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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
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Red debt collection - barclaycard, fighting me!


Piercy75
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Hello all,

 

Brand new here but need some further advice. Basically Red/Lowells have wrote to me ((I know you've heard it all before)) but I thought I'd go it alone in writing to them and taking them on. Basically Lowells wrote to me initially for a Barclaycard Debt dating back to 2003 for £690. I ignored it at first but then another letter came from Red Debt Collection Services demanding the amount. From reading your threads etc I wrote to them RECORDED DELIVERY on the 15th December 2010 with the following:

 

 

I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

 

Acc/Ref No: XXXXXXXX

 

 

Dear Sir/Madam

Account No: XXXXXXXX

 

Thank you for your letter dated 09/12/2010, the contents of which are noted.

 

I also note that "Red Collections" is simply a "trading style" of Lowell Portfolio LTD. Therefore your claim to be acting on behalf of Lowell Portfolio LTD is spurious, as you are clearly one and the same company.

 

I would point out that under the Limitation Act 1980 Section 5:

“An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued”.

 

I we would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that:

“It is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

 

The last correspondence/payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that:

“Continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

 

In particular the OFT has recently stated that:

 

The Consumer Credit Act 1974 (the Act) requires debt collectors, businesses that offer goods or services on credit and/or are involved in activities relating to credit or hire to be licensed by the OFT. Following implementation of the OFT's new powers under the Consumer Credit Act 2006 on 6 April 2008, the companies could also have specific 'requirements' imposed on them by the OFT. If such a requirement was not complied with, the business concerned could be subject to a financial penalty of up to £50,000. The OFT can also refuse or revoke a licence if it decides that a trader is not fit to hold one. The OFT can take into account any circumstances which appear to be relevant when considering the fitness of an applicant or licensee, including evidence that the company has contravened the Data Protection Act 1988.

Therefore I wish to formally notify you that unless I receive confirmation that this matter is now closed, then I will not hesitate to make a formal complaint to the 'Office of Fair Trading' and also to 'Trading Standards'.

 

Furthermore, any attempted contact (other than to confirm that this matter is now closed) by any:

• "trading style" of the Lowell Group (including Hamptons Legal)

• constituent member of the Lowell Group (including Hamptons Legal)

• a third party acting on your behalf

• a third party that claims to have been legally assigned this alleged debt

will result in an immediate complaint to the aforementioned regulatory bodies.

 

Also please note that any legal action you may consider will be FULLY and VIGOROUSLY defended, and you will be put to a strict proof of the alleged debt and any payment or acknowledgement that you claim within the relevant limitation period.

 

Furthermore, you may consider this letter a FORMAL COMPLAINT under the complaint procedures set out by the Financial Ombudsman. If you wish to correspond with myself with any other purpose than to confirm that this matter is now closed, then I require you to supply me with a written copy of your complaints procedure and a "final response" that I may forward to the Financial Ombudsman with my complaint.

 

This COMPLAINT is NOT going to go away and ignoring this problem could potentially make your situation worse. I therefore strongly recommend that you send written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

 

I would appreciate your due diligence in this matter.

MR X XXXXXX

 

.......... Ok, so I thought that was the end of it... BUT NO! They have wrote back to me with the following:

 

13th January 2011

 

Dear Mr XXXXXX

 

OUR REF: XXXXXXXX

ORIGINAL CREDITOR: Barclaycard

BALANCE: £690

 

Thank you for your letter, concerning the above account.

 

Your account is not legally unenforceable under the Limitation Act 1980 on the basis that a default notice was served on you by Barclaycard on the 13th October 2005

 

Section 5 of the Act mentioned says that following the date when a cause of action arose for payment of the debt, any creditor such as Lowell Portfolio 1 Ltd has a period of six years to enforce such a right to payment.

 

The date of the default notice is when the debt in this matter became due for payment in full and the period from which Lowell Portfolio 1 Ltd has to enforce their right to payment in the absence of any payments or written acknowledgements being made by you in between this date.

