About to send letter 1

[Tseten]

I'll try and post a scanned image tomorrow/sunday, but currently windows refuses to talk to my scanner...

I received my second letter from Red Debt today. The date is printed as 10th April - I posted my first letter to them and Lowell on the 11th...

It said in a nutshell: as they have not received any response from me with regards to agreeing on a payment plan, that they will give me a 30% discount on my alleged debt OR let me pay 60 Pounds a month until its covered. I have 10 days to call them and agree to these terms or they will pass it directly onto Hamptons Legal (there legal division as they put it). Or if I cannot afford what is being offered (which I can't) to call them and discuss other payment plans.

So as this letter was posted before I posted My first letter, by the time I post my second, Hamptons legal will be on my case and i'll have to start sending them the 3 letters too. Thus I'll be sending all three divisions a letter (Lowell Finacial, Red Debt and Hamptons)

though I'll have to double check later, but i'm sure I came accross information the other night that stated Hamptons legal dissolved, or at least Lowells directors resigned. Will have to double check that!

Anyone have any thoughts or opinions on any of the above? Shame they didin't give me a 90% discount, i might have succumbed just for the saving of postage which is going up this week I hear...


EDIT:: As we can write these people a letter telling them not to phone us. And (I believe) send a letter of denial of entry to our abodes. Can we not send letters to stop their poaching and harassment by postal mail>? - If they cannot provide us with what we have requested in letter one, what right do they have to hound us with accusations and threats?

As they [DCA's] have settled our alleged agreement with the governing body which may have allegedly loaned a sum of monies to us, as I understand it, without signing a contract with the DCA we only have a potential contract with the governing body [bank] which may have granted us the funds [imaginary peter pan monopoly money] in the first place, so the DCA has no legal bond to us. I.E we have no binding contract between ourselves and the DCA, they bought the original alleged debt and at this point [DCA bought debt] my alleged obligation to the bank, should be concluded in full, any credit rating mishap should be labeled as paid in full and any remaining debt to the alleged account should be furnished/voided via the DCA.

Or one too many Jack Daniels? I just believe that without them providing CONCRETE proof in the beginning, that they should not legally be doing what they are doing. They have sent a dozen letters to me since December 16th 2011 - without one response except the first letter a few days ago.

If I had the funds I'd have a great lawyer on there Arse!

[redmakka]

Its a disgrace that a company can have so many debt collector companies under the main one collecting off people. Lowells must have the majority of the inbdustry cornered

[ceylon]

Because they are corrupt, lie, cheat, steal and use any underhanded method they can. They are just a bunch of conmen that rely on the public being too stupid to know what’s really going on.

[Tseten]

Howdy,

Well its been a few weeks and I thought that I would post an update and ask for some opinions...

The last letter that I received from lowell, they gave me 10 days to respond and accept a 30% decrease in the total that 'i' allegedly owe OR pay 60 a month until its all clear...

Very soon, i post my third letter.

Since I posted my first letter I have not heard one word from them, I check everyday and still no letter...

Before they sent me a new letter every 4-7 days exactly. This is the longest in 5 months that I haven't heard from them.

What do you think is going on? Are they scared to print my name and get a bill? Or are they backing off, of the calm before the storm?

[ceylon]

they get loads of letters from us they know whats coming just keep going

[Tseten]

Thanks Ceylon. Letter no. 3 off... Hopefully no response and 30 days to Estoppel Notice!

FYI EVERYONE...This is the longest I have gone without harassing mail from Lowell. Thumbs up so far!

[aproella]

awesome ,,keep up the good work mate we're all pullin' for ya

[Tseten]

Please tell me what you think. (Will create new thread if admins think i should)

I received this four page letter this morning. They wrote it on the 30/04/12 although it is postmarked 02/05/12 (The day they received my third letter).

This is the first time I have had anything off samantha and the first letter since posting all three.

Notable differences on Samantha's letter is that she worte my name in ALL CAPS, previously its been All Caps etc...

[ceylon]

had that letter just crap all of it bill them

[Tseten]

Hello again everyone!

I've been rather lazy this month and have reverted back to hide my head in the sand...

I have not heard anything from lowell since the letter above (which was dated a day before i sent my final letter but postmarked two days later)

As Ceylon suggested should I still bill them even though a month has past and if so should I send two bills. (Everytime I sent my letters I sent one to Andrew Bartle and another person) or should i now just pick one person.

Or should I pretend I didn't receive a letter from them and now send the essotple letter?

Advice again would be great and sorry for not following your previous advice Ceylon, won't happen again!

EDIT:: Just checked my mail and yes, i have just received another letter from samantha, very short saying they have requested statements from hsbc and my account in currently on hold, she says they will take time to arrive and not to contact them again!