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Lowell /Red demand letter help Please


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Hi All I received a letter from Red who are part of the Lowell group today, stating the that Lowell had passed this dept on to them th collect.

its an old debt from cappital one back in 2001/2. it was orignially for £500. but about 3 months ago I recieved a letter out of the blue, telling me i owe the money to lowell. I ignored the letter. I then recieved a phone call from them, my husband answered, and then pasted the phone on to me, I listerned it was a very scarly and horrid call, i set up a payment plan of £80.00 a month, as i was told that the baliffs would come around etc. which we really couldn't afford as i'm not working. Stupid move on my part i know, I checked my experian account to see if i had any credit reference to this owing debt, as there isn't one, i felt robbed. I quickly stopped the next payment.

But by making a payment i have now set back up the debt, haven't I?


In the letter today i was told: that i must now pay £416.00 or face ccj or court baliff. They are also going to make a check on my credit file to review my finacial circumstances. I feel really sick with worry as i don't want my credit affected nor do i want to worry my husband about this as we are really struggling. can any one help please.

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Hi shells

Hard way to learn why it's always said . . never over the phone 'cause they succeeded in scarying you into paying

OK firstly if you paid via Direct Debit or Credit Card you can try to get the money back under their protection system as you were duped into paying

If there's been a clear period of 6yrs whereby no written acknowledgement or payment has been made the SB clock cannot be restarted so if you're sure about it send then SB letter . .



Saddly you've lost £80 but it seems as if they can go whistle for the rest

Good luck


[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:



Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Hi, and welcome, it sounds like you made that payment under 'durress' and as such, hopefully did no harm.


Can you remember when you last made a payment prior to that? If there is a period of 6 years (5 in Scotland) in which no payments were made, then you are 'home free' as the alleged debt would have already been statute barred prior to that one off payment, and even that payment cannot 'undo' Statute Barred Debts.


Take no notice of todays' letter, they think they are on to a good thing.


My advice would be to send the SB letter if you are certain there was a period of 6(5) years with no payments.


If not sure, there is another way to tackle this, and you are certainly not going to see the inside of a Court, let alone baliffs, so do not worry too much.

Every journey begins with a single step :):)


Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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