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Barclaycard / Lowell - £0.00 Balance!


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Afternoon All,

 

I thought I would share some good news with you all today and also ask for a bit of guidance.

 

Today I took delivery of a letter from Lowell saying the following:-

 

"We write further to recent communications regarding the account detailed to the right. After reviewing the account, we are prepared to take a commercial view in relation to this matter and as a gesture of goodwill and strictly without any admission of liability, we are prepared to close the account and write-off any outstanding balance.

 

We trust that you will find this satisfactory and that this matter is now closed."

 

If I am correct it relates to an account opened in 2006 and I have no idea when the last payment was made, the default drops off in a few months.

 

My thoughts are:-

 

Are Lowells becoming more professional and not chasing debts soon to not be enforceable via court? or do they know that it's SB? even so they still have time for a CCJ or do they fully realise from looking at my credit file I have nothing?

 

Cheers,

Flappy

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HI there

 

Thread moved to DCAs forum as Lowell are a DCA

 

On the face of it a good sign. And you are right to ask questions.

 

Barclaycard opened 2006 - Means they require the original CCA to enforce in court.

 

NOW

 

How much was the balance?

Have you had Overlimit fees and late payment charges?

Any PPI?

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Hi,

 

The balance is Zero as the wrote it all off, originally it was about £1,600 - I have no idea what the breakdown was / if any charges etc.

 

I can't even remember the card.

 

Cheers,

Flappy

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Well the good news it is gone :)

 

But have a read here http://www.consumeractiongroup.co.uk/forum/showthread.php?423713-Barclaycard-Link

 

It should be noted that just because they have written it off, does not mean you have no claims against Barclay's if you have been wronged

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Keep that letter, just in case they pop up again. However, I believe they know it is either statute barred or very nearly and if they don't have the paperwork to back up their claim then they know they are just wasting time and money.

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

 

 

BCOBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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No harm in sending SAR to Barclays :)

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

 

 

BCOBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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