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Lowell chasing Provi loan account they closed

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Am wondering how to go about this.

 

My partner had 2 debts with Lowell.

One was statute barred and, after informing them as such, they closed the wrong account!

There is no rhyme or reason for it as it still had about 12 months before it too became statute barred.

 

As such, the account is showing on his credit report as a closed account, zero balance and marked settled.

Yet they still call and have now sent a letter.

 

The account that was statute barred didn't appear on his file anyway so I haven't muddled the accounts up ��

 

So, best response to this would be appreciated ��

 

Thank you.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Hello – a voice from the past!

 

You got me muddled now. One account was statute barred. One was not. They closed the one that was live. So which one are they chasing?


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They are chasing the one that was live.

 

And hello 👋


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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How much time to go on the live account?


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It had until February 2019 before statute barring would have kicked in

I hadn't even written to them about the live account ��*♀️

 

Why...Why has it put that sign in my post?? Ignore it..

 

Sorry...It's marked as satisfied. Not settled.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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What account is this for Clemma :wave:? Mobile? Loan?

 

I'd be inclined to firmly ignore them until such time that they send you a 'pre action protocol' letter.


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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An old Provident loan.

I'd love to tell them to disappear but you're right, it's probably best to ignore

It's not impacting his credit file

They're just an annoyance though.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Was this taken out at an old address and Lowell don't officially know her current one?


..

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It was taken at on old address but they have our address. Received a letter from them today chasing payment, which is about the 5th one since we moved here a few years ago.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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In the letter they have sent today they are trying to insinuate they have recently purchased the account.

 

However, I have a trail of paperwork and emails that say otherwise.

Not sure what they are playing at.

 

3 separate credit reports all mark it as closed, satisfied and zero balance and that was done, by Lowell, on the 18th February this year.

Edited by dx100uk
spacing

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Ignore them :-)


We could do with some help from you.

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I'm bumping this one up as Lowell are getting pushy now.

Phoning all the time from various numbers (that get blocked) and now have sent their pre-legal assessment letter.

 

To try and clear up any confusion...

 

My partner owed £400 for a Provident loan but hasn't made payments for years (statute barred would have happened Feb 2019).

 

For some unknown reason Lowell marked this account as satisfied in February this year and it is now in the 'closed accounts' section of all credit files.

 

So are they chasing a ghost?

If they went for a CCJ, would it be valid defence to show that the account is showing as satisfied and closed?

I really want to tell them to disappear to be honest!

Edited by dx100uk
spacing

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Pre-legal assessment letter......ah okay that will be from the desk nearer the toilet.......ignore.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Yeah.

Its just spare loo roll.

But they're winding me up.

Just need to know if the fella has a defence should they try and take it further ;)


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Always a defence when it comes to Loweel :-)


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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