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

by Pete012 Mon Mar 27, 2023 12:46 am

daveiron wrote: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.

Ok, thanks, Daveiron.

Will let you know what reply I get.

Pete

by **Mrblue2015** Mon Mar 27, 2023 2:55 pm

As per DI, it all boils down to money. They are not going to spend a pound to reclaim a penny... And on that point, most of my satisfaction came from knowing that the respective debt companies I dealt with spent (wasted) a lot of money and got nowhere Smile

by Pete012 Tue Mar 28, 2023 11:15 am

Mrblue2015 wrote:As per DI, it all boils down to money. They are not going to spend a pound to reclaim a penny... And on that point, most of my satisfaction came from knowing that the respective debt companies I dealt with spent (wasted) a lot of money and got nowhere

Hope I have same outcome, Mrblue! Letter from LOWELL debt collector---any advice appreciated. - Page 2 1f604

by **Mrblue2015** Tue Mar 28, 2023 2:30 pm

You will if you follow the advice diligently Smile

by Pete012 Thu Mar 30, 2023 2:10 pm

I am getting phone calls from Lowell (the DC), but as yet I have not answered or talked to them.
How can I stop them calling me?....Any ideas?

PS...I dont have a mobile phone--only a landline, and the landline is an old one with no blocking methods etc.

by **daveiron** Thu Mar 30, 2023 3:33 pm

Send a notice to Cease and Desist, they have never failed me ,and over
the years i have sent many to many organisations for many reasons.

Tell them ALL contacts must be via Royal Mail.

by Pete012 Thu Mar 30, 2023 4:08 pm

daveiron wrote:Send a notice to Cease and Desist, they have never failed me ,and over
the years i have sent many to many organisations for many reasons.

Tell them ALL contacts must be via Royal Mail.

.

Will do, daveiron.
Thanks.

by Pete012 Wed Apr 05, 2023 1:04 am

daveiron wrote: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.

Hi Daveiron,

I received another letter from Lowell Mon 3rd April----it was dated 27th March.

I sent the first letter via recorded delivery on 28th March---so I assume the letter I received was sent by them before I sent my first letter.
The letter received was very much like their first one to me.

I will await their reply to my first letter.

Pete.

Letter from LOWELL debt collector---any advice appreciated. - Page 2 Screen10

Attachments

: screenshot.jpg You don't have permission to download attachments.(89 Kb) Downloaded 4 times

by **daveiron** Wed Apr 05, 2023 5:56 am

In my experience the dates on these parasites letters have no relation
to the date they entered the postal system.
I find it good practice to write the date received on their letters.

by Pete012 Wed Apr 05, 2023 12:40 pm

daveiron wrote:In my experience the dates on these parasites letters have no relation
to the date they entered the postal system.
I find it good practice to write the date received on their letters.

Ok, daveiron,

I will just wait to see if they reply to my first letter.

Will let you know if they do.

Thanks.

by Pete012 Fri Apr 21, 2023 9:57 pm

Hi Daveiron,

I haven't had any reply yet from Lowell to my first letter (in a previous post, above)----BUT I did receive an email this morning from someone I have never heard of.

This is it:

alison.walker@oposlimited.com


To:
• You
Fri 21/04/2023 16:17

Opos Limited

Dear Mr **** ******,

Contact Required.

We are attempting to contact the above named person regarding a personal matter.

If you are the person named above, it is important that we speak with you as soon as possible. Please contact our office on telephone number 01389 493 417. Alternatively, you can email us at general@oposlimited.com

If however you are not the person named above, please accept our apologies. To avoid further communication in relation to this matter, we would appreciate it if you could contact us within the next three days so that we can update our records. If you are unable to supply us with information on how to contact the above person we would still welcome contact from you to allow us to amend our records appropriately.

