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Lowell and Red Debt ... again


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Hi Just thought i would start this thread as i appear to have become a victim of our friends, The Lowell and Red Debt family.

 

2 weeks ago i received a letter from Lowell asking me to contact them regarding an address that i used to live at 11 years ago, i contacted them and started a conversation with operative, he told me that i have an oustanding balance of £536.49 on a Barclaycard i had over 11 years ago, (aug 1997 to be exact), and how and when i was going to pay.

 

I didn't know for sure about the six year rule, but upon talking to the operative he told me that they cannot take me to court OR put a default on my credit score for the outstanding amount. I told him that i was in severe financial diffuculties at that time and that i wrote to Barclaycard in 1997 to ask them to clear the amount and wipe my slate clean. He told me that he would have a word with his supervisor and contact me the following day to discuss the matter further. I heared nothing for a week then yesterday another letter appeared saying that the matter was now passed on to Red Debt Collection as agents to recover the outstanding balance.

 

Seeing that i heared nothing from Barclaycard I assumed that they had written off the debt. I have read a few cases on here that sound the same, so i have copied the 6 year rule template letter from here and posted it 1st class recorded delivery today (Fri 18th Jan 08),

 

can anybody answer a few questions

 

1. What happens next?

 

2. Is the time scale 12 working days before they default?

 

3. Has anyone had a debt written off or cleared by Lowell or Red?

 

4. Can non payment affect my credit score?

 

5. Can they take me to court .... and lastly

 

6. Can they come and remove items from my house

 

sorry it's a bit long winded

 

thanks adey1

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Hi, and welcome

 

It sounds as if it is definitely statute barred. If there has been no payment made or acknowledgement of the debt for six years then they can do nothing at all. Your statute barred letter should get rid of them without you having to do anything else.

 

I can't believe they are chasing such a small amount from so long ago - they are really trying it on.

  • Haha 1

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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And I have managed to ditch two debts that were sold to Lowells on the basis that they had no agreements to enforce them. They even sent me a farewell letter;). They seem to specialise in unenforceable and statute barred debts and hope to collect something from unenlightened victims along the way.

 

Luckily you have found CAG:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Just to keep you informed and up to date.... and i hope i this section can offer help to others...

 

8th Jan 08

Rec letter from Lowell asking me to contact them as they would like to update their systems (nothing about a outstanding debt!!!)

 

8th Jan 08

Rang Lowell and they started by asking me a few leading questions "can you confirm your date of birth" ... "did you used to live at **** address?" then the bomshell ... "Did you have a Barclaycard?" as soon as i said yes he jumped on me like a tiger on a piece of raw meat !, he said "right there is and outsatnding amount of £539.59 outstanding how would you like to pay it today? .... I told him that i shall be seeking legal advice before i pay a penny and ... that the debt should have been written off by one of these "get out of jail free finance companies in 1997". He told me he would ring me back the following day to confirm what the next step would be .. he never did ring !!! then ..............

 

14th Jan 09

Rec letter from Lowell and informed me that my account had been passed on to Red Debt Collection Services. After looking on various web sites i stumbled over the CAG, i copied letter E from the template letter section and mailed it 1st class recorded delivery on 18th Jan 08, it was posted to the address and signed for on the 19th Jan 08

 

23rd Jan 08

Rec letter from Lowell NOT Red Debt "quote"

 

We thank you for your of the 18th January 2008 and would advise you that your comments have been noted.

 

We would advise you that we have now closed this account and confirm that no further action will be taken.

 

We hope that this course of action meets with your approval and apologise for any invonvenience caused.

 

Yours sincerley

 

Alison Shepherd

 

 

Although Lowell had wiped the slate clean has Red Debt?

 

WATCH THIS SPACE !! (sorry it's long winded!)

 

i have donated £10.00 as a thank you for your wonderful and very very helpful site ...

 

regards adey1

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Although Lowell had wiped the slate clean has Red Debt?

 

WATCH THIS SPACE !! (sorry it's long winded!)

 

i have donated £10.00 as a thank you for your wonderful and very very helpful site ...

 

regards adey1

Lowell is the parent company of Red Debt. Same company different notepaper

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Dear Alison Shepard ......... no it is not f*****g alright ... i have lost nearly 2 weeks sleep thinking about your letters, have countless arguments with my wife over your ****ty letters and threats, in FRONT of my 3 year old ....., had my wife f*****g terrified to answer the phone or the door in case it's Red Debt with the baliffs .... and you even fiddled with my Equifax report saying that i have "agreed to pay" in Dec 2003 when i was not even at that address .......... then you "apologise for any inconvenience caused"....

 

don't think so ...

 

we need to take some form of action or make it law that once a debt is over 6 years old ... it cannot be chased ... in my case should Lowell not be fined for the money i owe and give it to me ????

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