lowell chasing HFC debt

[cazzle]

I'm having major problems with Lowells.

 

In January 2004, we took out a loan with HFC bank for us to be able to manage

whilst I was on maternity leave (and loan consolidation at £10,000).

 

However, I had to finish work as I became disabled.

We couldn't pay the mortgage and handed the keys back to the building society.

 

Upon the sale of the house, HFC were paid 2,533.93p

plus the £2772.00 we'd made in payments up to that date....£5305.93 total in payments.

 

I know that the balance is still £4000 + but, being on benefits, we just couldn't pay.

 

When we moved house in 2005 we didn't tell creditors where we were.

last week, out of the blue,

 

Lowells contacted us by post, demanding the balance of £4000.

I responded by email and said the debt was statute barred as it was 10 years since we took out the loan

and the last payment was 11th April 2005.

 

Lowells argued that we'd made a 'one off' £5.00 payment on the 22nd June 2010

- we knew this was complete fiction as no one from HFC or debt collectors have been in touch about this debt - until now.

 

They've posted me some 'statements' and the £5.00 payment is shown on the statement.

 

We have asked Lowells to provide proof of this payment and they said the statement is all we need

- I asked for a bank account number from which this payment was made.

...or the last 4 digits of the card - they have refused !!

 

Why should they refuse if it's going to be my own bank account from which the payment was made???

 

I don't know where to go next with this - they are extremely aggressive.

 

They're not badgering me by phone as i've blocked them on my Truecall system.

 

I am 100% sure we have not made a payments on this account since April 2005

 

!! Is there a law I can use for them to provide proof of payment ?

 

Thankyou in advance

[dx100uk]

simply write and say

until or unless you provide me with the required information.

 

how,method,when, etc etc

I shall not be responding to any further communication.

 

the debt issttute barred.

 

now

 

did you ever send HFC and SAR?

 

as I bet you got well and truly done over with

fees and PPI etc.

 

dx

[cazzle]

They posted me the original agreement from Jan 2004 but say they can't supply the how/where/when under the data protection act!x

[cazzle]

L also forgot to put that there has been no 'defaults' on the account since 28th June 2005

[dx100uk]

dpa my foot

 

so they wont tell you how a payment was made on your own account...

 

madness.

 

dx

[cazzle]

No and i've just been on a similar forum and another person is having exactly the same problem with lowells and a mysterious £5 payment being made on their account ......isn't this illegal?x

[dx100uk]

unlawful poss

not illegal.