tyre man:hi everyone i have been sucked into the lowell trap i got a letter a few months ago for a credit card i had when i received it i was shocked at the amount outstanding so i started paying back over a hundred pounds a month but because at the moment i have swapt employment i have had to stop payments since i have done this i have about 8 calls on my mobile aday and 4 calls on my home phone i think this is harrasment i know i owe money but when i have got it the will get it i have asked if my payments can be reduced by half a month if not i said i would take legal advice do you think i am doing the right thing .
Hi Tyer Man.
Sorry this is a bit of a late response. I was so tiard last night i couldn't see my pc screen LOL!!!!
Yes you are doing the right thing. Please dont get stressed because of Lowell Financial. Did you know that your credit card company didn't give the debt to them Lowell Financial buys the debt from the credit card comapny.
This is why thet are calling you so much because every payment they get from you they get there money too. hey arrased me for over a year regarding a debt that wasn't mine.
My advise is when they next phone you. Tell them if you have not already done so that you have recently changed employment & explain that you cannot affored to pay the ammount you was paying and dont ask them if it can be reduced tell them you want it reduced they cannot say no as you can pay as little as a one pound a week, I know this as my friend only pays one pound a week they cannot refuse. And if they do they cannot take any furthure action as you have made them an offer and they declined it...
This is harrament what they are doing to you they should not be calling you like this. Tell them to stop calling as it is harresment and that you have exlained your circumstancies and to leave you alone until you have sufficiant funds to give to them, And if the calls continue. I advise that you logg all your calls and go to the CAB and make a complaint they will help you... I know it sounds like a long process but it is well worth doing. I hear nothing frm Lowell now as i went to the CAB and they wrote to the company explaining.
Hope this helps
Jay