Letter from LOWELL debt collector---any advice appreciated.

by Pete012 Fri Mar 17, 2023 10:04 pm

Hi All,

I had a letter today from LOWELL debt collectors.
They have "bought" my debt from Studio---which, of course means that the debt is now paid and I do not owe LOWELL's anything, as I had no contract with them etc.

This it the letter I had today (there are two):

Letter from LOWELL debt collector---any advice appreciated. Mkj_0011

Letter from LOWELL debt collector---any advice appreciated. Loi_0010

Can someone tell me if I can use the three letter method to LOWELL and if there is an updated version of them?.

Advance thanks for any advice sent.

Pete

by **Mrblue2015** Sat Mar 18, 2023 6:17 am

Apologies, I am looking at your post via my phone, and the letters are blurred for some reason. How much is the alleged debt for? Please do not state the EXACT amount, just round up to the nearest £100. Why? Even stating the exact amount could lead to a troll (DCA etc trolling this site) knowing who you are.

In the meantime, make sure you check out this link (and the links within it), read it AND fully understand it:

https://goodf.forumotion.com/t5263-the-new-goodf-approach-please-read-this-first

This link includes a section about anonymising your details eg when uploading copies of letters. VERY important as per the reason above. See the PERSONAL INFORMATION and related section.

So if you haven’t ‘ticked all the boxes’ as per that section, I strongly recommend you remove your uploaded letters and instead obfuscate (mask) the relevant details in the letters prior to uploading again.

by **daveiron** Sat Mar 18, 2023 9:05 am

As per Mr Blue, pay attention to the links at the bottom of that thread
The notices do work ,but ensure you comprehend the process.As far as i
am aware no one has reported here that they have not worked for them.

Any questions just ask.

by Pete012 Sat Mar 18, 2023 11:54 am

Hi Mr Blue and daveiron,

Thank you for your replies.
I have obfuscated all personal references except the amount owing ( which is appx £200).

I have used the three letter process for many "debts" previously and been successful in them all.

I was just wondering if there were any updates to the three letter process, as it is a few years since I used them.

I can't understand why the docs seem blurred, as they were clear when I posted them.
Shall I send them again?....If so, what is the best method to send a document here?.

Kind regards,
Pete.

by **daveiron** Sat Mar 18, 2023 1:22 pm

Hi Pete012,
Its your choice of course but the old three letter process ended up with
little in the way of success, due to people just copy / paste a template.
They just accepted whatever they were sent,which were very often not
what they asked for and as a result the 'creditors' continued because it was
clear they had no knowledge.

I now use the Notice of Conditional Acceptance method ,its worked every
time for me not only for alleged debts but many other things as well.
Read the link Mr Blue posted .Then the one for 'debt purchasers' in the debt
section.
Please follow and comprehend all the links provided and all will become clear.

by Pete012 Sat Mar 18, 2023 2:33 pm

daveiron wrote:Hi Pete012,
Its your choice of course but the old three letter process ended up with
little in the way of success, due to people just copy / paste a template.
They just accepted whatever they were sent,which were very often not
what they asked for and as a result the 'creditors' continued because it was
clear they had no knowledge.

I now use the Notice of Conditional Acceptance method ,its worked every
time for me not only for alleged debts but many other things as well.
Read the link Mr Blue posted .Then the one for 'debt purchasers' in the debt
section.
Please follow and comprehend all the links provided and all will become clear.

Thanks, Daveiron.

Will do.

by **Mrblue2015** Sat Mar 18, 2023 4:58 pm

The link I provided is the new process with the new notices (NoCA) that DI created.

Although to be fair, you need to decide is it worth having a bad credit rating for 5/6 years just for a £200 sum…?

I wrote off approx £20,000 (severals loans) . So it was worthwhile having a poor credit rating for 5/6 years.

by Pete012 Sat Mar 18, 2023 7:32 pm

I have had a bad credit rating for far longer than that. ..and I have written off thousands also.
Yet I still am able to get credit with little trouble.
I do intend to keep those that I have just in case I need them.

I have PayPal next----I am waiting for their default letters to arrive any time soon.

by **Mrblue2015** Sun Mar 19, 2023 6:27 am

And as per the process, hold on to documents such as the default notice for many years to come (to cover the statute barred period and ideally long after).

by Pete012 Tue Mar 21, 2023 12:56 am

Hi Mr Blue and Daveiron,

Just wanted to ask you if the letter below, which I sent (in 2017) on behalf of someone else to LOWELL would have any impact now, in 2023?.

