tipo808
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Everything posted by tipo808
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I have my CRA file, I have an account with experian and there are no debts on there absolutely nothing? Would this be the same for equifax? Should they relect each other over the past 6 years history when it comes to defaults etc or CCJs?
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Hi All, Just received a letter from Clarity chasing an old, must be now 7 year old debt. I have had no contact from the original creditor or any other DCA regarding this old credit card debt until now. They are asking for a final single payment of 2k less than the amount which I don't remember it being so much at the time, must be all the interest, or settlement repayment plan, which I do not intend on paying anything as I am sure its SB. I have just successfully got Lowells of my back with the help of CAG members only to get a letter out of the blue 3 days later from this different DCA. Do DCAs pass information onto other DCAs or is this just coincidence? My credit file is clear with experian but I have not checked equifax, so should they be the same after 6 years? Can a CCJ be on experian and not on equifax? Any advice on how 'Clarity' work and do they work under different names like Lowell/Red etc? And what would you advise on my next step? Thanks in advance.
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Hi CB, BRIG, I sent two recorded deliveries to Lowells and Red as advised above. Just received a letter from Lowell Portfolio 1 stating they have reviewed my account and the Limitations Act 1980 now applies and will no longer be asking for payment. They also state they will no longer be sending anymore letters and have closed my account. I owe £0.00 Thankyou all very much, who have replied to my questions with your expert advice especially CB and BRIG I have also made a small donation via paypal I hope it finds you both. Just one last question, can they sell on a SB debt and I will have to do all the sending letters again and again? Thanks again
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Ok, thanks for that CB.
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Thanks, and Red is exactly the same?
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Could anybody confirm the postal address for Red and Lowells?
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Ok, thanks Brig and CB, I will send the next letter as advised and see what happens.
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Ok, I drafted and posted a letter based on Brigadier2JCS as above, this was sent recorded delivery last week, which I have proof of delivery. I have just received another letter from Red which states 'you must pay this debt' and I have not taken them up on the generous discount or arrange payment offer. They say they will be sending my account onto a field agent and goes on to say 'make us an offer what I can afford', lump sum or monthly payment. They also say if I do not arrange anything they will send my account to an agent who will arrange to visit my home to negotiate settlement. There is no reference to the letter I sent them at all. Do they choose to ignore any letters I send them even though it was recorded and will they just continue sending their begging letters? Any further advise on what steps to make would be much appreciated, thanks.
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If I did have a CCJ recorded against me that I am unaware of, would this make the debt not statute barred, even though its over 6 years old.
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How do I know if I have a CCJ against me? There is nothing on my credit file regarding any CCJ's and are they void after 6 years?
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I decided to wait for the next letter from Red/Lowells as I was curious what they would put in their letter next. Just got their next letter which they state they have passed it over to their special recoveries team. They also can suddenly offer me to pay 50% discount on the balance and I have 10 days to arrange payment or they will send around a 'liscensed field agent' (will he have a gun?) to my home to discuss payment. I have read on this forum somewhere that Lowells do not do 'doorstepping' is that true? I will be sending the SB letter as advised earlier in this thread, just wondered if anybody had any comments on this and if I just keep ignoring the letters what would could they do?
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I am not sure what the default date actually is, as its not on my credit report.
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Ok, thank you BRIGADIER2JCS, CitizenB, sequenci for all your advice. Just one last question, Lowells have also been searching my credit file, can they keep doing that after 6 years? They have obviously bought the debt and with it the right to search my credit file but how long for? How can I stop them keep searching my credit file?
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Ok, thank you for all your advice. The only thing I am concerned about is when the limitation clock started ticking and they have not some how brought it forward? The last payment/acknowlegment/contact was early 2006 around April/May and its not my credit file. So it must be SB. Thanks for all the advice, I will draft a letter and keep you updated.
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Ok, thanks for the quick response. Which letter would I need to send to them? I do need to sign it and send it recorded delivery? Is there any advise you can give me when sending the letter?
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Hi, I have just received a second letter from Red debt collection agency for an old debt of which must be nearly 7 years old. These are the only 2 letters I have received from them. I have checked my credit file and their is nothing on it, there is no debt on there. Also, I have had no contact from the original creditors or lowells since I defaulted on this credit card debt back in april/may 2006 and not paid anything since. I am pretty sure this debt is statute barred. They state they are 'passing this account to their Special Recoveries Team' to recover the money. How do I know that the debt is SB for sure and what advise can anybody give for me to take next. Lowells have also been searching my credit file, can they keep doing that after 6 years? Thanks in advance. tipo808
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