Lowell Group after me for debt from back in 2007 !!

[BRIGADIER2JCS]

Agreed they do this to make you think the account has been passed to a ''higher authority''.

[Mady]

Hi again guys,

 

Thanks again for your kind advise.

 

I received a letter from Scotcall today talking about home visits! slightly worried as I never been in this position before! any ideas where this going to end? I have a year to go till the Debt becomes barred (6 years)

 

Any ideas?

 

Thanks

[mikeymack2002]

Since a mobile contract is a service agreement different rules apply, send them the prove it letter 1st, see what they say, then let us know again, the letter is in the library

[mikeymack2002]

ps when was your last payment/acknowledgement if not since 2007 then its close to being stat barred

[Bazooka Boo]

Ignore snotcall, send them nothing.

 

If any random stranger does turn up on your private property then you can simply laugh at them and tell them to clear off or you'll call the police.

 

They are debt collectors, they have exactly zero legal powers to be going around knocking on peoples doors, so don't be worried, keep a camera by the front door too, and take their mug shot, laugh then slam the door in their face.

[Mady]

ps when was your last payment/acknowledgement if not since 2007 then its close to being stat barred

Hi Mikey,

 

I am actually a bit confused if the 6 years kicks from the date of the default (13/12/2007) or last payment i made to T-mobile 19/05/2007?! which one of the two dates?

 

I have sent few letters out to lowell offering them F&F and i believe i didn't acknowledge the debt.

Kindly let me know guy so I can prepare myself

[dx100uk]

it is your last financial 'use' of the account

 

have you ever had any discount letters?

 

if so, safe to ignore

 

dx

[Mady]

it is your last financial 'use' of the account

 

have you ever had any discount letters?

 

if so, safe to ignore

 

dx

 

What you mean?

 

I last use the mobile until May 2007 before they cut the line! I received letteres from lowell asking for setting up DD & I replied with F&F letters every time.

 

Last bill payment was in April 2007.

 

kindly advise.

 

Thanks

[dx100uk]

urm part of my msg missing.......

 

SB is from last use of the account so in your case payment.

 

IMHO i would be ignoring lowlife

 

have you ever had any discount letters?

 

dx

[Mady]

urm part of my msg missing.......

 

SB is from last use of the account so in your case payment.

 

IMHO i would be ignoring lowlife

 

have you ever had any discount letters?

 

dx

 

Yes 2 offering 15% discount!

[dx100uk]

safe to ignore me thinks

 

dx

[unclebulgaria67]

Hi Mikey,

 

I am actually a bit confused if the 6 years kicks from the date of the default (13/12/2007) or last payment i made to T-mobile 19/05/2007?! which one of the two dates?

 

I have sent few letters out to lowell offering them F&F and i believe i didn't acknowledge the debt.

Kindly let me know guy so I can prepare myself

 

It will be statute barred from the point where you did not pay the amount due. If you made a payment on 19/5/007, I am guessing this was payment for the April statement. You then defaulted on the May statement and therefore I would think the account would be statute barred sometime in June 2013.

 

So it is up to you what you do. The default date is wrong on your credit record, if it is showing as 13/12/07. Once you start sending letters to Lowells or other DCA's, it does mean that they will spend more time researching your account and in my opinion there is more chance they would take enforcement action.

 

Are you happy that there is a debt and with the amount ? If not then you should think about making a complaint to T-Mobile and to help with this perhaps send them an SAR.

[Mady]

Ok guys,

 

I just went through my info I have, I requested a SAR back in 2010 already and the bill was just over 1K (call made from abroad that's why such a high bill!!) and of course T-mobile/lowell had to add around 275 to cancel the contract!

 

Just reliased that the exact last payment was made on 15th March 2007, when I requested a SAR from T-mobile it came with all the bills and memo records which shows that they sold the debt to lowell on 24/03/2007 and they suspended the account on 27/03/2007.

 

so what SB date exactly? and what letter to send to them when SB is on?

 

thank you ever so much guys

[dx100uk]

15/4/7 about

 

i'd sit tight

 

 

did you say you've had discount letters?

 

dx

[Mady]

yes twice offering 15% off but just ignored them. what does that got to do with it?

[unclebulgaria67]

I would go by the last date of payment 15/3/07, as you already appear to be in arrears by then, hence them selling the debt so quickly to Lowell. So SB date would be 16/3/13. Strange that the account was not suspended until after they had sold the account on to Lowells. Think the suspension date is probably wrong.

 

So if you are going to sit this out until the debt is SB, then respond with the SB letter in regard to any debt collection letters received from April 2013 onwards

 

http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

[Mady]

I would go by the last date of payment 15/3/07, as you already appear to be in arrears by then, hence them selling the debt so quickly to Lowell. So SB date would be 16/3/13. Strange that the account was not suspended until after they had sold the account on to Lowells. Think the suspension date is probably wrong.

 

So if you are going to sit this out until the debt is SB, then respond with the SB letter in regard to any debt collection letters received from April 2013 onwards

 

http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

Yes I found that strange too, would they remove it from my credit records after I send them the SB letter? or do i have to send a different letter to Experian asking them to remove the default?

[dx100uk]

yes twice offering 15% off but just ignored them. what does that got to do with it?

 

 

means there is something up with the debt

 

another good pointer for you

 

dx

[Mady]

means there is something up with the debt

 

another good pointer for you

 

dx

 

I am sorry but I am bit thick what you mean by "means there is something up with the debt"?

 

do you mean because soon will SB that's why they offering the discount?

[unclebulgaria67]

Yes I found that strange too, would they remove it from my credit records after I send them the SB letter? or do i have to send a different letter to Experian asking them to remove the default?

 

Once the debt is clearly statute barred, then raise a complaint about the default date being wrong. You could do this via Experian or with the DCA compliance department that is dealing with the debt. If you contact Experian, they will raise a query with the debt owner, so you could do it that way.

[dx100uk]

I am sorry but I am bit thick what you mean by "means there is something up with the debt"?

 

do you mean because soon will SB that's why they offering the discount?

 

could be that

 

or they know its not a viable court case

 

typically though they dont offer discounts on almost sb debts.

 

should be in the sar if you look hard

 

PENALTY charges?

 

dx

[Mady]

I would go by the last date of payment 15/3/07, as you already appear to be in arrears by then

 

I wasn't in Arrears when I made the payment on 15/03/2007 its the few days between the payment and when they sold the debt. ( my grandad passed away I had to make phone calls on my way to Trinidad and from there) I used my phone a lot in that small period!

[Mady]

the discount letters were about 2 years ago when I offered F&F but I didn't knowledge the debt when I made the F&F.

[Mady]

could be that

 

or they know its not a viable court case

 

typically though they dont offer discounts on almost sb debts.

 

should be in the sar if you look hard

 

PENALTY charges?

 

dx

 

No Pens

[unclebulgaria67]

I wasn't in Arrears when I made the payment on 15/03/2007 its the few days between the payment and when they sold the debt. ( my grandad passed away I had to make phone calls on my way to Trinidad and from there) I used my phone a lot in that small period!

 

I think some of your dates may be wrong. I doubt that Lowell bought this debt in March 07, so near to your last payment to T-Mobile, when there was not a period of arrears. Also it is really odd for T-Mobile to terminate the account within 2 weeks of your last payment.

 

Suggest that you have a look through the paperwork again.