Well I think you should be okay here. I'd write back next week and tell them that it is statute barred and refer them to the last payment date rather than the default date and that'll give them some running around to do. Then when you get the next letter you can tell them it's statute barred and to *** off.

In any case I can't see them getting anywhere at this stage if they tried to take any action. They do know of course that these CapOne accounts are not CCA compliant. They won't want to waste money on you. They prefer people who don't fight back!

..

Sshhh...

They went past their own deadline... oops. Statute Barred.

Status now showing as 'NR' (Not Reported) - is that how it stays until they finally close the account - and does it affect credit score?

Hi all, this is with regard to an old Cap1 account which was defaulted in 2009 - and thus statute barred.

Lowell have made 9 individual 'enquiries' on my credit account in the last two weeks.

I'm intrigued... any thoughts?

Thanks muchly

Theyre likely soft searches done when theyre going through their list of debts. They wont be seen by anyone but you.

Thanks. Was just wondering why they'd even bother with something so old!

Deffo soft searches... I checked with them many moons ago from Sara De Tute.... And she confirmed Lowell only do soft enquiries

Thanks.

To clarify, I know they're soft searches and leave no footprint. Just wondering if anyone knows why they'd bother!

Prob to see if they can chance someone gullible and get a ccj by default. Remember . No dca have any morals. They will do anything and everything they can to get money. And they know that 99% of people have absolutely no idea how to challenge them

Surely a judgement on a statute barred 'debt' would be worthless? I'd have thought I'd bloodied their noses too many time already lol

It is but many people don't even know what statute barred is. They think debts are collectable forever and think their homes can be blacklisted