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Question about statute barred - Lowells/Overdales.


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Hello.

 

Looked on debt charities websites etc, and can't figure this one.

 

I had a 3 mobile account started 26/4/13. I think I stopped paying mid Sept 2014. I don't recall getting the default letter however. No payments, no letters etc by me acknowledging the debt.

Then Lowells took it on 26/11/19. They immediately defaulted me on it. On all my credit files there is no default apart from Lowells.

 

Now, some sites say the 6 years starts from the default date, some say from last time I paid/acknowledged the debt.

 

To who? Lowells or 3 mobile? As Lowells added the default.

 

I do know you cannot default twice on same debt, but it seems 3 did NOT default me.

 

Any questions please ask, thank you.

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the OC would have defaulted you before or upon sale

a DCA cannot issue a default notice nor change the defaulted date the OC registered.

 

if you've paid nowt nor used the service in 6yrs the debt is statute barred, but that doesnt mean the debt might not show as thats recumbent upon the defaulted date and its 6th birthday. having 2 defaults for the same debt does not harm your file anymore than 1 ..it's the same debt.

 

as long as you have not moved since taking the contract out and failed to inform the OC or the debt buyer of your move, i'd ignore them until/unless you get a letter of claim.

 

a mobile default will not harm credit applications.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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