Lowell Woes

[djdave]

Back up a little...

 

You say this is from 8 years ago. Have you acknowledged this alleged debt or made any payments within the last six years? If not, it's statute barred and Lowells should not be attempting to collect. In fact, they may be acting unlawfully by doing so.

[djdave]

If you're sure you've not made any payments or acknowledged the debt (in writing) then definately report them, yes. The OFT's view is that persuing a Stature Barred debt "could" constiture harrassment under the Administration of Justice Act.

 

A polite but firm letter pointing this out to Lowells should get them off your back.

[djdave]

DjDave.... what is the proceedure for the OFT? Do you know if I can just call/email them or do I need to write a letter to them outlining the whole Lowell thing?

You're best complaining to the Financial Ombudsman Service (FOS) but they understandably insist that you try to resolve the issue amicably first.

 

Fire off a letter to Lowells, and while you're at it ask them for a copy of their complaints procedure.

 

There's a good chance that Lowell bought this debt cheap and are just trying it on, and therefore you won't hear any more from them. But if they don't send their complaints proceedure, or if they continue to chase you for payment, make your complaint to the FOS.