lowell chasing Lloyds 2007 CC debt - **agreed SB**

[BRIGADIER2JCS]

Personally I would follow2 dx advice Lowell have become very persistent of late and issue SDs requently.

[pigginpie]

Personally I would follow2 dx advice Lowell have become very persistent of late and issue SDs requently.

 

sorry to come across dumb but what is an SD

[maroondevo52]

sorry to come across dumb but what is an SD

 

Statutory demand

 

A statutory demand can be used to ask for payment of a debt from an individual or company.

 

When an individual or company gets a statutory demand, they have 21 days to either:

Settle the debt or reach an agreement to pay.

If there’s no agreement, whoever issues the statutory demand can start proceedings to recover the debt.

[BRIGADIER2JCS]

The first step in the bankruptcy procedure if the debt is over £750.00

[pigginpie]

the last time i acknowledged the debt was april 2007 with the tsb bank , but the credit report says lowells april 2008 im confused ere , cause i have never spoke with lowells will the debt be statue barred and therefore no legal action can take place , im starting to feel really ill with the worry , sorry for seeming repetative

 

paull

[BRIGADIER2JCS]

Acknowledgment of a debt is ''an unequivocal WRITTEN ACKNOWLEDGMENT THAT THE LIABILITY SUBSISTS''. Phone conversations do not count.

What exactly does the entry say re Lowell in April 2008 also what is the default date shown?

[pigginpie]

Acknowledgment of a debt is ''an unequivocal WRITTEN ACKNOWLEDGMENT THAT THE LIABILITY SUBSISTS''. Phone conversations do not count.

What exactly does the entry say re Lowell in April 2008 also what is the default date shown?

 

it just says lowell was the lender date of default as 1 / 4 / 2008 , then theres like a calander what as a red D for default on every month from the 2008 date , i believe this is wrong cause it was lloyds tsb the lender not lowells ?

[renegadeimp]

Lowells bought the debt. You claim last ack of the debt was apr 2007? If so, send them the Statute barred letter and put them to proof that the debt is still enforceable.

[BRIGADIER2JCS]

it just says lowell was the lender date of default as 1 / 4 / 2008 , then theres like a calander what as a red D for default on every month from the 2008 date , i believe this is wrong cause it was lloyds tsb the lender not lowells ?

Di NOT send anything anywhere yet, is this the date Lowell acquired this account?

 

Was the debt defaulted by the original creditor Lloyds?

 

It has been known for DCAs to claim the default starts when they but the debt but this is wrong!

[pigginpie]

Lowells bought the debt. You claim last ack of the debt was apr 2007? If so, send them the Statute barred letter and put them to proof that the debt is still enforceable.

 

can i do this over the phone or via email

[dx100uk]

lowlife has brought the debt

 

when this happens

their name will replace that of the OC

 

in this case Lloyds.

 

so Lloyds would have defaulted you

lowlife just followed suite.

 

as stated

if your last written ack or in/out transaction was apr 2007 the debt is SB'd

 

send them the SB letter

dx

[pigginpie]

Di NOT send anything anywhere yet, is this the date Lowell acquired this account?

 

Was the debt defaulted by the original creditor Lloyds?

 

It has been known for DCAs to claim the default starts when they but the debt but this is wrong!

 

yes this is the date lowell took / bought the debt there is no default on there from lloyds tsb , is this maybe cause the 6 years as past

[BRIGADIER2JCS]

If you are going to send a statute barred letter to Lowell use this and send by RM recorded delivery.

 

The Compliance Manager

Lowell Group

Enterprise House

1 Apex View

Leeds

LS11 9BH

 

Ref: use theirs.

 

Sir,

 

I refer to recent correspondence regarding an alleged debt for £xxxx .xx originating from an account with Lloyds, please not I do not acknowledge any debt to Lowell.

 

I have concluded that any such alleged debt is statute barred therefore I will not make any payment

 

I would remind Lowell that if it should deny the status of the alleged debt I would remind you that the onus of providing unequivocal proof that the debt is NOT statute barred lies entirely on Lowell.

 

Lowell will now confirm in writing that it has closed the file on this account and has removed all adverse data reported to credit reference agencies.

 

I have also noted that the default date place by Lowell is inaccurate and I expect Lowell to correct it prior to removing the data from the files.

[BRIGADIER2JCS]

yes this is the date lowell took / bought the debt there is no default on there from lloyds tsb , is this maybe cause the 6 years as past

Just what I thought Lowell has altered the date to when they acquired the debt, have drafted a letter for you send it by recorded delivery.

[dx100uk]

well spotted brig

 

dx

[BRIGADIER2JCS]

well spotted brig

 

dx

Fresh in my mind dx 2 similar seen ''elsewhere'' during last week!!

[pigginpie]

If you are going to send a statute barred letter to Lowell use this and send by RM recorded delivery.

 

The Compliance Manager

Lowell Group

Enterprise House

1 Apex View

Leeds

LS11 9BH

 

Ref: use theirs.

 

Sir,

 

I refer to recent correspondence regarding an alleged debt for £xxxx .xx originating from an account with Lloyds, please not I do not acknowledge any debt to Lowell.

 

I have concluded that any such alleged debt is statute barred therefore I will not make any payment

 

I would remind Lowell that if it should deny the status of the alleged debt I would remind you that the onus of providing unequivocal proof that the debt is NOT statute barred lies entirely on Lowell.

 

Lowell will now confirm in writing that it has closed the file on this account and has removed all adverse data reported to credit reference agencies.

 

I have also noted that the default date place by Lowell is inaccurate and I expect Lowell to correct it prior to removing the data from the files.

 

Thanks very much starting to feel better already , am i right in thinking they cant SD a statute barred debt

[BRIGADIER2JCS]

Thanks very much starting to feel better already , am i right in thinking they cant SD a statute barred debt

 

Statute Barred means the debt cannot be enforced by judgement in court nor can they start bankruptcy proceedings !!

[pigginpie]

just like to ad your guys are doing a great job helping total strangers out in your own free time

[BRIGADIER2JCS]

just like to ad your guys are doing a great job helping total strangers out in your own free time

Thank you I am sure everyone appreciates your thanks!!!

[pigginpie]

hi guys back again with new info i found on a different credit report , it says a satisfied account then on 30/9/2012 it states debt assigned , also it turns out my last payment on the debt was august 2007 then for 6 months states account in arrears then it is defaulted in march 2008 , does the 6 years start from the last payment or when the account as defaulted

[dx100uk]

last payment.

 

dx

[BRIGADIER2JCS]

last payment for statute barred, the default will remain on file until its 6 year life expires, as stat barred means that the debt cannot be enforced in court but in England and Wales it still exists and remains payable until the letter I have drafted is received by Lowell.

So get the letter off when that has been dealt with we can try to get the default removed.

[pigginpie]

last payment for statute barred, the default will remain on file until its 6 year life expires, as stat barred means that the debt cannot be enforced in court but in England and Wales it still exists and remains payable until the letter I have drafted is received by Lowell.

So get the letter off when that has been dealt with we can try to get the default removed.

 

so i can send that letter now even thou my last payment was august 2007 , sorry for the confusion

[BRIGADIER2JCS]

Sorry my fault I thought is was Feb 2007