Hi all,

Back in 2013 and a period before I had some pretty turbulent financial times.

Some of my debts have now dropped off my credit file

this morning I got a letter through from Lowell.

I've had tonnes before including an offer £350 for a partial settlement a few months back.

I have just been ignoring these letters or marking them RTS.

I'm just slightly concerned because this one is a different format to usual with the heading 'Pre-legal Assessment'.

Should I just continue to ignore?

Once I calmed down I noticed the text was less clear than it first appeared

- 'whether to transfer' and 'a decree may be registered'

The problem is I don't have the money to pay this

there is another one with Lowell for about £600 on my credit file

if I were to pay I suspect they'd come after me for that too.

Also... quick question on the decree.

If a decree were to be issued

would it drop ofter after 6 years from being issued

or 6yrs after the initial default?

The default was issued in Oct 2013.

Thanks for your help in advance.

Lowell.pdf

not a good idea to RTS any debt letters.

was the card taken out at the address your presently reside at?

dx

the decree is there for 6yrs but doesn't become 'spent' for 20yrs.

I'm not sure to be honest. Could have been my address or my parents address. Why do you ask?

backdoor litigation.

but as its your parents you'd get it pretty quick anyway.

as its only a few "100's it would be a simple procedure rules claim

if they are offering a discount

that means the debt is loaded with penalty fees and or their PPI [vanquish called it ROP]

i'd be sending an sar to vanquish get all the statements.

you need to be a bit cute here.

as this is a 2013? card

they'll be able to produce any ole crap in court to prove the agreement exists.

so it could be a difficult one to defend.

get that sar running

lets findout how much of this IS unlawful fees etc..

I wouldnt worry too much about the letter

ive seen those 100's of times

rarely results in a claim.

and for such a small sum

if they did goto court

it would cost them more in fees/rep fees than they'd ever get from you.

dx