Help with old Debt

whereisshenmue3

Hi

Sorry to bother you guys who must hear these questions all the time!!

Anyway, I have recently had contact with Lowell.

They sent a letter saying I owed Nat West £1100.

This was an old debt from around 2002 so I sent the Statute Barred letter.

Anyway they have replied saying that I made a payment toward the debt in 2006.

My life around this time was pretty hectic and I have no recollection of making this payment. Is there any way I can ask them to give me details regarding the payment?

I know for example that at the time I did not haver a debit card.

Thanks for your time.

GeorgeUK

I would just write to them stating that you have no record of this payment and require them to prove this.

You could send a subject access request (SAR - cost £10) to your bank if they are not willing to look up their records to confirm this. The SAR would allow you to have a copy of all data held on your which should include statements which should show this transaction.

I would ask for proof of this payment though so you can see the amount and when this was.

whereisshenmue3

By doing this will the clock be reset regarding the debt being unenforceable after 5 years (I am in Scotland)?

Even with that payment the 5 years would be up in a month.

Also, is there a template for this letter?

Thanks for your advice.

fermi

whereisshenmue3 wrote: »

Even with that payment the 5 years would be up in a month.

Then in a months time send the one here:

http://forums.moneysavingexpert.com/showpost.php?p=34906235&postcount=3

GeorgeUK

The prove it letter is not an acknowledgement of the debt. I agree with Fermi though - save the postage and use it for the SB letter.