Lowells/Red The Cheeky Beggars!!!

[moosedragon]

Hi, I've been reading around this forum for days about my issue and thanks to all of you, I know where I stand

 

I've had three letters (2 from Lowells & 1 from Red which I know are the same people)

about some alleged credit card debts which are 7 & 8 years old respectively.

 

 

After reading all the info on here,

I am absolutely 100% certain these are statute barred

(no written acknowledgment or payments made for 7 & 8 years & definitely no CCJ's).

 

I know I can send statute barred letters,

but the devil on my shoulder wants to play with them a bit so I'm toying with the idea of just waiting

and seeing where they go from here knowing that it's costing them time and money.

 

So far, I've had two "Hello we're Lowell's and we've bought your debt" letters

included with their own notice of assignment letters (made up to look like they came from the bank)

and one "OVERDUE, you haven't paid, pay NOW before things get worse" letter from Red.

 

If it weren't for people like you on here,

I'd have been panicking, losing sleep and this would have absolutely exacerbated my mental health condition .

Your help is very much appreciated.

Who knows how many people get scared into coughing up when they're threatened by these vermin?????

 

As it stands,

I've got statute barred letters typed up ready to go but haven't sent them yet.

 

 

Do I send the letters & see these plonkers off now or do I see how long they keep this nonsense up for?

 

I just wanted to say thanks for being here,

and if any of you have advice on how I should play this out,

I'd be grateful for your input.

[maroondevo52]

Hello and Welcome,

 

Whats the score with the cards, any PPI or charges. A bit history would help others with advice.

[dx100uk]

the current wisdom is NOT to send the SB letters anymore

 

 

the only time you do is in defence of a court claim.

 

 

how, can I ask, are you defining the SB date

 

 

typically this is when they first 'could' have gone legal

 

 

which on a credit card could be after they issue a default notice.