Advice needed please...

miss_teacher

Hi all,

My other half received a letter in the post the other day from Lowell I and in the envelope was a letter from Lloyds TSB which basically said some debt that he apparently had had been sold to Lowell and now he needed to repay it. He has since followed it up - Lloyds say they have no records of it, Lowell say that as it has been sold to them they now have all records and it is something to do with a direct debit that he had on an account some years ago that has accumulated and now needs repaying.

I was just wondering a few things. Firstly, if he has not been notified of this debt up until this point, is he legally obliged to repay the full amount or can it be negotiated? Lloyds have not contacted him over the years to say that there is this debt on his account. It seems a little unfair that he is paying for something he did not know about. Secondly, is there any way that he can find out what the direct debit was for that has accumulated such an amount (around £2000). Whatever it was, it is not something he has had access to so should he have to pay for something he has not had? Finally, his overdraft would only have been small on this account, so how did it reach such an amount and why hasn't he been contacted by Lloyds sooner?

I would appreciate any advice on the best steps we should take to resolve this matter. From what I have read it is important to communicate in writing so that we have records, but what should I be saying when we write to them? If there is any statute that you know of that I can use to support this case I would appreciate being pointed in the direction of it. I wouldn't want us to be scammed through naivety and end up paying more than what we should.

Many thanks in advance.

[Deleted User]

Does your OH actually owe the money?

tallyhoh

how many years since he paid towards or acknowledged debt? if its more than 6 its not enforceable.

Look for information on statute barred debts.

ilovelondontown

Your right to check what's going on before you cough up any money. If you don't know what this relates to the first thing you should do is send a prove it letter. You want to know what this relates to and when. You want to see signed contracts/comms that prove it's even your partners debt. They may be fishing for debt in a similar name that doesn't belong to him or they might be fishing for old debt that is status barred and cannot be legally inforced.

https://forums.moneysavingexpert.com/discussion/2607247

miss_teacher

Bedsit_Bob wrote: »

Does your OH actually owe the money?

He says he had no knowledge of it until now. However he did have a bank account with Lloyds once so I suppose it is possible. However this was a while ago and it is only now that this has been brought to his attention.

miss_teacher

Thanks for the advice so far guys, if anyone else has anything they can say to assist me it would be much appreciated. I like to know my options before I walk in blind!

fatbelly

miss_teacher wrote: »

My other half received a letter in the post the other day from Lowell I and in the envelope was a letter from Lloyds TSB which basically said some debt that he apparently had had been sold to Lowell and now he needed to repay it. He has since followed it up - Lloyds say they have no records of it, Lowell say that as it has been sold to them they now have all records and it is something to do with a direct debit that he had on an account some years ago that has accumulated and now needs repaying.

Send a prove-it. You want to see those records that Lowell say they have.