Jump to content
style="text-align:center;"> Please note that this topic has not had any new posts for the last 1969 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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

Share this post


Link to post
Share on other sites

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!

 

 

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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


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.

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...