Hi foxxy. Did you get a response from Lowells advising you how they came to that figure, or did they send you a copy of the original Credit agreement ? if they have not, i would send a letter quite clearly stating you want to see the CCA -they have a time limit to provide you with it. I think the cost is £1 (enclose a £1 postal order). ...

Hi foxxy1. Well, I would certainly write to them, explaining that you cannot remember the debt, and that you would like to see a copy of the original credit agreement and how they have arrived at the figure they claim you owe. Until then, cease payments. I got a letter from them a couple of weeks ago, in which they apologised and confirmed my case ...

Hi Pammy1972. Yes, I would certainly write to ECI asking them to forward you a copy of the original Consumer Credit Agreement (not the original application for credit, as some of them send). It is important to know exactly what they are saying you owe.They should forward you that within 12 working days, and until they do,it is common practice for ...

Hi JH07. To be honest, I think i would have done the same in your position. You knew the debt existed, and considering that Lowells actively pursue debts they know they cannot recover, I suspect they would have really come after you. It is still worth questioning the exact amount owing, and they are obliged to provide you with this information. ...

Hi MissMarianna. They may continue to send you letters, or even try to telephone you. NEVER speak to them on the phone. If the letters continue, write them a short note saying in no way do you acknowledge the debt, and if it ever existed it is now statute barred (as long as its been over 6 years).Best to post it Recorded delivery. This should be ...

Hi DulsieMae, good luck with your case. If Lowells continue to harrass you, write to your local council Trading Standards office. Lowell are being closely monitored by West Yorkshire TS, who very quickly respond to complaints from other councils. They will take up your complaint, and have an advsior who is in regular contact with this company ...

Hi Pnx696. If a debt becomes statute barred, i.e. you have not acknoledged the debt in any way (by letter or payment) within the last 6 years, it is no longer legally recoverable. Lowell Portfolio bulk buy these debts for pennies, in the hope a certain percentage will pay up. The debt remains statute barred, and if you send them a letter disputing ...

No, you'll be fine Philco. They haven't got a leg to stand on and they know it. A strongly worded letter to them, disputing the debt and advising if it ever existed it is now statute barred should really be enough. If they persist, get on to Trading Standards at your local council and let them take up the case. Keep a record of all ...

Hi everyone, just an update. Received 2 letters this morning - one from Lowells, advising my comments had been noted and they are investigating the matter. The second - from my local council Trading Standards department (I copied them in on what was happening). The letter advises me that my council has been in touch with West Yorkshire Trading ...

Its best to ring these specialist landlord insurance companies direct Shahji to make sure you have exactly the right policy. And as BB stated, you really must inform your mortgage lender that you are no longer living at the property, but have in fact rented it out :-)