Lowell Debt Collector Letters Misleading!

[OliverJames]

Re: Lowell Debt Collector Letters Misleading!

And please, never talk to a DCA or debt buyer unless you record the call!

I asked them several times to confirm that the call was recorded and they advised me that it was, unfortunately I wasn't in a position to record the call myself.

[Don Quixote]

Re: Lowell Debt Collector Letters Misleading!

I asked them several times to confirm that the call was recorded and they advised me that it was, unfortunately I wasn't in a position to record the call myself.

So did they make the employer threats in a letter or a call? Tell us all. And tell us about the original dispute with Orange.

[Nibbler]

Re: Lowell Debt Collector Letters Misleading!

We know they write their letters in such a way that the recipient takes in the nasty bits rather than the whole. They rely on ignorance of the law. The most insidious type of statement is ‘When we gain judgment, we shall...’ – fortunately, this is becoming less common, but replacing ‘When’ with ‘If’ is lost on most people who are simply scared of the implications.

Believe me, I know that full well.

[nemesis45]

Re: Lowell Debt Collector Letters Misleading!

If a defaulted debt is " paid off" in part as full & final settlement the credit file should be marked "
"partially satisfied and will remain on file for the balance of the 6 year "life" of the default, as the record must be accurate and up to date.
It is the original creditor that places a default the DCA/ Debt Purchaser only updates the existing entry with its details, the default date remains the same.

As to disputes there is nothing to stop a creditor concluding that there in no longer a dispute in its eyes issuing a final response and selling the debt.
When you pay this off make the payment conditional on the remaining balance is not to be sold or assigned for collection to any 3rd party, do not send any payment until you have this in writing.

This situation proves one thing,. It is never a wise thing to attempt to negotiate with DCA by telephone.

nem

[OliverJames]

Re: Lowell Debt Collector Letters Misleading!

So did they make the employer threats in a letter or a call? Tell us all. And tell us about the original dispute with Orange.

It was in a letter, but I don't know where that letter is as we have moved house since and the letters were all bundled together in one of the boxes that i may or may not have already opened?

But it was 100% in writing

[Nibbler]

Re: Lowell Debt Collector Letters Misleading!

As said, I would bet it was couched with many 'ifs' and 'mays' etc.

[OliverJames]

Re: Lowell Debt Collector Letters Misleading!

And tell us about the original dispute with Orange.

I had my own business a number of years ago and although the phone was taken out in my name, it was paid for using a business card, and the bank account paying off the line rental was in the business name. I sold the business in 2012 and forgot about the phone. As it was in my name, it was my responsibility but I argued the fact that it was the business' phone and should have not fallen back onto me!

I disputed this on the phone with Orange several times, but they now say they can't see ANYTHING on their files to do with me.

[Nibbler]

Re: Lowell Debt Collector Letters Misleading!

As said, I would bet it was couched with many 'ifs' and 'mays' etc.

Probably along the lines of.

http://i.imgur.com/73fc5P4.jpg

Though think they may have ditched Hamptons now after the whole fake lawyer letter debacle.

[OliverJames]

Re: Lowell Debt Collector Letters Misleading!

That feels very much like the letter i received

[wales01man]

Re: Lowell Debt Collector Letters Misleading!

Was the contract in the Business name? was it a Ltd company?

[OliverJames]

Re: Lowell Debt Collector Letters Misleading!

Was the contract in the Business name? was it a Ltd company?

The contract was in my name, paid off by the company bank account.

[nemesis45]

Re: Lowell Debt Collector Letters Misleading!

Probably along the lines of.

http://i.imgur.com/73fc5P4.jpg

Though think they may have ditched Hamptons now after the whole fake lawyer letter debacle.

Now Called the " Pre Legal Assessment Department" next desk to the dodgy discount and duff debt departments.

nem

[Nibbler]

Re: Lowell Debt Collector Letters Misleading!

That's it Nem. Knew I had heard and read it somewhere, but could not bring it to mind.

[nemesis45]

Re: Lowell Debt Collector Letters Misleading!

Probably staffed by a trainee paralegal/tea boy!!!


nem

[OliverJames]

Re: Lowell Debt Collector Letters Misleading!

Probably staffed by a trainee paralegal/tea boy!!!

Or just a printer....