started a new thread as advised.

my wife started to get letters about debts from lowells.

all have had cca requests sent on 4th july this year,

but they have all been acknowledged and all the accounts are on hold except capital one.

the paperwork they have sent suggests the debt isnt as old as we thought.

i have attached all the letters in pdf format.

capitalone.pdf

Looks ok to me sadly

Quite a few £12 fees their total them up

18 x 12 = £216 am i missing something? am i still to believe to pay them nothing until i get a letter of claim? its taken them 5 months to supply their documentation, what happened to 10 days + 2?

https://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

try using the cisheet or the foscisheet.

put in each charge on the date it was levied

set the claim from date as the date f the 1st charge

set the claim to date as 13/11/2013

enter their ang int rate in cell d15 35.9%

………..

take the total from the above sheet

and using the statint sheet

enter that figure as a whole amount on 14/11/2013

what do you get now?

sorry to drag this old chestnut up again.

my wife has received quite a few letters recently.

all the letters have been sent to her previous address even though they have our current address.

luckily, we know the new tenants who are living at her old address so they are forwarding them on.

just as a bit of a recap of this issue,

a cca request was sent to them on 4th july 2018,

they sent an acknowledgment letter back to our current address on 11th july 2018.

they claimed to have 40 days to prove the debt, not 10 + 2.

they did eventually supply the paperwork that implied that the last payment on the account was on 5th september 2013.

this was received by us on 27th november 2018, over 4 months later!

the latest letter from them is headed pre-legal assessment and they are threatening to escalate to the county court and get a ccj against my wife.

this has my wife really worried and is adding further stress at a difficult time for her.

where do we stand?

they didnt supply the documentation to us by either the 10 + 2 or the 40 days.

we are fed up with the constant threats.

why are they now sending all letters to her previous address even though they have sent letters to our current address?

i assume all the activity is due to the closeness of the debt becoming statute barred

if the letter is not titled 'letter of/before action/claim'

and is NOT from a solicitor

then let them carry on.

if its not an LBA..

get you wife to read it CAREFULLY... nowhere are they using the word WILL.

if but maybe instructed could

anything but WILL

and if they still havent supplied the compliant CCA response, then they wont get anywhere in court.

Proof theyre trying to bluff you is the fact they said they had 40 days, not 12+2. They know exactly what theyre doing, so dont let them try and say it was an error.