Partially satisfied

[therightway]

Good afternoon all

 

This is my first post on this forum.

 

I received a letter from the lowell group saying they had checked my credit file and see no reason for not paying

and that they believe i work etc etc and that they will be applying for CCJ.

 

 

Two days later i receive a letter offering me a discount of 75% saying they will mark as partially satisfied and close my account.

 

 

Now i have not made a payment or acknowledged the debt since 2007,

 

 

but on looking at my credit file it says default November 2009.

 

 

Would I be correct in thinking that it will not be statute barred until November 2015?

 

Thanks

[Bazooka Boo]

IGNORE lowlifes.

 

Welcome to CAG, it may already be SB?

 

The default on your credit file will auto drop off this November yes.

 

If you're 100% certain that you have paid nor acknowledged it since '07 then it is highly likely SB already, and these clowns are chancing their grotty

arm again.

 

What is the debt?

[oneofakind]

Good afternoon, and welcome!

 

Sound like we got the same letter

 

See http://www.consumeractiongroup.co.uk/forum/showthread.php?443056-Partially-Satisfied-Lowell-offer-(4-Viewing)-nbsp for my thread on the same...

 

As stated there, don't bite! Check first, this could be statute barred, and already off your file.

[therightway]

Hi

 

Thanks for replies. I have definitely not paid anything for at least 8 years.

 

 

But just wondered does statute barred start from the date they note a default,

 

 

or from if or when last made payment or contact with them.

 

 

Do you think as they wrote saying CCJ and then made offer of paying off, they do not have a leg to stand on?

 

thanks

[dx100uk]

DCA's never do

 

 

they are not bailiffs

and have no legal powers whatsoever.

 

 

what was the debt?

 

 

typically SB is one month AFTER you last payment/use.

 

 

but ofcourse DCA's will say anything to fleece people.

 

 

dx