 

We trust this now resolves your query and look forward to hearing from you to discuss repayment. If we have not had contact from you in the next 14 days, your account will transferred to our Debt Collection Agent; Lowell Financial who will contact you regarding this account.

 

Regards, RED DEBT COLLECTION SERVICES

 

........... Ok, so what the hell am I to do now? I have checked all my credit files and Im a member of Experia, Equifax and Call Credit. No defaults or even the previous address of where the debt was originally at!!! Everything 100% satisfactory!! I have wrote a reply which I am sending Red Debt tomorrow morning which reads as follows:

 

I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

 

Acc/Ref No: XXXXXXXX

17th JANUARY 2011

Dear Sir/Madam

 

Re:− XXXXXXXX

Thank you for your letter dated 13/01/2011, the contents of which are noted.

 

I also note AGAIN that "Red Collections" is simply a "trading style" of Lowell Portfolio LTD. Therefore your claim to be acting on behalf of Lowell Portfolio LTD is spurious, as you are clearly one and the same company.

 

You state in your later dated 13th January 2011 that account: XXXXXXXX is not legally unenforceable under the Limitation Act 1980 on the basis that a default notice was served on the 13th October 2005. Again this is another spurious claim and DEMAND THAT YOU PROVIDE PROOF of such information as defined under the Consumer Credit Act 1974.

I would like to point out that under the OFT’s Debt Collecting Guidlines July 2003 (Updated April 2008) you are clearly using Deceptive/Unfair methods to retrieve said debt! This is explicitly confirmed in Section 2.7 and 2.8 a) , and k)

2.7 Dealings with debtors are not to be deceitful and/or unfair.

2.8 Examples of unfair practices are as follows:

a). sending demands for payment to an individual when it is uncertain that

they are the debtor in question, for example, threatening debt recovery

action to 'the occupier' or sending a payment demand to all people sharing

the same name/date of birth as a debtor in the hope that contact with the

correct debtor will be made

 

k). not ceasing collection activity whilst investigating a reasonably queried or

disputed debt.

 

This letter therefore is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement & default relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

The onus is on YOU to prove this debt is indeed enforceable! Therefore I wish to formally notify you AGAIN that unless I receive proof of alleged debt or that this matter is closed; then I will not hesitate to make a formal complaint to the 'Office of Fair Trading' and also to 'Trading Standards'.

 

Furthermore, any attempted contact (other than to prove the debt is enforceable to myself or that the matter is now closed ) by any:

• "trading style" of the Lowell Group (including Hamptons Legal)

• constituent member of the Lowell Group (including Hamptons Legal)

• a third party acting on your behalf

• a third party that claims to have been legally assigned this alleged debt

will result in an immediate complaint to the aforementioned regulatory bodies.

 

Also please note that any legal action you may consider will be FULLY and VIGOROUSLY defended, and you will be put to a strict proof of the alleged debt and any payment or acknowledgement that you claim within the relevant limitation period.

I await your response.

 

MR XXXXXXXX

............................................................

 

Could anyone tell me what kind of action is likely to occur? I'm fighting them the best I can but Im worried they're gonna do their best to nail me... PLEASE HELP FOLKS!!! X

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Frist off all, Piercy. Well done for taking the first step, and requesting a CCA.

 

For now i would wait out the 12+2 days, and if you receive no response then they'll be in default of the CCA request and they will not beable to enforce or pursue you for payment until they do provide a true copy. Whether what they provide you is enforcable or unenforcable remains to be seen.

 

As for them claiming a default was issue - well sounds like they hadn't, if it's not on your credit file. But either way you have not been served with one (written one), so the default is invalid anyway, and if the debt was sold to Lowell, then with the default being invalid, the account will also have been unlawfully terminated. If you haven't as yet sent the letter, i would add a request for a copy of the termination notice and notice of (absolute) assignment to it.

 

Also i recommend doing a SAR to the original creditor to see what documents they hold on you too.

