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


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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

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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.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**(1-Viewing)-nbsp

 

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.

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