new lowell Fred BC letter

[brockquietman]

Hi all more woe

Ok so recieved a letter from Freds saying contact within 14days

Then receieved letter from BC saying 14 days

Thought about just sending the SB letter as all the debts are well past their sell by date I have all the default notices from the original creditors and they are 2005 lowell did place one on my credit file in aerly 2007 and even then 6 months later for the same account on the same CRF I have a printout of it , they all dont even appear on my credit file!!!



but low and behold I ring lowell and all of a sudden theres been a payment via postal order from me in 2010 ,not a chance of this having happened at all as I wasn't stupid or even around to do this
they then say someone else has paid this on my behalf, which is complete tosh ,there is no one else a sister mother brother or father to do this on my behalf. How does one prove this i couldn't have even obtained a Postal order

so expecting clown carter to try and get a CCJ by default as they have my details i have told them in the past i dispute all of them wont be paying any of it it and always have done Now surely if i had made a payment in 2010 that would be on my CRF as well as the lowell account no that dissapeared off in 2013?

After informing them they are now saying its fraud on my part? I point out they are well known for their fictitious payments which they deny .......? the proofs out there really on the internet

HOW DO I DEAL WITH THESE CRETINS i really am fired up to spend money proving fraud on their part and taking someone down

[FlamingParrot]

Re: new lowell Fred BC letter

Ok so recieved a letter from Freds saying contact within 14days

Then receieved letter from BC saying 14 days

What does the letter say? Because if it's a LBA, you need to draft an appropriate response. Could you scan or take a picture of it, remove your personal details and post it up here? :typing:

Thought about just sending the SB letter as all the debts are well past their sell by date I have all the default notices from the original creditors and they are 2005 lowell did place one on my credit file in aerly 2007 and even then 6 months later for the same account on the same CRF I have a printout of it , they all dont even appear on my credit file!!!

Some people do make payments after defaulting, DNs and credit files are not proof of SBd status. Having said that, it's not up to you to prove SBd status, it's up to them to prove otherwise.

but low and behold I ring lowell and all of a sudden theres been a payment via postal order from me in 2010 ,not a chance of this having happened at all as I wasn't stupid or even around to do this
they then say someone else has paid this on my behalf, which is complete tosh ,there is no one else a sister mother brother or father to do this on my behalf. How does one prove this i couldn't have even obtained a Postal order

There's been others on here who have been told the same thing, there is no end to the tricks Lowell get up to! :mad2: :mad2: :mad2:

Don't ring them and don't speak to them over the phone, keep it all in writing.

so expecting clown carter to try and get a CCJ by default as they have my details i have told them in the past i dispute all of them wont be paying any of it it and always have done Now surely if i had made a payment in 2010 that would be on my CRF as well as the lowell account no that dissapeared off in 2013?

After informing them they are now saying its fraud on my part? I point out they are well known for their fictitious payments which they deny .......? the proofs out there really on the internet

FRAUD? :scared: :scared: :scared: WHAT exactly are they saying is fraud?

I can see a huge pot calling a kettle black!

[brockquietman]

Re: new lowell Fred BC letter

What does the letter say? Because if it's a LBA, you need to draft an appropriate response. Could you scan or take a picture of it, remove your personal details and post it up here? :typing:

Some people do make payments after defaulting, DNs and credit files are not proof of SBd status. Having said that, it's not up to you to prove SBd status, it's up to them to prove otherwise.

There's been others on here who have been told the same thing, there is no end to the tricks Lowell get up to! :mad2: :mad2: :mad2:

Don't ring them and don't speak to them over the phone, keep it all in writing.

FRAUD? :scared: :scared: :scared: WHAT exactly are they saying is fraud?

I can see a huge pot calling a kettle black!