Your immediate attention in addressing this matter is greatly appreciated. When contacting us by email please ensure to include your name and the Opos reference number shown here to the right.
Kind Regards,
For and on behalf of Opos Limited

Opos Limited
a: 2nd Floor, 15 Meadowbank Street, Dumbarton, G82 1JR
t: 01389 493 417
e: alison.walker@oposlimited.com
w: www.oposlimited.com

LEGAL NOTICE: The information contained in this communication is confidential and may be legally privileged. It is intended solely for the use of the individual or entity to whom it is addressed and others authorised to receive it. If you are not the intended recipient, please notify the sender immediately and you are hereby notified that any disclosure, copying distribution or taking of any action in reliance on the contents of this information is strictly prohibited and may be unlawful. The document and any attachments are not guaranteed to contain no computer viruses and you are advised to check for such viruses before downloading. Opos Limited is neither liable for the proper and complete transmission of the information contained in this communication nor for any delay in its receipt.
Opos Limited
Registered Office: 2nd Floor, 15 Meadowbank Street, Dumbarton, Dunbartonshire, G82 1JR Registered in Scotland: SC338837
Telephone: 0141 428 3990 Email: general@oposlimited.com Secure Website: www.oposlimited.com
Authorised and Regulated by the Financial Conduct Authority: FRN693817
Calls may be recorded for training and quality purposes"""""

I have not replied to them in any way----and I have checked to see if they actually exist---and they do.

Who do you you think they are, and what would you advise me to do?..

Many thanks,

Pete.

by memegirl777 Fri Apr 21, 2023 10:25 pm

Just seen this thread ..
My first giggle is always that the date on the
" we bought your debt "
Letter ..
Is the exact same as the date from the alleged original ..
"We sold your debt to "
Letter..
And from there shake our head ..
Why are Lowell in possession of a letter addressed to you that you never received ?
This latest offering is probably some bloke with 2 phones and a jot pad in a spare room ..
Looks like lLowel loosers couldn't even be bothered to inform you that they couldn't be assed ..
Just my opinion ..

by **daveiron** Sat Apr 22, 2023 8:52 am

I dealt with Opos last year .Red Satan bank passed it to them .
Mail was sent to my former business which i retired from 8 years ago.
I sent them a DSAR & demanded they provide documents showing me
linked to that address,Strangley they failed and i told them i would be
reporting them to the ICO.

Got rid of them with a Cease and Desist notice ,i then received a letter 3
days later to which i responded and have never heard from them since july
I think it must have been a last ditch attempt from Red Satan following
my NoCA. ( 4 debt collectors .1 solicitors ) all gone .

The CEO of Opus is Scott Craig :Dawson

This lot are a push over.

If you want a copy of my C&D notice ,PM me. In the mean time a quick letter
informing them all communication must be via RM .

by Pete012 Sat Apr 22, 2023 11:42 am

daveiron wrote:I dealt with Opos last year .Red Satan bank passed it to them .
Mail was sent to my former business which i retired from 8 years ago.
I sent them a DSAR & demanded they provide documents showing me
linked to that address,Strangley they failed and i told them i would be
reporting them to the ICO.

Got rid of them with a Cease and Desist notice ,i then received a letter 3
days later to which i responded and have never heard from them since july
I think it must have been a last ditch attempt from Red Satan following
my NoCA. ( 4 debt collectors .1 solicitors ) all gone .

The CEO of Opus is Scott Craig :Dawson

This lot are a push over.

If you want a copy of my C&D notice ,PM me. In the mean time a quick letter
informing them all communication must be via RM .

Hi Daveiron,

Thanks for replying.

I have just sent you a PM.

Many thanks,

Pete.

by Pete012 Mon Apr 24, 2023 11:31 am

Hi All,

I have just received a reply from LOWELL in response to my first letter to them.

Here it is:

Letter from LOWELL debt collector---any advice appreciated. - Page 2 1_00112

Letter from LOWELL debt collector---any advice appreciated. - Page 2 2_00111

other two pages to follow

Not quite sure what to do now............

Pete

by Pete012 Mon Apr 24, 2023 11:34 am

Letter from LOWELL debt collector---any advice appreciated. - Page 2 3_00110

Letter from LOWELL debt collector---any advice appreciated. - Page 2 4_00110

THAT IS THE LETTER---4 PAGES.... REPLY FROM LOWELL IN RESPONSE TO MY FIRST LETTER.

HAVE THEY SUSSED IT OUT?.

Pete.

by **daveiron** Mon Apr 24, 2023 11:54 am

Can you send me a copy of the letter you sent ?
Dont worry about the above

by Pete012 Mon Apr 24, 2023 12:07 pm

daveiron wrote:Can you send me a copy of the letter you sent ?
Dont worry about the above

Hi Dave...

