This relates to my wife and BW Legal, acting for Lowell who presumably bought debt from Egg.
At the beginning of May she was doorstepped early one morning,
and was handed a document titled a Statutory Demand.
The accompanying letter threatens a Bankruptcy Petition being made.
However, the Demand references an old account and specifies a Default Date of 1 November 2006.
So, following my first visits to this interesting site, I surmise that would be over 6 years and hence Statute Barred.
So we send the standard SB letter to BW Legal.
Their next letter arrives at the end of May, again threatening a Bankruptcy Petition to be lodged in June.
Hmmm, ok send the SB letter again.
Then at the end of June we get a 127page dossier delivered, with a letter advising the last payment as being in December 2007....
.supported by a very fuzzy ‘Your Card Statements’ which do suggest the last payment to have been Dec 07.
To be honest, without going back to our bank of the time we could not confirm that is correct....
Also in the dossier is a letter from Canada Square Operations to Lowell dated June 13 saying they could not locate all the documents which were requested,
other than the statements,
a Notice of Default and
a Notice of Sums in Arrears –
these latter two are not in the dossier.
And again today another letter
‘Without Prejudice’ threatening to start Bankruptcy action in 14 days...
I’d welcome your collective thoughts on the best course.
Just for background,
back in 07/08 we were selling off a reasonable ,profitable property portfolio with the expectation of buying a farm and industrial estate,
but when the finance suddenly evaporated it left us high and dry.
Since 08 my wife has suffered from depression – doctor fully engaged – and has not actually worked for about 2 years now.
Since those very bad times we have been obliged to rent close to where I get work, and I’m afraid we are not doing much better than just about getting by.