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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?



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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?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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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.

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON


Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.



I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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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?



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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.




please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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