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I received a letter from lowells saying i owed a 200 debt for car insurance taken out at my old address 3 months after i had moved out that was two years ago i got the letter a month ago i phoned them explained i knew nothing of this debt had never had a seat car i went to the police explained all to them i was given a crime number as its clear somebody in the block of flats where i had lived had taken the policy out in my name i sent the crime number to lowells thought that was the end of it.however i have received a letter back from them saying im still liable for the debt how can this be and how do i prove its not my debt they are saying my name will be put on a bad debters list
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Re: lowells chasing me for debt that isnt mine
Its not for you to prove garyjohnson. Its for Lowell to prove the debt is yours. You should write to them (not phone) and state clearly this was not your car or your policy and that you deny the debt. Send the letter recorded delivery and keep a copy.
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Re: lowells chasing me for debt that isnt mine
ok thank you i will do that:beagle:Comment
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Re: lowells chasing me for debt that isnt mine
How did they get all your details?
Did they claim a NCD in your name these are questions you need to ask Lowells should have said who the insurer wasComment
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Re: lowells chasing me for debt that isnt mine
i dont know i just got the letter saying i owed the money the policy was taken out online from my old address on 1/sept/2011i moved out on 11/june2011 and the insurance was with bgl ive never heard of them ive told lowells all this makes no difference also i dont no what a ncd is?Comment
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Re: lowells chasing me for debt that isnt mine
If the insurance was taken out in your name phone them the security questions must be name address date of birth they can then give detailsComment
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Re: lowells chasing me for debt that isnt mine
lowells have said i cannot contact the insurance company as they now own the debt they have asked me to go online and view the policy from the email address it was taken out in which i cant as the email address isnt mine but is in my name surely they can trace the fraud by who owned the car at the time certainly wasnt meComment
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Re: lowells chasing me for debt that isnt mine
You can try to contact insurance company Lowells cannot stop you the insurers may not talk to you but its only a call away.Comment
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Re: lowells chasing me for debt that isnt mine
Forgive me for butting in but go with what Celestine says ... send them a 'prove it' letter as per her instructions. Don't get involved wasting time and sanity trying to get in touch with insurers. If it really is not your debt, it REALLY is not your problem. Let Lowell's do the digging for themselves - don't make their job any easier by doing the work for them.
That's my opinion for what it's worth!Comment
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Re: lowells chasing me for debt that isnt mine
I would wonder what else was done in my name, Lowells will just send letter after letter to the OPComment
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Re: lowells chasing me for debt that isnt mine
Agreed with Cel - Send them the prove it letter and if lowells then insist to continue to chase you and continue to say you are liable when they have not proved you are, which they clearly will never be able to prove. Then you should think about suing them for harassment - I believe recent case law grants damages of £7,000, though can't recall the name of the court case off top of my head.Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (LB),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.
By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.
If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.
I AM SO GOING TO GET BANNED BY CEL FOR POSTING terrible humour POSTS.
The Governess; 6th March 2012 GRRRRRRComment
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Re: lowells chasing me for debt that isnt mine
thanks i will try the prove it letter they did say they would give a further 28 days on hold before putting this debt on my credit record which is un belivable they can do this without proofOriginally posted by teaboy2 View PostComment
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Re: lowells chasing me for debt that isnt mine
is there anyway i can find out if anything else has been taken out in my nameComment
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Re: lowells chasing me for debt that isnt mine
check your credit report, they will show any credit accounts taken out in your name. Also check see if lowell have already marked your file.Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (LB),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.
By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.
If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.
I AM SO GOING TO GET BANNED BY CEL FOR POSTING terrible humour POSTS.
The Governess; 6th March 2012 GRRRRRRComment
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Re: lowells chasing me for debt that isnt mine
i did do that about 3 mths ago it was clean however this fraud happened two years ago .why its not on there is strangeComment
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