Hi flaming Parrot

Its the same as all the others on here the letter before action is from Freds The Bryan carter we will recommend letter is from BC there just the standard ones ,though i will scan them when im home

I have no doubt I never made any payment as I simply did not have any funds in the UK I was in spain I had a spanish account and no funds were coming into the UK and boy can i prove it

they are saying Im trying to defraud them out of money , i pointed out and said it was them that were trying to defraud me by saying I had made payments I had not and asked if they thought i was mug enough to restart an already statute barred clock ,I also asked for proof and there is none ,nothing they can come up with except this fictional PO

I might just draught a letter saying they owe me 5k AND SEND EM A LETTER SAYING PAY UP they have said they will recall it from Freds pass it on to their internal fraud department LOL , they dont have a leg I'm sure,but now i have told them I was not resident they will find a date when I was and make something else up, question is who does one believe surely i would sign a postal order other wise they have no idea or legitimate who it would come from.

I just want so badly to get them for lying i can stand anything but that surely it becomes a criminal act deception

[USB125]

Re: new lowell Fred BC letter

This same thing happened to me aswel, i got a letter from lowells saying a payement was made on a catalogue acount they are charging me for.

Something should be taking out a civil action against Lowells for fraud..

[Amethyst]

Re: new lowell Fred BC letter

Have they said how much the PO payment is for? (ie is it a £1 sent for a CCA request or £10 for DPA request - poss when reclaiming PPI or charges? or looking into the account previously)

[brockquietman]

Re: new lowell Fred BC letter

Have they said how much the PO payment is for? (ie is it a £1 sent for a CCA request or £10 for DPA request - poss when reclaiming PPI or charges? or looking into the account previously)

Hi amethyst they are saying it's 10 quid but I know I never sent anything I have never even corresponded with them except to say go away never had a need to I have never asked for a SAR CCA, nothing happy to just watch the CRA. And know eventually it would be SB

They are pulling a fast one I know that but how do I prove no payment was ever made

[Amethyst]

Re: new lowell Fred BC letter

Hi amethyst they are saying it's 10 quid but I know I never sent anything I have never even corresponded with them except to say go away never had a need to I have never asked for a SAR CCA, nothing happy to just watch the CRA. And know eventually it would be SB

They are pulling a fast one I know that but how do I prove no payment was ever made

They have to prove the payment was made, if you didn't make a payment then you will just say you didn't and why you didn't (and that you wouldnt have done by postal order, were away at the time, and they should show you a copy of said postal order etc) Trouble with postal orders (and it is their problem, your statement of truth will be plenty) is there's not any identifying the payer on them. I don't know if any record is kept of PO numbers and who bought them at all. I know the purchase keeps the counterfoil but that's about it for identification. Ahhhh the postal order number should define the issuing office of the PO, and have a Post office stamp on naming the post office it was purchased from, so that might be of help if they can produce a copy. (and they can as the bank will have it stored in boxes in the basement with all the cheque original copies or on microfiche (or whatever the modern equivalent is) so that will be absolute proof it wasn't from you)

You didn't have any dealings with any claims management company at all around that time who might have send DSAR's off for you? There wasn't a joint account holder or anyone who could have sent it for you?

Just making sure all possibilities are covered.

[Amethyst]

Re: new lowell Fred BC letter

Oh also, they won't get a CCJ by default because if you do receive a court claim you will defend it xx

After informing them they are now saying its fraud on my part? I point out they are well known for their fictitious payments which they deny .......? the proofs out there really on the internet

Have they said that in writing or the phone btw?

[ODC]

Re: new lowell Fred BC letter

Lowells mad up and imaginary payment that I was supposed to have made. There were several glowing errors with their claim

1, I was out of the country at the time - Passport stamped

2, It was allegedly made in a bank hundreds of miles from where I live

3, I made it on a Sunday in the said Bank

[USB125]

Re: new lowell Fred BC letter

Sorry to keep butting in but i am following this case as it shares similar situations to mine, i too was away and living in a different locaion - new life etc, and had no dealings with said company lows are chasing me over, at the time a payement was made to them.

Lowells need taking to court over these cases and have the tide turned against them.

[ODC]

Re: new lowell Fred BC letter

I remember reading that sometimes when Creditors sold on debts they made a token payment to extend the shelf life and help the sale of the debt portfolio. Of course most people do not know about Statute Barred and this was never contested in courts.