Edited by teaboy2
spelling

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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Hi teaboy 2! Thanks for your input as its REALLY APPECIATED!! I've not sent the letter yet but will be doing tomorrow. I'm going to add the part about a copy of the termination notice and notice of (absolute) assignment. Do you know what Red Debt Collectors are like for digging out the Credit Agreements/Paperwork etc? I've heard they're useless but will no doubt come up with some excuse thus to nail me!

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Yeah, to put it bluntly.... there pretty s**t at it lol

 

And when they do send you a CCA its not worth the papers it written on, and only good for recycled toilet paper alot of the time.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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In fact i think it was lowell and red that were chasing me for a 3g contract when i never had on. their excuse for not providing me with a copy of the contract when i requested it as prove the contract was mine, was; "As it is a mobile phone contract we do not need to provide you with a copy of the contract as prove the contract was yours. Simply by putting the sim card into the phone and using it is acceptence of any terms of contract and prove the contract was yours." Yeah i still can't work that one out myself lol

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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Well like you said mate, Im hoping they are sh** when it comes to digging out the CCA as it was originally a Credit Card debt. Do they really think that by saying a Default was issued ((never shown on any of my credit files)) within the 6 years that Im just going to say "YOU WIN RED/LOWELL!" "OK, HOW MUCH DO I OWE YOU?" ... I'd bet they knowingly break all the rules in the hope nobody squares up to them, disgusting!

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Yep thats exactly what they do, they do it in the hope people do not know their legal rights. Which unfortunately a lot of people dont. Still just wait till they start calling you and giving you abuse and threats etc, thats the funniest bit listen to them pretend they are hard. Soon shut up though when i said ill be calling in their office as am in leeds later in the week, and ill ask for them specifically just to see them say it to my face, the poor little bugger hung up before i could get in my counter theat of knocking his bloack off lol.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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Whoa, step back a little!

 

What evidence/facts do you have for the date you last made a payment or acknowledged the account? Have you checked your own bank account, or do you have a record of your last payment date?

 

You are right that Red’s understanding of the date from which the SB clock starts ticking is totally wrong – the default date recorded by Barclaycard is NOT the date of “cause of action”. However, Barclays would normally record a default with the CRAs within three months of your last payment.

 

Note also that the date a default was registered with a CRA has absolutely no connection to the date of issue of a default notice by Barclaycard.

 

As the debt appears to have been sold, a default from Barclaycard would no longer show with the CRAs. Lowell would now be responsible for recording the default, so that is a complete red herring. The fact that the default date is not recorded does not mean it did not happen.

 

Have you ever received a notice of assignment from Lowell?

 

The key to this is the date on which you last made an actual payment to the account, or when you last acknowledged the debt in writing. The “cause of action” accrued properly when you last MISSED a scheduled payment.

 

Be careful of getting so gung ho with your letters – stick to the facts, and know what the facts are first!

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Agree with DonkeyB. Keep it simple. Lowells/Red have to provide you with information so that your are informed of your correct postion. If they fail to provide the CCA within the required time, just put the account in dispute and request the information you are entitled to have including a statement from Barclaycard showing the date of last payment and default notice.

 

I wouldn't bother to send them a long winded letter as I doubt they will read it.

 

My experience of Lowells is that they don't often have a full understanding of the account they are dealing with and they will just bluster their way through hoping you either admit to the debt in writing or make a payment.

We could do with some help from you.

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Hi all, I have had no correspondence with Barclaycard themselves since early 2004, after that I moved abroad to the US ((woman)) and came back to the UK in August 2008. The letter from Lowell and then Red came out of the blue in November/December 2010. I have not made a payment to Barclaycard since around February 2004. To send a default in October 2005 is beyond me!?!??! Thats nearly 2 years after I made a payment to Barclaycard. Irrespective of that, waaaaaay over 6 years has gone by since I acknowledged this and Lowell/Red must know this. They even have my name the wrong way round for starters!?!?! Although I did see an unrecorded enquiry from them on my Experian Credit File in October 2010 which would explain how they wrote to me BUT the address which my Barclaycard was registered to is NOT on my files with any of the agencies so I'm guessing that Lowell/Red are hoping I cough up!! Im taking your advice and sending the CCA request and see how that pans out... How long until they have to produce it? Is it 12+2 days from the date of my letter ((which Im sending in the morning))....???

