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Lowell and response from BPO Collections

orpgrpsn asked:

Hey all

I just wanted to put this out there if anyone could tell me what i should do n whats going on.

Basically it started with the standard extortion letter frm hamptons legal (fake solicitors) i.e Lowell claiming an alleged debt. I immediately send letter 1 with Section 10 and No implied access, i got no reply so sent the 2nd letter off, again no reply. I then sent letter 3 also pointing out they had not complied with my sec 10 with notice of intention of estople, this is where it gets a little strange.

I received two letters one frm lowell and the other frm BPO collections. The letter frm lowell is them saying there gona chase there tails and get statements. but the letter frm BPO is odd,

the gist of it is ” i am writing in regards to a recent complaint’ i havnt complained to these guys “would like us to provide you with documentation” blah blah blah ” i am unable to supply you with any original documentation” blah blah “we have been instructed to recover the.. balance by our clients lowell” blah blah ” i have closed this account & returned it to my client” blah blah.

Can someone please tell me what this is all about and what i should do now? i have my ideas on whats happened bt i’m nt over sure on what my next steps should be, seems there playing funny games. I can post copies of the letters if people want.

Any help with this would be great πŸ™‚


i have been thinking to stay in complete honor and see if i can gt any information frm BPO i have draft this letter (most of it is taken frm the many templates on this site and been adapted to suit my needs) to them:

“Thank you for your correspondence dated … which was received on … and it’s content has been noted. This letter is NOT a complaint and must NOT be treated as a complaint and wish to deal with this matter in writing only.

I am bemused as to why this account was passed to yourselves, as it is clearly in dispute with LOWELL FINANCIAL LTD, and has been since …. Not only is this a breach of FCA Collection guidelines, but is also a breach of the Consumer Credit Act 1974 and THE DATA PROTECTION ACT 1998. pleace note that LOWELL FINANCIAL LTD are now in default of my Consumer Credit Act request and have also breached my SECTION 10 NOTICE persuant to THE DATA PROTECTION ACT 1998.

Added to this, the LOWELL FINANCIAL LTD are also in a legally binding Tacit Agreement as well as being served notice of NOTICE OF INTENTION OF ESTOPPEL Further to this, they have failed to provide the Deed of Assignment and any Novation Agreement nor have provided any documentation or proff of claim. I consider this account to be in SERIOUS DISPUTE.

LOWELL FINANCIAL LTD have also not produced The Fair Processing Notice (Privacy Notice) and requisite permission that allows them to process my data. I have not given you permission to report my data and you must cease and desist with immediate effect. To ensure proper compliance, please find enclosed a SECTION 10 NOTICE to which you must reply within 21 days. As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, and this constitutes a complete defence at law.

I respectfully request that you answer the following simple questions so to clarify your position:

a) you have stated β€œ I have closed this account & returned it to my client”, can you please confirm this is true.

b) who raised the alleged complaint with yourselves,

c) when was you passed my information and instructed by LOWELL FINANCIAL LTD to recover the alleged oustanding balance?

Can you please provide any documents and/or evidence in relation to the above questions for the avoidance of any dout. I would appreciate your due diligence in this matter, and would appriciate a response within TEN (10) DAYS of the date of this letter, l look forward to hearing from you in writing.”

Any suggestions or improvements welcome.

Peace n love to all πŸ˜€

p.s. credit goes out to the people out there that have taken the time and effort into writting the many templates on this site they have helped me in a lot of ways.

Faljay replied:

Lowlifes have obviously engaged BPO to pursue you for the alleged debt as well. This is in direct violation of FCA rules:


7.13.10: A firm should take reasonable steps to seek to ensure that, where it has engaged a third party to recover debts on its behalf, the customer is not subject to multiple approaches by different persons, resulting in repetitive or frequent contact with the customer by different parties.


7.5.3: A firm must not ignore or disregard a customer’s claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer’s claim is not valid.

Firstly, the letters are a clear and valid dispute and secondly, whilst they are in the midst of gathering documentation, they must cease all action on the account until such times they locate said documentation.


royboyone replied:

Also looks like as they can’t supply you with the information asked for they have closed the account on their system and sent it back to Lowlifes. πŸ˜†

williams2583 replied:

Wait for the next dca on the scene.

orpgrpsn replied:

Hey all

Thks for the reply guys :), yh i was thinking that they had broken some rules but i couldn’t get the exact ones. My thinking is that lowell dnt have any docs for the account n have tried to pass it on, bt BPO have figured out that coz i have already sent lowell the 3 letters if they take the account on there the ones that are gona land themselves in the dog kennels. Should i report both BPO n lowell to the FCA?

Peace n love to all πŸ˜€

Faljay replied:

You first have to write a letter of complaint to Lowlifes, this will allow them 8 weeks to respond and if they do not, or ignore your complaint at the end of the 8 weeks, or do not qualify it as a complaint, report them to the Financial Ombudsman Service.


orpgrpsn replied:

hey, yh i was thinking i woul;d have to make a complaint first before i go to FCA FOS n all that. I’m dealing with other account with these guys so i’ll likly wait abit till i gt the lst account in estople then complain in one big go. Funny you mention that but lowell have turned one of my letter into a complaint wich i just gt today. It seems these guys r complete idiots n dnt know there own rules.

Peace n love to all πŸ˜€

royboyone replied:

They know the rules but hope you don’t, that’s how they get the uneducated sheeple to pay. πŸ˜† πŸ˜†

orpgrpsn replied:

LOL, can i play dumb n get away with it? πŸ˜›

royboyone replied:

Only if you answer the phone when they call you. πŸ˜† πŸ˜†

orpgrpsn replied:

LOL, they once phoned me asking to confirm its me so i asked the same back, the lady on the other end took quite offense at this n i ws lyk you phoned me so i’m checking you identity for confirmation :P. i do lyk playing games with these bottom feeders.

Peace n love to all πŸ˜€