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Havok123

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  1. Andyorch, 1st July it falls off my file. So just 1 month away. Think i will sit tight on this one until after this date and tackle it from there.
  2. They have only been sending letters to this address for the past year or so, why would they change now? They send their latest discount settlement letter to my current address 6 days ago, they are confident I live here would they really go and do that for an arguably already SB debt?
  3. Yes but they are aware of my current address (or one of them at least)
  4. So just sit tight for the next 31 days. Perhaps after that date, then i can send a standard SB letter in response to anythin further as Bankfodder suggested?
  5. Hi all, Was wondering if someone could help me on an a statute barred query. Lowell have been chasing me for an alleged LLOYDS debt on and off for a couple years. Details… Date of last payment on account January 2012. The account was an overdraft, and already in arrears exceeding its limit at this point. No payment or acknowledgement has been made since. Value is roughly £1500. A default was then recorded on my credit file on 01/07/2012. Now, I would assume COA would be somewhere between the January and the actual date of recorded default. If this is the case, this debt is very likely already SB. However, after having read about Lowell I am almost certain they will argue the default date of 01/07/12 is the relevant date if I send a SB letter and I’d rather not get into any communication with these fools unless 100% sure. Basically, in 1 month the default will completely disappear off my credit file and it will be 100% certain SB. My concern is they will be wise to this and try to pursue a CCJ at the last minute. What’s confusing is my last couple of letters have come in the form of discounted settlement offers. The wording has been “before we take legal action, we would like to offer you” - firstly 20%, then 30%, then 40%. This confuses me, initially I assumed this is because they are somehow aware due of the timeframe of the alleged debt being a lost cause and are trying anything and everything. Or is there a chance they will all of a sudden withdraw these offers go straight in for a full claim? If so, then why have they not done this already if they stand to recover the full amount? Am I being naïve? I am just looking for some overall advise on how to deal with this situation. Shall I wait it out with zero contact? Shall I send a prove it letter to keep them busy for a while? Thanks Will
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