HELP what do we do now?

[milliesk0]

Lowell sent a letter to say they had bought a debt in November 2008 (hubby's). He said he had never written to them or paid anything so we sent the statute barred letter. However they have now replied with this....what do we do now please?

[Kati]

Re: HELP what do we do now?

Did you pay anything on those dates?
Payments were (according to the letter) made through "Philips Homecoll" - and a quick search shows that they were a Doorstep Collection service launched in 2008 by Phillips Collection Service Ltd (debt collectors).

You could check your bank records to see if any payments were made?

[FlamingParrot]

Re: HELP what do we do now?

Lowell sent a letter to say they had bought a debt in November 2008 (hubby's). He said he had never written to them or paid anything so we sent the statute barred letter. However they have now replied with this....what do we do now please?

Do you or your hubby remember paying a doorstep collector? Lowell often make up phantom payments but they tend to be just £1 or £10 and just one or two - one £1 payment is enough to reset the clock so there wouldn't be a need to make up that many. :noidea:

It may not have been Lowell they were collecting on behalf of at the time, maybe another DCA.

Did you pay anything on those dates?
Payments were (according to the letter) made through "Philips Homecoll" - and a quick search shows that they were a Doorstep Collection service launched in 2008 by Phillips Collection Service Ltd (debt collectors).

You could check your bank records to see if any payments were made?

If the payments were made to a doorstep collector, they may have been cash payments rather than cheques, and the amounts are small enough to have been paid cash.

A SAR would be required to obtain bank statements from 2010.

[milliesk0]

Re: HELP what do we do now?

Do you or your hubby remember paying a doorstep collector? Lowell often make up phantom payments but they tend to be just £1 or £10 and just one or two - one £1 payment is enough to reset the clock so there wouldn't be a need to make up that many. :noidea:

It may not have been Lowell they were collecting on behalf of at the time, maybe another DCA.

If the payments were made to a doorstep collector, they may have been cash payments rather than cheques, and the amounts are small enough to have been paid cash.

A SAR would be required to obtain bank statements from 2010.

Thanks for your replies - her says he doesn't remember and I certainly haven't paid anybody anything....do we ask them to prove it - or how can we go forward? It looks a bit fishy that there are 2 payments on the same day as well.....

[milliesk0]

Re: HELP what do we do now?

hubby just got in from work and says he definitely hasn't paid any doorstep collector any money......or anybody else!

[dan_1207]

Re: HELP what do we do now?

hubby just got in from work and says he definitely hasn't paid any doorstep collector any money......or anybody else!

If that's the case, then I would be inclined to reply and re-affirm what has already been said - no payments have been made, and ask them to provide further information in connection with the alleged payments.