Bryan Carter for Lowell Portfolio - need urgent help please

fatbelly

It's the Limitation Act 1980.

I think that stands a better chance.

The danger with overdrafts is that the 'cause of action' is not as clear as with loans or credit card. Say you walked away from a bank account with zero balance but not having closed it (can you prove you closed it?). If there was a £10 monthly fee and a £200 overdraft limit then you will still be operating within the terms and conditions of the account for maybe 20 months (a bit less with interest). They could come back with some sort of argument like this but I think it's a defence that the courts will take more notice of, at least in the first instance.

You could still use your other points but if you do, make the statute barred points high up the list so they get read. However, I think Lowell and the courts would deal with the other points quite swiftly.

nlcpl

Just noticed this in the CRA:

19th Jan 2009 - date of assignment

and from the POC:

THIS DEBT WAS ASSIGNED TO / PURCHASED BY Lowell Portfolio
ON 03/07/2013 and NOTICE SERVED
PURSUANT TO THE LAW OF PROPERTY ACT 1925

:eek: