Lowell Debt Collector Letters Misleading!

[Don Quixote]

Re: Lowell Debt Collector Letters Misleading!

Now Called the " Pre Legal Assessment Department" next desk to the dodgy discount and duff debt departments.

nem

That’s still a very misleading letter, isn’t it? Says nothing about succeeding with a claim before enforcement. Stinks.

[Don Quixote]

Re: Lowell Debt Collector Letters Misleading!

The contract was in my name, paid off by the company bank account.

Was it paid by DD, set up in the name of the company? Did you access it online as a business customer, for example? I’ve been with Orange since 1996 and it’s always been via the business side.

If you simply claimed it as expenses then, sadly, if it was opened in your name as an individual, you’re stuck with it.

[OliverJames]

Re: Lowell Debt Collector Letters Misleading!

Was it paid by DD, set up in the name of the company? Did you access it online as a business customer, for example? I’ve been with Orange since 1996 and it’s always been via the business side.

If you simply claimed it as expenses then, sadly, if it was opened in your name as an individual, you’re stuck with it.

I'm stuck with it

[nemesis45]

Re: Lowell Debt Collector Letters Misleading!

The letter is a bit small to read on my laptop but looking a some Lowell threatograms there is just above the Attachment threat a bit about applying to the County Court for a judgement and if successful we may...................

I guess that gets the past the alleged misleading statement.
Some years ago the OFT and the CSA issued guidance on " debt collection letters" and many were rewritten this one has been the same for years.

nem

[Don Quixote]

Re: Lowell Debt Collector Letters Misleading!

The letter is a bit small to read on my laptop but looking a some Lowell threatograms there is just above the Attachment threat a bit about applying to the County Court for a judgement and if successful we may...................

I guess that gets the past the alleged misleading statement.
Some years ago the OFT and the CSA issued guidance on " debt collection letters" and many were rewritten this one has been the same for years.

nem

Yeah, the Hamptons letter is from only five months ago but mentions nothing about first succeeding with the claim. Definitely worth a complaint if you get one of those.

As you can’t see it, nem, I’ll transcribe. The Hamptons letter says:

“As you are a homeowner, it is very likely we will apply to the County Court for a Judgment against you ordering you to repay the outstanding balance. If you still do not pay, we will consider the following enforcement action:

etc”

So no mention of actually succeeding with the claim, or stating that it can be defended. The implication is that it will be granted on application, and enforcement action will follow. Totally misrepresents the true legal position.

[nemesis45]

Re: Lowell Debt Collector Letters Misleading!

Thank you!

nem

[nemesis45]

Re: Lowell Debt Collector Letters Misleading!

Thanks for that.

Nem