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Received a letter - Pre-Litigation Department :(

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Comments

  • 10past6
    10past6 Posts: 4,962 Forumite
    od0s wrote: »
    I sent them the letter on 22nd January 2009 by recorded delivery.
    The timescale 12+2 is up today.
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • od0s
    od0s Posts: 41 Forumite
    So this may explain why they made me this wonderful offer to pay less than half the amount to clear the account in full today?

    I am very sorry but if the time limit has now passed where does this leave it? Is there something I should be reading for full information on this? I cannot find any reliable info on what this now means and what to do next.
  • 10past6
    10past6 Posts: 4,962 Forumite
    You're faced with these decisions:

    Pay them what they're asking, making sure it's a F&FS of the debt in writing.

    Or

    Leave the debt as it stands, until such times as they provide the correct documentation.

    If they're unable to produce the said documents, the debt remains unenforcable.
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • od0s
    od0s Posts: 41 Forumite
    So what significance is there of the 12+2 days they supposedly have to send me this agreement...
  • od0s
    od0s Posts: 41 Forumite
    Sorry... anyone? I am at a loss here!!
  • RAS
    RAS Posts: 36,147 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    it means that Lowell are in default and if they chase you any further for this debt, they are in breach of various regulations.
    If you've have not made a mistake, you've made nothing
This discussion has been closed.
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