Lowell email received over 2016 bt and cap1 debts

[anna may]

Hi everyone 

 

Received email from Lowell on 14 Th asking me to contact them for them to get an understanding of my circumstances re debt the debt relates to capital one and BT From 2016 the last payment on this was about November of 2016. I have been no fixed abode since then up until a couple of weeks ago

 

 

I couldn't give any address but they obviously had my email address for them to contact me now 

No payment or acknowledgement to anyone since then 

 

Unfortunately the email got deleted by mistake so I don't know what to do from here any help is much appreciated thank you

[dx100uk]

sorry you are saying you have not paid these debts since 2016?

 

dx

 

[comebackjimmy]

If what you say is correct then the debts will have become statute barred in November 2022 or even November 2021 if you live in Scotland.

See what others say but I would advise Lowell of your current address so they don't attempt to get a back door CCJ by sending a claim form to your old address.  Always best to advise creditors of your correct current whereabouts.

They will very likely send you a letter.   At that point, or even before that point, advise them it is statute barred.   There is a great template letter on this site I have used before.

Seems to me you are home clear.  They cannot enforce these debts and they probably have dropped off your credit reports (might be worth checking all three Credit Reference Agencies to make sure!).

Well done!

[dx100uk]

easy killed by sending our statute barred letter.

 

dont forget a DCA is not a bailiff

and have zero legal powers

so ....

 

but you need to WRITE to them and tell them the debts are sB'd

that will also inform them of your address

 

2 birds well 3 killed with 2 sep letters in sep envelopes!

 

[anna may]

Hi thanks for your reply 

Yes that is correct no payment or correspondence to anyone since 2016

Thanks for your reply 

 

Thanks for your reply it is very much appreciated 

 

Thanks so much will get on to it straight away will update as and when thanks again 

[dx100uk]

statute barred letter is in our debt collection section of our library

 

send two in 2 sep envelopes quoting each debts ref number

and also if you no it the original creditor and their org ref number.

 

send 2nd class

get free proof of posting from any PO counter for each.

 

do not sign the letter simply type you name

[anna may]

Sorry my tablet is playing up thanks for the reply

[dx100uk]

well just type in the box no need to keep hitting quote.

 

dx

 

[anna may]

Sorry didn't know I hit quote eyesight problems at my age thanks for the help

[dx100uk]

[anna may]

Anyone got the address to send letters to Lowell 

Thanks in advance 

 

 

 

 

 

 

 

 

[dx100uk]

Lowell have numerous trading names

.Go up on the fca register website and type in lowell see if rhere is a head office unless you know if its 

Lowell financial

Chasing you?

Check that email too

It might give their ad at the bottom/top

[anna may]

Thanks dx100uk

Deleted email but managed to retrieve it , the address on that is a Po box will that one do

Also probably a silly question but do I respond to email too or just write to them sorry for all the questions but want to get it right 

Thanks again 

Edited to add 

Just checked again and in very small print there is a registered address for Lowell financial 

[dx100uk]

Ok send sep sb letters to the po box get free proof of posting

job done.

 

you never respond to emails on any debt...they dont know you got them and if you'd not rung them.........

 

Dx

[anna may]

Thank you  dx100uk very much appreciated 

[London1971]

Lowell seem to have brought up a bunch of ancient Statute Barred debts recently. They do this because, their MO is to find people who have moved address , and gain a backdoor CCJ by default.  Their business model is very sound, buy a debt for pennies in the pound, send a few phishing letters and emails, if no response then a Claimform straight to the old address. Next thing the poor victim can't get a mortgage, because a CCJ has seemingly come from nowhere, and your credit is stuffed for the next 6 years.

 

Sadly I speak from bitter experience here, but now know that protecting yourself can be done for the price of a first class stamp.  Just send the Statute Barred letter.  Personally, I would also include another separate sheet with your current address.

[anna may]

Thank you London1971 much appreciated

So sorry you have been a victim of their tactics 

Letters done and sent as advised so will see what comes next will keep updating thanks again everyone for your help 

[honeybee13]

Thread reopened.

HB

[anna may]

update

heard nothing from lowell after sending SB letters until yesterday when received email  saying they are trying to contact me as they like to speak to me about a personal matter and to call them

do i need to resend SB letter, they have my address but have never acknowledged the letters i sent

thanks you

[unclebulgaria67]

No, you should do nothing at the moment.

Up to Lowell now to respond.

The email is just standard and you would not discuss anything by phone call. They need to respond in writing, if they disagree with SB stating the reasons.

[anna may]

Thank you uncle much appreciated 

[dx100uk]

you should be blocking, bouncing and reporting all texts by 7726, .and emails/phone calls 

[anna may]

Thank you DX 100uk will do thanks for the reply much appreciated 

Just noticed this email is just the cap 1 debt no mention of BT does this make any difference about not resending SB letter sorry to be dumb but new to this 

[dx100uk]

On 18/10/2023 at 08:57, anna may said:

do i need to resend SB letter, they have my address but have never acknowledged the letters i sen

no

dx

 

[anna may]

thank you dx just getting over a mini stroke not thinking or seeing straight much appreciated