lowell finance

[shaybo]

hi
i had a vodafone debt that was taking to county court by lowell finance but i had adequate proof i never owed this and the case was discontinued but they still are sending me threat letters and also have other debt from previous addresses from a different area all together, which i have never lived or heard anything about till my case was discontinued,do i ignore them as i have tried to be reasonable but i am now getting sick of this nonsense,i didnt owe vodafone and the other debts from different areas i have never heard of and i have lived in my home for 20 years and never lived any where else
regards
shaybo

[des8]

Re: lowell finance

Hi and welcome.
As they continue to chase you, even after having a case discontinued, you could complain to the Financial Ombudsman.
This extract from their website:
when the consumer says they're not the person who owes the debt
If the consumer says the wrong person is being asked to pay the debt – for example, a family member – or if there has been a "mis-trace" by the debt collector, we can deal with a complaint from the person who is being asked to pay.
A "mis-trace" is where a debt collector has contacted an unconnected person about paying the debt. In the cases that we see, this is often someone with the same (or a very similar) name as the actual borrower or hirer, or someone who now lives at a previous address of the borrower or hirer.
We would ask a debt collector to provide evidence to show that they are seeking repayment from the correct person. It would not be enough to say, for example, that the person has the same name as the borrower or hirer, or even the same name and date of birth. We would look for some convincing reason to link the person to the debt.
Once we’ve considered the evidence from both sides, we will decide – on the balance of probabilities – whether we think the consumer is the person that owes the debt.
Some of the cases we see involve consumers who became aware that they were being pursued for a debt through messages the debt collector left with neighbours. We can deal with a complaint from anyone who debt collectors have requested payment from. In this situation we could deal with a complaint from the “traced” consumer who the message was for – but not usually from the neighbours who had been asked to relay the message (unless the neighbour had been asked or pressured in some way by the debt collector to repay the debt).
It can be extremely stressful to be wrongly pursued for a debt. Where we decide that a debt collector has wrongly pursued a consumer for payment of a debt they don’t owe, then we will generally award compensation to reflect any distress or inconvenience that the consumer has been caused by the debt collector's mistake. The amount of the award would be depend on the particular facts of the case.
http://www.financial-ombudsman.org.u...ng-note.html#1

[shaybo]

Re: lowell finance

Hi and welcome.
As they continue to chase you, even after having a case discontinued, you could complain to the Financial Ombudsman.
This extract from their website:
when the consumer says they're not the person who owes the debt
If the consumer says the wrong person is being asked to pay the debt – for example, a family member – or if there has been a "mis-trace" by the debt collector, we can deal with a complaint from the person who is being asked to pay.
A "mis-trace" is where a debt collector has contacted an unconnected person about paying the debt. In the cases that we see, this is often someone with the same (or a very similar) name as the actual borrower or hirer, or someone who now lives at a previous address of the borrower or hirer.
We would ask a debt collector to provide evidence to show that they are seeking repayment from the correct person. It would not be enough to say, for example, that the person has the same name as the borrower or hirer, or even the same name and date of birth. We would look for some convincing reason to link the person to the debt.
Once we’ve considered the evidence from both sides, we will decide – on the balance of probabilities – whether we think the consumer is the person that owes the debt.
Some of the cases we see involve consumers who became aware that they were being pursued for a debt through messages the debt collector left with neighbours. We can deal with a complaint from anyone who debt collectors have requested payment from. In this situation we could deal with a complaint from the “traced” consumer who the message was for – but not usually from the neighbours who had been asked to relay the message (unless the neighbour had been asked or pressured in some way by the debt collector to repay the debt).
It can be extremely stressful to be wrongly pursued for a debt. Where we decide that a debt collector has wrongly pursued a consumer for payment of a debt they don’t owe, then we will generally award compensation to reflect any distress or inconvenience that the consumer has been caused by the debt collector's mistake. The amount of the award would be depend on the particular facts of the case.
http://www.financial-ombudsman.org.u...ng-note.html#1

thanks that is a great help

[shaybo]

Re: lowell finance

thanks that is a great help

[Vodafone Company Rep]

Re: lowell finance

Hi shaybo,

Thanks for making me aware of this.

If you'd like any help from me, email me with your details via the Contact us form here and quote the code WRT135 - FAO Lee in the subject line.

Once sent, you'll receive an automated reply with a reference number. Post back with this and I’ll check I've received it.

Kind regards,

Lee

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