Hi Guys,

I received a chasing letter from Lowell for a debt I thought was SB

they have replied saying it is not.

I have been paying this through a DMC but stopped payments in 2012

(i checked my statements).

Thing is I completely forgot about this and sent them a prove it letter.

The debt is a store care debt and total £299.00

- They have said they have placed my account on hold when they request the contract from the creditor.

What shall I do when they do reply?

Thanks for your help

Tell them to prove it. Its up to them to prove it isnt. Not for you to prove it is.

if it isnt DB, send a CCA request.

if you stopped payments in 2012 it cant be sb'd?

what made you think it was?

get an sar running to the original creditor who was?

dx

Tell them to prove it. Its up to them to prove it isnt. Not for you to prove it is.

 

if it isnt DB, send a CCA request.

Thank You

Hi All,

Thanks for reading, I have another posts on here but thought i`d keep this separate.

A few years ago i got into debt and went onto a DMP which I stopped paying on (i cant remember when)

since then my credit has gotten better and after many years i now have CC again.

The problem with this is my old debts are crawling out the woodwork (which I have been seeking advice on here and dealing with)

Thing is

- I received a chase letter for a store card with a balance of £299.00

i sent a go away letter as i thought this was SB

DC replied saying the debt isnt SB the last payment I made through the DMC was MAY 2011. And they attached a statement

I was about to pay this as it is a small amount,

however when I looked carefully the statement they sent me is just some numbers on a spreadsheet

. There are no dates of the transaction or card details just date(year), numbers, refund , payment. And I thought this could be anything.

I have about 5 sheets of this printed back to back.

Question is, is it to late to send a CPR request?

what should I do

Thanks for reading

HI Nicole

Have you received a claim form for this account yet?

not yet. I kinda do not want it to get to that as I now know they add interest and all sorts, But I dont trust what they have sent me and also this card is not appearing on my credit file at all

So it was defaulted more than 6yrs ago then

CPR is only for court claims really

You mean a CCA request

Who was the original creditor

ok! its a new look store card thats been sold a few times now with llowell

CCA request time

ok I have sent it now I wait

Evening All,

Just seeking a second opinion.

I had a store card debt which I thought was statute barred when the debt management company started chasing,

i sent them a "get lost" letter when they advised me the debt isnt SB.

There is no default on my credit file for this debt

but according to them the last payment I made through a DMC was 2013

(i had a few debts with this company and was making the payments).

I sent off the CCA/CPR request

and after about 8 months they have responded with a signed copy of the agreement.

The alleged debt is for 300.00,

is there anything else I could do or do I just cave in a pay it?

Regards

Well it cant be Statute Barred if your last payment was 2013.....how old is the agreement and does it look legit ?

Who is the DCA ?Lowell Who was the OC ? New Look

Andy

three threads merged

please keep to one thread per debt

dx

Correction, the last payment by DMC was May 2011

The agreement is not dated.

I was only sent one A4 page (blank at the back)

the front is the application form front page with my DOB, old address, mobile number and signature in my handwriting.

The front page doesnt look dodgy but i would have expected the entire contract which should be folded (like a book) in A4 size.

am wrong in thinking this?

The DCA is Lowell and Its a New Look card

thanks

can you please scan up the CCA return to ONE multipage PDF

follow the UPLOAD