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JnrLebowski

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About JnrLebowski

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  1. I'm impressed! You learn something new every day, well most days anyway!
  2. Thanks ODC. I'll send that letter if they persist, which I'm guessing they probably will
  3. Thanks, I thought it may have meant 'certified copy' or something
  4. Thanks babybear, sorry if I'm being dumb but what's a cc? Should I modify the first letter I sent and add a section saying I'll only deal with one DCA? Lebowski
  5. Hi All, I sent off the Statute barred letter, recorded delivery, unsigned, and received a letter back from Lowell Financial this time (the first letter was from Lowell Portfolio). It doesn't acknowledge the letter I sent to them - I sent it to Enterprise House, 1 Apex View because the address they told me to respond to was a PO Box. The letter reads: "Dear Mr Lebowski We have been instructed by our client Lowell Portfolio I Ltd to write to you in connection with your outstanding balance as described above. Our objective is to help both you and our client find a solution
  6. Thanks a lot for all your help guys. I'll send the Scottish statute barred letter today
  7. Hi again, I'm fairly confident that it has been over five years since a payment was made but I'm wondering if there is some way I can find out for certain. Can I check my credit history to find out when I first defaulted? If so, what websites/companies would you recommend? Many thanks, Lebowski p.s. How is your case going, Strand?
  8. Thanks tupty, is there a template letter for 'ded of assignment'? should I just send the letter starting, "Dear Idiots I would point out that under The Prescription and Limitation (Scotland) Act 1973 Part 1 Section 6 "If, after the appropriate date, an obligation to which this section applies has subsided for a continuous period of 5 years:..." or do I need a ded of assignment letter first. Sorry if I'm sounding a bit clueless but I'd like to follow the best procedure. Many thanks all
  9. By the way, do I need to send a 'prove it' letter first? In the letter Lowell wrote: "I write to inform you that your Barclaycard account, reference number...bleh bleh bleh... has been sold to Lowell Portfolio I Ltd on XX/XX/2005. Lowell Financial Ltd have been appointed as duly authorised collection agents for recovery of the outstanding balance..." I've printed out the letter (unsigned) that Strand08 provided but am just wondering if there is anything else I should send first. Thanks again
  10. Thanks, Fighting-Fit. I'll get it sent off tomorrow and keep you posted. Cheers
  11. Thank you strand and babybear, I really appreciate it. Should I just copy and paste that text? Do I need to write anything else like, "I do not acknowledge the debt"? They haven't threatened me with court action yet. Should I wait for them to send me more threatening letters? Many thanks in advance, Lebowski
  12. Regarding sending letter M, where it says: "We would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” should I change where it says 'six years' to 'five years' because I am in Scotland or is the law different? Thanks again
  13. Thanks guys. I'll get that letter off to them. I've been in Scotland for just over a year and I'm not sure when the last payment was made. I think the last one I made would have been in around May 2003. Thanks again. I'll keep you updated
  14. Hi all, I've just received a letter from Lowell Portfolio I regarding a debt to Barclaycard. I have been out of the country since 2003 and while I was away I was sending money back to my, now ex, girlfriend who was supposed to be paying off my monthly payments (credit card and finance for something bought on HP). I returned to UK and now live in Scotland. A few months ago I received a letter from a local debt agency saying I owe £XX, FINAL DEMAND etc. I gave them a call and assumed my ex had obviously forgotten to pay my monthly HP as the amount was the same as when I left UK so
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