Lowell chasing Natwest debt defaulted in 2005 - Help

[claireg1977]

:-xHi

 

Can you help?

 

I have recieved a statement from Lowells,

stating I owe money due to an old Natwest Account.

 

This has arrived shortly after a letter arrived from NAtwest

and a letter stating they sold my debt to Lowells on 30/12/2010.

I got the letter 20/10/11.

 

Silly me called Lowells stating I know nothing about this .

 

They told me the account was opened in October 2002, and defaulted in dec 2005.

 

I never got any letter from Natwest chasing me and I think this has been sparked

cos I opened a joint account with the recently.

 

However I did state that I had another natwest account which isnt in debt

so why would I have this, and they gave me a loan which I never defaulted on

and the details they provided me with is not even my sort code.

 

I told them I will deal with them no further until they have produced a credit agreement

and not one they will cobble together, with my signature on it, and until then they write only.

 

but the 6 years is almost up so Im lost what to do?

[citizenB]

If the 6 years is up since you either acknowledge or paid and it isn't showing on your credit records it is more than likely statute barred and Lowells are trying it on.

 

There is a statute barred letter in the CAG library if you feel you need to respond. Otherwise, just let Lowell prove that it isn't ?

Edited October 24, 2011 by citizenB
duplicated posts merged

[claireg1977]

Thanks I called them today and denied everything like i dunno wht your talking bout esp since the time scale and asked for proof.....but was just panicking maybe I should just ride it out/

[silverfox1961]

Thread moved and duplicate post removed

[claireg1977]

Hi,

 

Can anyone help me on this I received this email today... no idea what it is for. The only possible debt would have been over 7 years old to which I never acknowledged. Or is this spam? - It did have my full name on this

 

Dear Miss ,

 

We hold this e-mail address on your file and would like to use it to communicate with you - we work closely with our customers to ensure that they are given the support that they need to find the right solution for them and we would like to speak with you today.

 

Please contact us on 0113 308 6085 to see how we can help you or if you would prefer that we didn't e-mail you at this address - please quote 96481541 when calling.

 

Yours sincerely,

 

James Crabtree

 

Customer Services Manager

 

Lowell Financial Ltd

[ims21]

Thread moved to the Debt Collection forum.

 

I have to say, if it were me I would ignore e-mails and wait for something concrete to arrive by post.

[ims21]

Is this to do with your old Natwest/Lowell thread?

[claireg1977]

Is this to do with your old Natwest/Lowell thread?

 

 

 

Yes it is.... I thought I resolved this..

[ims21]

Two threads merged

[ims21]

Did you ever send of the SB letter that was suggested by citizenB over two years ago?

[oleg]

Never respond to emails from Lowell [or any DCA for that matter]: you would only regret it.

BLOCK them.

[claireg1977]

Did you ever send of the SB letter that was suggested by citizenB over two years ago?

 

No I didn't send an SB. I have never acknowledged this was my debt so since it's now 9 years old (nearly) is it SB from 2005 or when it was sold in 2010

 

I have just dug out all of the info. bascially It was left with the DCA via telephone that I have no knowledge of this debt, I already have a natwest account & that you sending me a bank statement referring to this debt does not constitute as belonging to me.

 

The woman of the phone said at the time I am sorry for the confusion we will remove you from this file.

 

Now I received the email today

Edited March 14, 2014 by claireg1977
information missing

[ims21]

Ok so if this e-mail is to do with the old NatWest account I would wait until you get something by way of proper post and then send them the SB letter.

[claireg1977]

Cheers,

 

Is it worth reporting them to OFT

[ims21]

Cheers,

 

Is it worth reporting them to OFT

 

For what?

[claireg1977]

harassment?

 

I will wait to see if my address had been removed (as maybe my email is all they have - dunno how) & then send SB.

 

Thanks

[ims21]

Sorry, I can't see any harassment here at the moment.

[intend]

ignore til you find out what it refers to - if it is the old debt then yes SB letter, if something different then post up details.

[claireg1977]

I think the reason I have received the email today is:

 

Yes it is the debt they tried chasing in 2011, there was a bank statement they sent when I stated I had no knowledge of this debt... I found this out today along with their previous letters (by post)

 

on bnk statement: There was a default fee applied by bank in 2005. However they carried on with this until 22/04/2008 (where it states BAL transferred to BDD FINCON £0 OD). However this bank account was taken out in Scotland. I am now in England.

 

I have never acknowledged this and as previously said I fired the data protection act at them & as they have only sent a bank statement it doesn't prove it's me at all..... They couldn't provide anything else and said they would close the case....

 

However they sent that fishing email today... (first communication since oct 2011)

 

Which is where I don't know where I stand does this fall under scottish or english statute barred.... tempted to just wait, then send SB (but id be risking it if any other letter arrives before 22/04/08 - if that's what they are going by).