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Capital One & Lowell Solicitors Letter of Claim - Poss Statuate Barred

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Hi

After not responding to their last communication back in Jan 19 the debt was transferred back to Lowell Portfolio who started to send me debt chasing letters.  They then sent it back across to Lowell Solicitors who have now sent me out a letter of claim with the pre-action protocol form to complete again giving me 30 days.

 

Is the debt statue barred yet as last payment was 23rd Apr 2013?

 

Please can I ask what to do now.  Do I fill in the PAP form again requesting the account paperwork again?

Lowell Cap One 060419.pdf

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threads merged 

please keep to one thread.

so you've already sent the pap stuff back before?


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Yes already sent back once and they did send me some paperwork back that I previously posted on here.

 

I never responded and it went back to Lowell Portfolio who kept sending me letters which I ignored

They then sent it back to Lowell solicitors. 

Lowell have now sent me another PAP to complete.

 

Should I just complete another PAP they have sent?  

It seems weird. 

Maybe they have forgotten Ha ha

 

 

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I think id await the 23rd or 28days from new pap letter  and then send our SB letter..?

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Actually you could use this to your advantage. If they have restarted the process for PAP - And the have deliberately done this, I wonder could the claim be denied because they have used the LOC as a Debt Collection Tool rather then what its supposed to be for? 

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So can I send the statue barred letter as last payment was 23rd April 2013. Does this make the legal statue barred date 23rd April 2019 or does it go from the official default letter from Capital 1 dated 17th Sept 2013 when they advised I had defaulted. 

 

I cant open your stat barred letter on here as it says I don't have permission.

 

What is the best thing to do send a stat barred letter or start the PAP process again?

 

 

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post 30.

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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with regards to #post30 I don't know to respond.

 

Going of their last letter I have 30 days to reply otherwise they will proceed with court proceedings.  On their original PAP they did respond and send the requested docs back that I listed in the PAP as advised. 

 

I waited to see if they would go ahead with issuing court docs as advised.

 

If I complete the 2nd PAP what will they do?

 

Do I get in contact and let them know I have already completed one and they have already sent the docs to me.  Will that not just give them the green light to go ahead and issue court papers anyway?

 

I cant find clarification if it is legally statute barred as some  go off the last payment date and others from the default letter date.

 

 

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I don't think they know either.

pers id just let it run till the end of the new PAP letter 30days dead line and state its statute barred

even if its not

by the time they sork it out

it'll most prob be too late.

 

we've not seen a great big change to SB date arguments nor court claims from DCA's re this 'it's 14 days after the defaulted date' now stuff.

I don't think half of them know, care or even understand.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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