crazy. Granted I've seen things on utube where families have stopped evictions through this, and various other things but you never see the end result.....besides I don't wanna live my life having to fight everyday. I already suffer anxiety.
I can't tell you what to do, it's a balancing act. If the debt in question is SBd, they couldn't get a CCJ even if they issued court papers - they can still issue a claim but you would defend it and SBd is an absolute defence, so you haven't got a lot to worry about on that front even if you ignore them, as long as you can keep an eye on the post in case they do issue one (it's happened before). On the other hand, if you are really concerned about them contacting your aunt, you'll have to come clean and tell them you no longer live there, at the risk of opening a can of worms.

Thanks so much for your advice, the debt is definitely Sb, I have no doubt about that. I will pick up letter from aunt on Saturday and speak to her. Tbh she never answers her door anyway and it's intercom so she'd tell em I don't live there.
Thanks so much again.

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

Personally speaking, I would send back: Return to Sender (RTS); Not Resident at this Address!

Lowell, should not be contacting you at your Aunts house;
even more reason for them not to is that she would be deemed vulnerable!

The choice is yours but unless you want them on your back, it is not a good idea to alert them to the fact that they can contact you via your Aunt!

You do not live there, so why respond to them!?

Thank you, I have to agree.

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

Personally speaking, I would send back: Return to Sender (RTS); Not Resident at this Address!

Lowell, should not be contacting you at your Aunts house;
even more reason for them not to is that she would be deemed vulnerable!

The choice is yours but unless you want them on your back, it is not a good idea to alert them to the fact that they can contact you via your Aunt!

You do not live there, so why respond to them!?

Thank you, I have to agree.

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

Thanks so much for your advice, the debt is definitely Sb, I have no doubt about that. I will pick up letter from aunt on Saturday and speak to her. Tbh she never answers her door anyway and it's intercom so she'd tell em I don't live there.
Thanks so much again.

Flaming parrot, I don't know how it happened but I managed to put a whole statement/ paragraph on my bros situation in your quote??

Does make for an interesting read though! :tinysmile_grin_t: