letter from Lowell

AJG384521

I recently had a letter from Lowell saying I owed £600 from a bank account years ago (had a £100 overdraft the rest was from charges). I wrote a letter claiming it was statute barred,which it is. The have written back to me saying it isn't statute barred because I made a payment of 1p on Christmas eve 2009, thats 1p on Christmas Eve.

What would be the best course of action to take now?

HappyMJ

Tell them to jog on...was that a credit of interest by any chance? That doesn't count as a payment.

Marktheshark

Inform them that the parties are now in dispute for purposes of the FOS and if no satisfactory resolution is found the matter will be forwarded to the FOS on a complaint of fraudulent and mis-leading statements and practices .

They do not need you to tell them what counts as payment, they already know.

sourcrates

AJG384521 wrote: »

I recently had a letter from Lowell saying I owed £600 from a bank account years ago (had a £100 overdraft the rest was from charges). I wrote a letter claiming it was statute barred,which it is. The have written back to me saying it isn't statute barred because I made a payment of 1p on Christmas eve 2009, thats 1p on Christmas Eve.

What would be the best course of action to take now?

Remember, they have to "PROVE" you made the payment, word of mouth, or hearsay, is not sufficient, a payment by a 3rd party would not count, write back and "remind" them of this, and reiterate the account is SB.
If they issued a claim against you, you would have a full defence.