The important thing to remember is the the burden of proof rests with the DCA. They must prove
The payment was actually made and YOU made the payment

[brockquietman]

Re: new lowell Fred BC letter

Hi All

Amethyst no claims management companies no nothing i in effect i got ill even though i was insured on all the cards up to the eyeballs but not one company paid a single claim for ill health or loss of employment ,so in 2005 i did some reading and knew from the off i was desputing the debts and basically told them where to get off seroiuosly i just said eff off quite literally

never heard anything till the letters from red, hamptons, freds, Mack hall they really are all there maybe 60 in total from lowell alone bleating their interpretation of what laws im breaking...yawns thats not including the ones filed in some landfill somewhere

i have letters from every single DCA for the cap one until one day lowell, bless them sent me an itemised statement never had an NOA nothing just have the original default notices from 2005 lowell then placed a default for the same in 2007 march then october 2007 on the same account it showed on my CRF ,unperterbed really as they were getting sod all I thought just wait till its all SB

In 2011 it all dissapeared from all my CRF files and these have been clean since

Now as lowell were reporting on MY CRF the 10 quid alleged payment would show ?? which it did not so they are making it up completely, I would be interested if anyone else wants to jump in on this because i am going to report them and also send any body of evidence that they try this to the fraud office as it really is trying to gain an advantage by deception ,if anyone else has had them try this underhand route then please jump in on this thread USB125 your welcome to chime in

The fraud thing was all spoken word sorry dont have it in writing

[FlamingParrot]

Re: new lowell Fred BC letter

I don't know if any record is kept of PO numbers and who bought them at all. I know the purchase keeps the counterfoil but that's about it for identification. Ahhhh the postal order number should define the issuing office of the PO, and have a Post office stamp on naming the post office it was purchased from, so that might be of help if they can produce a copy. (and they can as the bank will have it stored in boxes in the basement with all the cheque original copies or on microfiche (or whatever the modern equivalent is) so that will be absolute proof it wasn't from you)

There can't be a record of who bought POs simply because they don't ask for any details when you buy one. I've bought quite a few for SARs, CCA requests, etc. and just asked for it and paid at the PO counter, no need to fill in any forms or provide any details, so there's no way to establish WHO bought a certain PO number, if there's any records, it would just be the amount and date of purchase vs the number.

[FlamingParrot]

Re: new lowell Fred BC letter

In 2011 it all dissapeared from all my CRF files and these have been clean since

Now as lowell were reporting on MY CRF the 10 quid alleged payment would show ?? which it did not so they are making it up completely, I would be interested if anyone else wants to jump in on this because i am going to report them and also send any body of evidence that they try this to the fraud office as it really is trying to gain an advantage by deception ,if anyone else has had them try this underhand route then please jump in on this thread USB125 your welcome to chime in

The fraud thing was all spoken word sorry dont have it in writing

If anyone is attempting fraud it would be them not you. As this is clearly SBd, once you have informed them of the fact, if they keep pressing you for payment, that amounts to harassment, and it's against OFT guidance and you can report them. Not that I have a lot of faith in the OFT...

Otherwise you can safely ignore them, if they were to issue a claim, you'd submit a SBd defence, putting the onus on THEM to prove you actually made that payment. I very much doubt they could, and I reckon any judge could see how you wouldn't have had any reason to make a single, one-off payment of £10, while they would have plenty of reasons to have made it up! :grin:

[brockquietman]

Re: new lowell Fred BC letter

If anyone is attempting fraud it would be them not you. As this is clearly SBd, once you have informed them of the fact, if they keep pressing you for payment, that amounts to harassment, and it's against OFT guidance and you can report them. Not that I have a lot of faith in the OFT...

Otherwise you can safely ignore them, if they were to issue a claim, you'd submit a SBd defence, putting the onus on THEM to prove you actually made that payment. I very much doubt they could, and I reckon any judge could see how you wouldn't have had any reason to make a single, one-off payment of £10, while they would have plenty of reasons to have made it up! :grin:

Ah thank you very much for this I recieved an email from them today asking me to phone them ,unfortunately i think i might have gone a step too far ms de tute in her claims that they are a good honest hard working company, at that point i was crying with laughter as i think she is either so naive and brainwashed or just so thick skinned she could reenter the earths atmosphere without burning up

honestly for a head of LEGAL compliance she sure does not understand that im not a soft target and wont be letting their admin error slide in any way i can fight it