Jump to content

BrightFuture Debt 3 --- £1468- Lowell DCA - Halifax Packaged Account - 2007/08


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2498 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Hi again


So here you go again another copy and paste of my brief story .. Enjoy ..Oh and my 3rd alleged debt.. Please help :(


So my story.... I used to work for HBOS plc (Halifax) as an IT specialist.


In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness.



Debt 3 - Halifax Packaged Account Defaulted in 2007/2008 - one of those pay £15 a month for perks you never use. Debt now owned by Lowells.


I worked for Halifax they signed me up as staff and I didn't really get much information about the account other than internal IM comm's.


Last Payment I made to this account must have been 2007/2008 as I was in a coma after that and there was no money going into that account.


My overdraft was £1000 - so the extra £468 must be charges and unpaid monthly fees.


Debt has been sold to Lowell who have just sent me an annual statement of account..


From what I have read on the Forum I believe this debt is now Statute Barred?


My next steps...


Not to acknowledge the debt?


CCA request?


Statute Barred Letter and removal from credit file?


Advice and help and comments and sticks and stones and the kitchen sink... Let me have it Please :wink:


Thank you Beautiful People

Link to post
Share on other sites

Indeed, if there has been no activity on this account since 2007/2008 and it was defaulted at that time, then I would agree it is well and truly Statute barred.


You need to establish for sure when they defaulted the account - you can do that by way of checking your credit files or sending a Subject Access Request to the Original Creditor.




Draft request above - you will need to enclose £10.00 with the request - send it by tracked mail or at the very least obtain a free proof of posting from the post office.


They have 40 calendar days in which to provide you with all the data. You should receive statements, a communication/daily event log (that is most likely where you will find any default information) and any other data they hold on your relationship with them.


I say "should" because HBOS is not one of the most reliable of data providers.


If you had other accounts with them, then you only need to send the 1 x £10.00 as the request covers ALL data for ANY and ALL accounts you held with them.

Have we helped you ...?         Please Donate button to the Consumer Action Group


Uploading documents to CAG ** Instructions **


Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first


1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read





2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS


Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



Link to post
Share on other sites


  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...