Being chased for a debt which isn't mine (Lowell Financial)

I just got off the phone from O2 and they have no information what so ever of me owing them money and the account number mentioned is not even an O2 account.

This Lowell group is texting me though so they have my phone number and address.
 
I just got off the phone from O2 and they have no information what so ever of me owing them money and the account number mentioned is not even an O2 account.

This Lowell group is texting me though so they have my phone number and address.
Use the letter template in my opening post. Send it recorded delivery. If you need their address let me know.
 
Well it can still be pursued, but after six years of no one claiming to owe the money or they haven't proved it or taken it to court after six years legal action is no longer possible. And its no longer possible to just apply for a CCJ before even making the person you are chasing aware you are intending to take court action.

You can't even make someone bankrupt or get a debt relief order unless you owe one single creditor over £5000 - so most debts below this figure are mostly just chased by letters and phone calls, eventually the debt collection agency archives the debt and another company years later buys it for pennies in the pound and has another go. Most likely when the debt is 5 + years old in a hope to scare someone into stumping something up, by offering 50% off the total amount or asking for a regular payment plan... Once it hits 6 years they can no longer go to court but can still chase.

Sorry I didn't feel the need to explain what statute barred meant!
 
Was reading this and got in touch with my mum asap. It turns out they contacted her and she's started paying since last month. What can I do to help her?
 
Was reading this and got in touch with my mum asap. It turns out they contacted her and she's started paying since last month. What can I do to help her?

We could probably do with a little more detail. Did she actually owe the debt? If not, she should stop paying and demand a refund.
 
Was reading this and got in touch with my mum asap. It turns out they contacted her and she's started paying since last month. What can I do to help her?

while they might have some bad reviews and are perhaps working on some debts with minimal details/information thus end up tracking down people who share the same name etc.. I'd be rather surprised if they were just making up these debts and targeting people as some part of a massive fraud... they're probably a 'legitimate' debt collection agency, ergo she might well owe the money, especially fi she's not questioned it and is making payments

though if she's got herself into a silly situation that is unmanageable then it might be best for her to get some advice on perhaps setting up an IVA with her creditors
 
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