TSB Debt - lowell/BCW letters after 7yrs - Statute Barred Scotland???

[brokebutnotbeatn]

It sounds like they attributed a CCA fee?

[Revenant]

It sounds like they attributed a CCA fee?

 

 

Hi bbnb

 

This thread goes back through 2009 and there's a big gap between the last post (28 May 09) and today

 

So two points . .

 

NO posts at all in 2010

 

NO mention of a CCA request ever being sent

 

 

So taking things into account it seems that the DCA is trying to pull a fast one

 

R

[poppy111]

Hi all

Thanks for the info kind of uncertain which way to go do i bother asking them for proof that i paid this £1:00 or do i go ahead and make a complaint

to trading standards & OFT. also need to decide soon as i have 14 days from the 1st of august to pay or they are going to court.

[Revenant]

Morning poppy

 

You never mentioned them threatening Court and if you read the letter again I'm sure you'll find it full of IF/MIGHT/MAY/COULD

 

Now think logically, it seems from your post no contact was made during 2010 or at least you don't mention any, why on earth would you make a silly payment of £1 when you're disputing things anyway

 

Just fire off a letter still not acknowledging the debt, remind them that as far as you're concerned it is SB'd and demand that they send absolute proof re the payment claim, the phantom payment ploy is well known

 

Regards

 

R

[poppy111]

Morning R

Of course your right getting a letter done now post it in the morning thanks a lot

[Revenant]

You're welcome

 

Don't spend to much time on the letter and spoil your Sunday

 

R

[cerberusalert]

You're in Scotland aren't you?

 

Even if a payment was made in 2010 it would still be Statute barred under The Prescription and Limitation (Scotland) Act 1973 Part 1 Section 6.

[poppy111]

morning all letter in the post no doubt they will come up with another excuse

[poppy111]

morning guys

After sending off letter asking for proof that i had paid £1:00 to this debt have now received a reply from LP1 thanking me for putting this debt in the hands of a debt management company and once it has been confirmed they have my signed authority to deal with this they will be in touch again.

 

I can,t really believe that so much B******T

can this Company come out with.

 

Are they stalling or should i make a complaint to Trading Standards?

 

and have no more contact with them.

[BRIGADIER2JCS]

Hi, it's the usual rubbish, I would write back

this time as a FORMAL COMPLAINT,

Stating that you require STRICT PROOF OF THE ALLEGED £1 PAYMENT

within 7 days of the date of your letter and do it in the following manner.

 

I require you to prove that this alleged payment was mad and the following detail is required

 

1, The method of payment, Credit/Debit Card/ Cheque/ Postal Oder.

2. In the case of a card payment, the date of payment, the Bank issuing the card, the expiry date of card.

the last 4 digits of the card number.

in the case of a cheque, the cheque No. the Drawers name, the issuing bank, the account no. and sort code.

3. In the case of a OP, the No. of the order, the issuing p office. and the ID of the issuing office.

4. In the case of a bank transfer the details of the drawers name, account No. and the authorisation cod.

 

Without the above proof your claim of payment is formally rejected.

 

PRINT YOUR NAME.

 

Brig.

[poppy111]

Hi

About to send second letter asking for proof of payment. Then wondered if i should also require the details of this alleged Debt management Co

(name, address, post code ect) as this is also another fabricated story by them.

pops

[Revenant]

Why not poppy

 

If they're fabricating a debt against you get as much info from them as you can, all adds to thier demise in the end

 

R

[poppy111]

Second letter on it,s way. wait and see what sort of reply come,s this time

[brokebutnotbeatn]

Ignore. It is SB. you have declined to pay. You are confident you did not pay this alleged £1. If in Scotland it would still be SB'd.

[poppy111]

hello all

Just a final update i hope despite letters stating this debt is statute barred continued to get demands from lowell for payment. Have surprisingly received

a letter on friday the28th from lowell stating due to unforeseen circumstances and as a gesture of goodwill they have decided to close this account and will no longer

seek payment. No answers as to who made the £1 payment or who the Debt management company was that i supposedly contacted Gone on so long now

think i will accept it and put it to bed. Would like to thank everyone who gave advice on how to deal with this situation.

 

Poppy

[BRIGADIER2JCS]

Good result poppy!!!!

Brig.