BPO/Lowellletters old Barclaycard debt poss SB'd

[BRIGADIER2JCS]

This seems to a new way of displaying the conduct of the account and the transfer to a third party ie original creditor accound marked settled/satisfied , the debt purchaser details same default date and OSB on the account so it's still only 1 default.

[bluebear1872]

Dx thanks thats put my mind at ease that Fred's can't do anything. The CCA will be sent off to Lowell ASAP I don't know if I can get a copy of the letter up though as I'm doing this via my smartphone

 

Brig. Yeah it looks like that's what happened. However although dates and osb are both the same. The account numbers listed by barclaycard and Lowell are different. So this should maybe be classed then as two separate accounts? The barclaycard one ties up with parser work I have. The Lowell one matches no account I've ever had with barclaycard

[BRIGADIER2JCS]

Could be Lowell have changed it to their internal ''agreement '' number, I have asked the data controllers of all 3 main agencies to ecplain this ''new'' system no repies so far.

Complain to the Data Controller at the CRA anyway.

[oleg]

Lowell routinely have incorrect Barclaycard account no's. I doubt that it's of any consequence, just another of their unexplained acts of deviance.

If you ignore Fredickheadson's LBA, they simply send another (very similar) threat on Brian *arter letterhead 2 weeks later.

As they don't own the purported debt, you need not reply; it only encourages them.

[BRIGADIER2JCS]

Lowell routinely have incorrect Barclaycard account no's. I doubt that it's of any consequence, just another of their unexplained acts of deviance.

If you ignore Fredickheadson's LBA, they simply send another (very similar) threat on Brian *arter letterhead 2 weeks later.

As they don't own the purported debt, you need not reply; it only encourages them.

 

Lowell do own the debt the Barclays entry shows ''satisfied'' and Lowell have places their entry beside it same balance, same default date!

[oleg]

Lowell do own the debt the Barclays entry shows ''satisfied'' and Lowell have places their entry beside it same balance, same default date!

 

Yes I know. I wasn't alluding to the CRA record at all, merely pointing out that Lowell routinely hold incorrect account no's for debts purchased from Barclaycard.

[BRIGADIER2JCS]

Lowell routinely have incorrect Barclaycard account no's. I doubt that it's of any consequence, just another of their unexplained acts of deviance.

If you ignore Fredickheadson's LBA, they simply send another (very similar) threat on Brian *arter letterhead 2 weeks later.

 

Any dealings with Lowell involved need treating with care, the issue of SDs even in non qualifying debt.

[bluebear1872]

Iv just received a Letter from a company Called BPO.

 

It seems like Lowell are now using them to try and collect on their behalf.

 

I had a barclaycard debt which became statute barred in april of this year.

 

So BPO and Lowell are barking up the wrong tree.

 

SB Letters being sent to tgem first thing

[Stigman]

Hi,

 

Have you fully checked your Credit Files to see if anything has been slipped on?

 

Please doubled check & triple check to make sure of the debts Statute Barred date.

 

What is the exact wording of the letter?

Is it a phishing letter?

 

Stigman

[dx100uk]

how are you gauging the SB date?

 

is this on your credit file?

 

dx

[bluebear1872]

Last payment to barclaycard was 22nd april 2009 according to bank statements as im in Scotland

 

I figure that as of may this year it has become statute barred under the prescriptions and limtatioms act.

 

The default date on my credit report is dec 09 which makes it just over 6 months from the last payment

[dx100uk]

t'will be the default date I fear.

 

dx

[slick132]

Hi BB,

 

We on the Site Team love debating this point.

 

The relevant date here is 5 years from the date when the obligation became enforceable. In other words, the date when the unpaid debt could be first be enforced due to previous non-payment.

 

I think this may not be the Default Date as per your CRA records, but a date after your last payment when your failure to pay meant the whole debt could be pursued, demanded or enforced.

 

It's NOT 5 years from your last payment but more likely a month or two after that date.

 

If your last payment was April 2009, the SB date is probably July 2014, in which case the debt could be SB already.

 

[bluebear1872]

thats kinda what i thought i had read somewhere that the cause of action begins 1 calander month after the debt became first due ie last payment April next payment due May so it then june becomes the mark from when the prescription and limitations countdown begins thats my understanding of it anyway so i think Lowells have passed on this to BPO to try and chance their luck