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Exactly. First of all be completely sure of your facts re the SB status though, because if you have made a mistake in your timings you have effectively admitted the debt by claiming it as SB.

 

My concern is that Barclaycard supposedly issued a default to the CRAs in October 2005 – I find this unlikely if your last payments were in February 2004. Barclaycard would not wait this long to record the default. So, if you want to cause trouble for Lowells, you could SAR Barclaycard to get the actual date a default was recorded – NOT the date they may have sent a DN – and if it was earlier than Lowells claim, and proves the account is SB, they would be telling a blatant lie and misrepresenting the true situation. That kind of underhand dealing would greatly interest the OFT.

 

Remember, it is Lowell who are now responsible for recording the default – maybe the reason it does not show with the CRAs is because they know damn well it is past the six year limit for recording.

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Hi DonkeyB, I have always started a letter with "I DO NOT ACKNOWLEDGE THE DEBT", however though isn't the onus on them to prove that this debt is mine?? They word their letters so cleverly that they make you want to give up fighting it.... Can Lowells stick a default on my credit files even though the debt as they claim goes back to 13th October 2005? It would expire by October 13th this year anyway....

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Why are you putting that at the top of these letters? Are you denying that you had this Barclaycard? That’s the kind of thing you put if you don’t know what the account is about.

 

How can you deny a debt then claim it is SB? That is clear evidence that you know exactly what it is about.

 

If it was GENUINELY defaulted in October 2005 (ie. Barclaycard added the default within three months of your last payment), they can continue to show a default up until October 2011. Lowell would now be recording the default. But as mentioned previously, if you are accurate in your recollection of your schedule of payments and have not acknowledged the account since 2004, then I would suggest Lowell are ‘mistaken’ in their record of when Barclaycard applied the default via the CRAs.

 

If you read back, you’ll note that I suggested an SAR to Barclaycard could uncover when the default was truly recorded for the first time, and when you last made a payment. If it took Barclaycard over a year to register a default with the CRAs, then Barclaycard are at fault and you have cause for complaint, but the debt would remain SB.

 

I strongly suggest you double check your own financial records to be absolutely sure of the last date a payment was made.

 

Even a call to Barclaycard on Monday may get the CRA default date as well as the last date of a payment (the latter being the important date).

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I agree with DB, slowly slowly catchy monkey. Just follow due process with the standard letters and procedures advised on here. You won't solve this problem completely over night, just get the wheels in motion.

 

Get the results from your SAR request and then you can pick the bones out of it.

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I have had barclaycard place two defaults on my record in past

 

last payment made in December in one case, January in the other

 

in both cases the defaults were entered on the last working day of July, at least 6 months after the missed payments, with the corresponding 1-2-3-4-5-6 on the payment history.

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That’s out of order. That would be worth a complaint. They are obliged to post defaults within a reasonable timeframe. However, I think there are only guidelines on this – will try and see if there are any OFT directives.

 

Otherwise, lenders would NEVER issue a default – because then, according to the Lowell theory of how SB works, a debt would never become SB if the date of default is the key!

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hello I am in the same boat with lowells - the latest is that I asked them for a sar - they replied as follows " we would like to clarify that the data you will be provided with will only relate to the original account purchase details & the subsequent info held by our company from our dealings with you." they go on to say "it will not include information held on the account by barclaycard prior to the sale of the account" they then say i should pay another fee to barclaycard. Should i do this next? lowells say i defaulted in june 2008 - but i think more like thats when they bought it. I thought when they bought debts they then should be able provide u with all the details of the account. they are driving me up the wall but I dont want to pay a debt thats statute barred & now they are threatening ccj.

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