I am just asking out of curiosity, as I have read your previous replies to my post and have read the content of the links you provided for me.

Kind regards,

Pete.

NON-NEGOTIABLE

of the family:

c/o United Kingdom

Mr C.White
Lowell Financial Ltd,
PO Box 1411
Northampton
NN2 1BQ

14th Sept 2017 Re- Ref No: *********

Dear Interloper

Thank you for your recent contact dated: 4th Sept 2017

I do not have a contract with you and I do not know you.
I was not in debt and I did not give you permission to buy this account.
Any contract has to be a meeting of minds and agreed by BOTH parties.

I feel this matter is serious and wish to deal with it in writing. I do not give you permission to contact me by telephone. I will be logging the dates and times of your calls and messages and should you do so. I must warn you that they will constitute ‘harassment' and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offence for a creditor or a creditor's agent to make demands (for money), which are aimed at causing 'alarm, distress or humiliation', because of their frequency or manner.

Please provide verification of your claim, by providing me with true and certified copies (not photocopies) of the Deed of Assignment (NOT Notice of Assignment) and Deed of Novation. Please also provide me with the name of the individual who is the duly authorised representative from your company, who has seen the Original Note and is certifying these assignments as certified copies and that your company now has the Original Note (Credit Agreement) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

Please provide this information and documents within ten (10) days from the above date, so that I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms: that you are a third party interloper; you have no legal standing; no first-hand knowledge of this matter; your claim is fraudulent; any damages I suffer you will be held culpable; you agree to pay all fee schedules; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter any further.

Should you provide sufficient evidence that I owe your organisation or your client any outstanding amount and that you can provide proof that they have assigned you agency, I should be happy to pay any verified claim in full.

Yours faithfully,

*****:*****
By: Sovereign ---- of the family: ----
Authorised Agent and Representative for ----- -----

WITHOUT RECOURSE – NON-ASSUMPSIT

by **Mrblue2015** Tue Mar 21, 2023 6:23 am

Personally, I am reluctant to critique older versions or variations on the NoCAs etc that now reside in our new section. You potentially open yourself up to all sorts of risk.

Why would you want to consider an older version…? What is your objective?

by **daveiron** Tue Mar 21, 2023 7:45 am

Hi Pete,
Personally i would use the new ones as they do not cause controversy
(therefore no cause of action) they also get right to heart of the matter.
They are working because the questions asked are valid and if there is
no deception occuring they would have no problem answering, after all
you are offering to settle .

The one you have is basicly the old 3 letter process which lost its effect
due to people just accepting whatever was sent and not what they asked
for.

by Pete012 Tue Mar 21, 2023 10:37 am

Mrblue2015 wrote:Personally, I am reluctant to critique older versions or variations on the NoCAs etc that now reside in our new section. You potentially open yourself up to all sorts of risk.

Why would you want to consider an older version…? What is your objective?

Hi Mr Blue,

I am not considering using the old version.
I just wanted to know if anything in it still has validity..... as I said, out of curiosity.

I will be using the new version.

Pete

by Pete012 Wed Mar 22, 2023 11:49 am

Pete012 wrote:Hi All,

I had a letter today from LOWELL debt collectors.
They have "bought" my debt from Studio---which, of course means that the debt is now paid and I do not owe LOWELL's anything, as I had no contract with them etc.

This it the letter I had today (there are two):

Can someone tell me if I can use the three letter method to LOWELL and if there is an updated version of them?.

Advance thanks for any advice sent.

Pete

Hi,

Lowell debt collectors have said they purchased my alleged debt from Studio.

I just want to make sure I am clear on whether I start the first notice to them as a DCA or DP....?
They are both a DCA and the DP..... so, as they have told me they purchased the debt from Studio, certain Notices I send should be addressed to the DP?

Sorry if I sound like an idiot, but I just need to be clear.

Pete

by **daveiron** Wed Mar 22, 2023 11:55 am

Yes if they say purchased it ,use the NoCA for Debt Purchasers

https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only

by Pete012 Wed Mar 22, 2023 11:59 am

daveiron wrote:Yes if they say purchased it ,use the NoCA for Debt Purchasers

https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only

Thanks, Daveiron.

by Pete012 Wed Mar 22, 2023 12:44 pm

Hi,

Just want to be clear on the following:

As my alleged debt was not from a bank, what do I need to leave out or add in the first Notice to the DP in the "Notice of Conditional Acceptance" part?.

