Problems with lowell portfolio debt collectors

[daniellebremner]

Hi
I am new here so apologies if anything is incorrect. I checked my credit file as i got turned down for a mobile phone contract switch over from my partners account. I checked with Equifax and my score was 264 very poor. It was very poor on the basis of 1 debt, everything else is good. The debt in question is a credit card from Lowell Portfolio? Never heard of these people and the balance is for £404.00 and i have no clue what this is for. Would appreciate some advice on what to do? The apparent start date was 05/03/2012 and default date 31/12/2012.
Thanks in advance
Dani

[fraggle77]

Re: Problems with lowell portfolio debt collectors

Dunno if you have had a reply to this?

Lowlifes AKA Lowells pay pennies for old debts which include various bank debts (accounts/ credit cards) & mobile phone debts....sure they buy others IE high interest loans.

• Firstly - write to them (its a Leeds address) Enterprise House, 1 Apex View, Leeds, West Yorkshire LS11 9BH
  

Ask them for a copy for your records using a SAR (subject access request) they are required to give you this by law. You can use this letter below (change as required)

• Secondly DO NOT SIGN IT WITH YOUR OWN SIGNATURE USE A FONT FROM WORD (they have been known to copy & paste to credit agreements)
• Then when you find out what the debt is you can then approach them and request for them to remove it, be prepared for a fight. If they protest, you need to them ask them to prove its you (signed copies of contracts)....
• Alternatively you can approach the creditors & get them to remove it for you.
• Or once you have the info you can write to the credit reference agencies and request they remove this if it transpires that it is not you IE name spelt wrong, wrong DOB, address you've never lived at - basically it has been added in error

Never speak to the Debt collectors over phone, as they won't speak to you without collating info IE address & DOB. Only communicate with any DCA via letter.....

John Doe
1 our gate
London,
LN1 2BY
06/11/2013

DCA ADDRESS

Dear Sir or Madam

Subject access request

Re: A SMITH (DOB) of 1 our gate long street– All information held in relation to any accounts,

Please supply the information about me I am entitled to under the Data Protection Act 1998 relating to:

• My personnel file
• Copies of all statements (between) held in account number).

If you need any more information from me, or a fee, please let me know as soon as possible.

It may be helpful for you to know that a request for information under the Data Protection Act 1998 should be responded to within 40 days.

If you do not normally deal with these requests, please pass this letter to your Data Protection Officer. If you need advice on dealing with this request, the Information Commissioner’s Office can assist you and can be contacted on 0303 123 1113 or at www.ico.gov.uk

Yours faithfully

[fraggle77]

Re: Problems with lowell portfolio debt collectors

Ps do not admit or acknowledge this is your debt.... Put this at the top of the letter!

[wales01man]

Re: Problems with lowell portfolio debt collectors

£10 fee?

[Celestine]

Re: Problems with lowell portfolio debt collectors

For a credit card type debt, a s.78 Consumer Credit Act 1974 request is far more effective.

If they can't comply, the debt cannot be enforced.