Pre Legal Assessment- Lowell/Old EE

[jboyd83]

Hi can I get some advice please on how to proceed with 2 'pre legal assessment ' letters from Lowell re: 2 EE mobile bills/terminations etc

 

I accept responsibility to pay, no getting away from the fact they are mine. But, I would really like to see if I can get these amounts reduced somehow as I believe they are too high, and really want to save my credit file from any further detriment as we are just starting to sort our lives out after a rough couple of years.

 

Amounts are : £700 odd and 200 odd from 2017 I think - we left the uk early in 2017 returned late 2018.

 

Thank you 

[dx100uk]

throw the morality card out the window

the sums are most probably the monthlies till the end of whatever contract you signed up to each time.

and as you didn't use the service and they probably terminated your use anyway had you wanted too.

then what debt??

 

the regulators are down on record as clearly stating these kind of charges are unfair  anyway.

and I suspect the OC's defaulted you years ago so no more harm can be done to your files anyway.

 

have you moved since these contracts were taken out and have not ever updated the relevant co. nor lowells since?

 

pre school letters are a phishing trip 

a dca is NOT A BAILIFF

and has

ZERO legal powers

 

 

[jboyd83]

Hi,

yes we moved country, then moved back to uk different address.

 

Only updated credit file to correct address when we moved back( didnt notify creditors individually).

All debt letters now come here as far as I know, like this one has.

 

Yes shamefully....admittedly we bogged off and left them, knowing theyd charge us for airtime we couldnt use.

Biting us in the bum now.

Im no angel, made plenty mistskes... 

just really dont want a ccj.

[dx100uk]

oas I said throw the morality card in the bin

you dpnt owe anything for unused airtime

rarely do lowells get a judgement on mobile debts.

they usually fold at the last moment..

 

your issue here 

as with ANY debt from that period is YOU MUST INFORM CREDITORS OF YOUR MOVE.

you seriously risk backdoor CCJ's you'll know nowt about till a bailiff is at your door.

 

readme

 

i aint gonna repeat the same on 2 threads in the same day..^^^

 

 

 

[jboyd83]

So should I be informing Lowells, EE or both? Or do I even need to seeing as they are sending these letters to my current address already?

 

Sorry just reading thread, will send to Lowells, do i send to EE too?

[dx100uk]

nothing to with ee they've sold the debt as that other thread.

what about any other old debts from the same time?

 

[jboyd83]

Yep will go through my drawer of doom where I keep all letters and write to each of them.

Thanks so much for always being non judgemental and extremely helpful. 

[dx100uk]

wont hurt to list your debts here 1st

and match them to your credit file too.

that should confirm who now owns the old debt...that's the important part...

[jboyd83]

I see, ok.. luckily I have a cpl weeks left on free experian.

Will cross match them. Some have dropped off experian so I think theyre SB...which I expected for one or two.

[dx100uk]

ok if they've dropped off it simply means that the defaulted date the original creditor has met its 6th birthday, and under ICO rules all ref must be removed.

 

that DOESNT mean the debts is statute barred

there is NO DIRECT LINK between defaulted date and statute barred date.

 

[jboyd83]

Ok, no payments have been made on the other debts for many years, we made a post here back then and ceased payments. Im almost certain theyre SB, as we stopped paying anything then they defaulted us for most of them a few month later. 

The EE debts were many years later.

[jboyd83]

 

Looking at the thread Im guessing theyre SB?

[dx100uk]

ok ultimate defence then..

but ofcourse nothing Is checked on a backdoor CCJ by any human..as that other thread points out....

and yes we've seen numerous backdoor CCJ's threads here whereby the debt was already WELL statute barred

but it doesn't stop them...

[jboyd83]

So youd advise to simply write to all stating current address? And thats not admitting anything/owing it?

[dx100uk]

why would it be?

 

 

 

[jboyd83]

I dont know, maybe why would someone inform a dca of a new address if its not their debt?

 

But if you say it wont mean I am tripping myself up, then thats good I will post those other ones tomorrow. Im just sat here going through them now. 

 

They are definitely SB as we stopped making payments over 6 years ago. 

 

Should I put in any of these SB address confirmations, something to say they are now SB?

[dx100uk]

eh?

once a debt is statute barred

no-one can unbar it.

just send our sb letter from the debt collection section of our library.

 

kills 2 birds in one stone

 

 

 

[jboyd83]

Right... so is there any point sending anything at all if thats the case.

Sorry Im not being rude, Im just a bit 'eh' myself as you said to send the address confirmation letters incase they do a back door ccj.... now saying no one can unbar an SB debt ..

I dont know all the ins and outs of how SB works so its easy to be confused.

Thanks 

[dx100uk]

you must inform them of your present address!

 

so the debt is statue barred

so...

send them that..send them our sb letter...……….

 

gives them your address

tells them it's statute barred.

 

end of issue..

 

dx

[jboyd83]

I see, ok do both. No problem thank you 

[dx100uk]

but its ONE letter

2 birds one stone geddit yet.....

[jboyd83]

Yip, goddit