"""(3) Please confirm that the alleged original agreement (herein called 'the note') in
line with standard banking practices and The Bills of Exchange Act 1882.is a
Negotiable Instrument / A Promissory note / Security / Bill of Exchange.
Please answer under full personal liability.

(4) If you have confirmed that paragraph 3 is correct ,are you aware that if such
'note' was deposited by myself with xxxx bank, then I became a creditor of xxxx
bank as per the judgement made by Master of the Rolls Lord Denning who stated
in a precedent High Court judgement: "We have repeatedly said in this court that
a Bill of Exchange or Promissory note is to be treated as cash. It is to be honoured
unless there is some good reason to the contrary" Lord Denning M.R. In Fielding &
Platt Ltd. v Selim Najjar [1969] 1 W.I.R.357 at 361;[1969]2 ALL E.R.150 at 152,CA
Please answer under full personal liability.

(5) Please confirm that you are aware that if the alleged 'note' was deposited with
xxxx bank ,that as per the Bank of England (quarterly bulletin 2014 Q1) it "created
money out of thin air" thereby creating a deposit in the banks ledger to the face
value of the alleged loan, and as such xxxx bank only created the facility to draw
down on said deposit.
Please answer under full personal liability.

(6) As it is recognised that xxxx bank created the money from thin air, you may wish
to obtain clarification from xxxx bank how they suffered a material loss.

(7) Are you aware that if you have not been provided with the alleged original 'note'
by xxxx bank it is possible they may have sold or traded it, and as such if it
exists it may indeed be located anywhere in the world and any holder in due
course would be able to make a claim against me?
Please confirm under full personal liability."""

As my alleged debt does not pertain to a bank, do I leave out all references to that.... and do I add something else in it's place, as my alleged debt was from STUDIO.

Again, sorry if I am asking silly questions.

Pete

by **daveiron** Wed Mar 22, 2023 1:24 pm

Hi Pete,
Not silly questions, Was it for goods received or just a loan, if for goods
we may have to take a different route.

by Pete012 Wed Mar 22, 2023 1:41 pm

daveiron wrote:Hi Pete,
Not silly questions, Was it for goods received or just a loan, if for goods
we may have to take a different route.

For goods received.
What other route do I need to take?.

Thank's, Daveiron.

Pete

by **daveiron** Wed Mar 22, 2023 3:33 pm

Ok Pete , As its for goods received you should have honoured the contract.
However as its been sold off i think we can approach it in another way.

I have come up with this for starters ,if you want to try it and see what
response we get back.

I have received from you a letter claiming I owe a debt to your corporation.

You are claiming that you purchased an alleged debt from Studio Retail Ltd.

Take notice this is not a refusal to settle any obligation i may have ,it is a request
for information via a Data Subject Access Request.
I require from you any and all information you hold or have access to regarding
my personal data.

Additionally i require from you ;

1. A certified copy of any agreement between myself and Studio retail Ltd
Said copy must be accompanied with the name of whoever lays claim to
its authenticity .A photo copy is not acceptable.

2. Do you hold the original signed agreement ?

3. I require a signed statement from Studio Retail Ltd stating that no insurance
claim has been made in respect to this alleged account

4. As you claim to have 'bought' the alleged debt ,please confirm that as such the
original agreement is therefore either (a) A promissory note (b) A Bill of
Exchange (c) Negotiable Instrument (d) Security.

5. I will require a copy of any Deed of Assignment ( i will accept a redacted copy
with any redactions being limited to any third party who is not in anyway
connected with this matter. I am sure you are aware of the Lord Denning
Judgement regarding DoS so there is no need for me to quote it at this stage.

6. Please confirm that should you prove to my complete satisfaction that i do
owe a debt to you ,you will in exchange for full settlement return said Original
Agreement to me in original condition free from any endorsements or markings
in order that I may cancel it.

by Pete012 Wed Mar 22, 2023 4:16 pm

daveiron wrote:Ok Pete , As its for goods received you should have honoured the contract.
However as its been sold off i think we can approach it in another way.

I have come up with this for starters ,if you want to try it and see what
response we get back.

I have received from you a letter claiming I owe a debt to your corporation.

You are claiming that you purchased an alleged debt from Studio Retail Ltd.

