Lowell harassing over old CAT debt

[Shelley181146]

A relative is being bombarded by Lowell for old debts, but were not sure if they are borderline statute barred.

How would we establish this without communicating to Lowell, and if communicating does this admit they owe a debt or start the clock again?

 

Thought the clock started again only when making payments or am I mistaken please?

 

The old memory isnt what it use to be, and I don't want to give them incorrect information. 

TIA

[dx100uk]

whats the debt all about please 

 

we are not mind readers...history

 

d

[Shelley181146]

The debt relates to an old catalogue as I understand it, and the relative disputes the amount Lowell are quoting and thinks this is borderline statute barred anyway.

 

They've read somewhere that if they contact Lowell to dispute the debt, they're admitting the debt and starting the clock so to speak - is that correct? I thought it was from date of last monies received?

[dx100uk]

you dont contact lowells anyway

go ring the OC and ask last payment date, under fraud and data protection they must hold data for 6yrs.

 

SB cannot be reset by simply contacting anyone, it has to be written and signed admittance.

[Shelley181146]

Correspondence from Lowell now indicate their next steps as legal action, and whilst I note it says "we may" my relative doesn't want a CCJ recorded on their record because they have been working to tidy up their credit file in order to move foward.

Wouldn't there be an original default on their credit file from years ago when /if they failed to make payments with the original creditor?

Is this allowed?

I was trying to attach Correspondence for you to see but pics are too large.

[dx100uk]

Not unless they issue a letter of claim 1st.

 

read upload carefully..use one mass pdf only.

 

Go ring the oc and ask last payment or use date