This is the first letter I sent LOWELL--on March 27th 2023----and to which I received their reply today ( sent in previous post above):

Lowell Financial Ltd
Ellington House,
9 Savannah Way,
Leeds,
LS10 1AB

Mr Storrar, CEO 27th March 2023

cc Robert Taylor Your Ref:

I have received from you a notice 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
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.

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

WITHOUT RECOURSE – NON-ASSUMPSIT

All Right Reserved

They say in their reply received today that they have answered most of my questions.

Pete

by **daveiron** Mon Apr 24, 2023 1:03 pm

Thats good, They have not answered anything in your notice.
That i think is the reason why the old 3 letters are no longer much use ,because
they respond with a lot of obfuscation,and folks just accepted it.

Send notice 2 headed; NOTICE-OF-NON-RESPONSE-AND-OPPORTUNITY-TO-CURE

Every question in your original notice is very relavant and must be addressed

by Pete012 Mon Apr 24, 2023 2:06 pm

daveiron wrote:Thats good, They have not answered anything in your notice.
That i think is the reason why the old 3 letters are no longer much use ,because
they respond with a lot of obfuscation, and folks just accepted it.

Send notice 2 headed; NOTICE-OF-NON-RESPONSE-AND-OPPORTUNITY-TO-CURE

Every question in your original notice is very relevant and must be addressed

Hi Dave,

Thanks again for your reply.

Is the SECOND letter the one to send below?:

Notice 2
------------------------------------------------------------------------------
Their name and address your name & address

NOTICE-OF-NON-RESPONSE-AND-OPPORTUNITY-TO CURE.

Notice to principle is notice to agent, notice to agent is notice to principle.

To (name of CEO) Acting in your personal capacity as Chief Executive Officer.

Date xxxxx
Their ref no.xxxxxx

I sent a Notice of Conditional Acceptance to you on (insert date) via Royal Mail
tracking no xxxxxx and received by you (insert date).

As of the date of this Notice you have placed yourself in dishonour by your non
response. However if it transpires you have lost or misplaced the Notice. I hereby
attach a copy for your records and attention. (enclose copy of 1st Notice)

For clarification, i require all points to be answered in substance and under full
personal liability.

I await your response in order that this matter can be addressed honourably.

I hereby give you ten (10) days in which to respond.

Yours sincerely

By:

john.henry :Doe

Authorised agent and representative for JOHN HENRY DOE

Non negotiable. All rights reserved. Errors and omissions excepted

Implied admission by lack of response and compliance. All contacts recorded.

As you have seen their reply to my first letter, received today---they say they have sent what I asked for---BUT cannot send certain documents because of "confidentiality".

Shall I continue with this second notice---even though they will probably say that they DID respond?.

Pete

by **daveiron** Mon Apr 24, 2023 3:12 pm

Yes thats the one

I would just change the 'failure to respond' with failure to address all points
in my notice.

by Pete012 Mon Apr 24, 2023 9:40 pm

daveiron wrote:Yes thats the one

I would just change the 'failure to respond' with failure to address all points
in my notice.

Hi Dave,

So I put "failure to respond" instead of "NOTICE-OF-NON-RESPONSE-AND-OPPORTUNITY-TO CURE."?

..even though they did respond (although not fully)?.

Pete

by **daveiron** Mon Apr 24, 2023 9:52 pm

Ok, head it NOTICE-OF-FAILURE-TO -COMPLY
In the body of the notice just change where approprate to failure to address
point by point as required.

by Pete012 Tue Apr 25, 2023 11:08 am

daveiron wrote:Ok, head it NOTICE-OF-FAILURE-TO -COMPLY
In the body of the notice just change where approprate to failure to address
point by point as required.

Ok---will do.

Thanks Dave.

Pete

by Mobo Fri Jun 30, 2023 10:55 am

Pete012 wrote:I am getting phone calls from Lowell (the DC), but as yet I have not answered or talked to them.
How can I stop them calling me?....Any ideas?

PS...I dont have a mobile phone--only a landline, and the landline is an old one with no blocking methods etc.

I believe you can ask BT ( not sure about other networks) to block their numbers at the Phone exchange they did it for me last year when my X was being a Karen

They have a duty of care I was told, let them know and tell them you will leave if they don't help, it worked for me,

Good luck

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