Take notice this is not a refusal to settle any obligation i may have ,it is a request
for information via a Data Subject Access Request.
I require from you any and all information you hold or have access to regarding
my personal data.

Additionally i require from you ;

1. A certified copy of any agreement between myself and Studio retail Ltd
Said copy must be accompanied with the name of whoever lays claim to
its authenticity .A photo copy is not acceptable.

2. Do you hold the original signed agreement ?

3. I require a signed statement from Studio Retail Ltd stating that no insurance
claim has been made in respect to this alleged account

4. As you claim to have 'bought' the alleged debt ,please confirm that as such the
original agreement is therefore either (a) A promissory note (b) A Bill of
Exchange (c) Negotiable Instrument (d) Security.

5. I will require a copy of any Deed of Assignment ( i will accept a redacted copy
with any redactions being limited to any third party who is not in anyway
connected with this matter. I am sure you are aware of the Lord Denning
Judgement regarding DoS so there is no need for me to quote it at this stage.

6. Please confirm that should you prove to my complete satisfaction that i do
owe a debt to you ,you will in exchange for full settlement return said Original
Agreement to me in original condition free from any endorsements or markings
in order that I may cancel it.

Thanks, Daveiron, for taking the time to reply with the above.

I did not honour the contract as I could not continue with the payments.

Is this letter classed as the first one of three?

just one more point----do I have to put anything at the foot of the letter as follows?:

No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved.

WITHOUT RECOURSE – NON-ASSUMPSIT

Much appreciated,

Pete

by **daveiron** Wed Mar 22, 2023 6:16 pm

I would send this first and see what they come back with,then we can base
notices on that.
Given the amount ,they wont want to spend much chasing this.

with regards to the finish of the letter. thats all fine , i now always
write my signature with the words 'all rights reserved' just below it and
ensure my sig goes over some of it.

also do not send to that PO box ,their address should be on the top or
bottom of their letter. dont forget RM signed for.

by Pete012 Wed Mar 22, 2023 10:25 pm

daveiron wrote:I would send this first and see what they come back with,then we can base
notices on that.
Given the amount ,they wont want to spend much chasing this.

with regards to the finish of the letter. thats all fine , i now always
write my signature with the words 'all rights reserved' just below it and
ensure my sig goes over some of it.

also do not send to that PO box ,their address should be on the top or
bottom of their letter. dont forget RM signed for.

Thanks, Daveiron.

All your advice etc taken on board.

Pete

by Pete012 Sun Mar 26, 2023 5:14 pm

daveiron wrote:Ok Pete , As its for goods received you should have honoured the contract.
However as its been sold off i think we can approach it in another way.

I have come up with this for starters ,if you want to try it and see what
response we get back.

I have received from you a letter claiming I owe a debt to your corporation.

You are claiming that you purchased an alleged debt from Studio Retail Ltd.

Take notice this is not a refusal to settle any obligation i may have ,it is a request
for information via a Data Subject Access Request.
I require from you any and all information you hold or have access to regarding
my personal data.

Additionally i require from you ;

1. A certified copy of any agreement between myself and Studio retail Ltd
Said copy must be accompanied with the name of whoever lays claim to
its authenticity .A photo copy is not acceptable.

2. Do you hold the original signed agreement ?

3. I require a signed statement from Studio Retail Ltd stating that no insurance
claim has been made in respect to this alleged account

4. As you claim to have 'bought' the alleged debt ,please confirm that as such the
original agreement is therefore either (a) A promissory note (b) A Bill of
Exchange (c) Negotiable Instrument (d) Security.

5. I will require a copy of any Deed of Assignment ( i will accept a redacted copy
with any redactions being limited to any third party who is not in anyway
connected with this matter. I am sure you are aware of the Lord Denning
Judgement regarding DoS so there is no need for me to quote it at this stage.

6. Please confirm that should you prove to my complete satisfaction that i do
owe a debt to you ,you will in exchange for full settlement return said Original
Agreement to me in original condition free from any endorsements or markings
in order that I may cancel it.

Hi Daveiron,

What would happen if they were to send me any of the documents I ask for in the letter?

by **daveiron** Sun Mar 26, 2023 5:38 pm

See what they come back with Pete, You require they answer all points.
As its only a small amount they are very unlikely to persue very far, remember
with them its only about the money . Its obviously just part of a bundle
they bought and probably paid no more than £20 for yours ,so whatever
they do is going to rapidly eat into approx the £200 they stand to make.

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