Debt Collector letter - advice need asap

Help_needed

Hi everyone

This is my first time at this chat room stuff....

I had a letter from a DCA (Lowell Financial) in July wanting £600. I asked for some proof. They have just sent me a statement (took them 3 months to sent it) from, they say Capital One but there is no names on the statement just dates and figures. The last purchase was 12 Oct 2001. After this date is late payment charges.

Please can anyone tell me how to reply
and if the 6 year thing apply's.

Many thanks

fermi

How did you ask for the proof? Did you acknowledge the debt in writing?

This is a debt that could well be covered by the Limitations Act.

Read through the info at: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

If you have not acknowledged the debt in writing by you or by payment by you for a period of 6 years then the debt is "Statute Barred" under the Limitations Act.

If you think this applies then you can send the letter at the end of the above link and that should be the end of the matter.

Help_needed

Thanks

I firstly contacted them by phone.
I have not wrote or said i would make any payments.

I asked for more info as the letter thay sent to me said i have an amount outstanding....

Help_needed

Hi

I requested further info..

I had a letter from lowell saying they would try and get back to me within 28 days. But not heard anything yet!!!!!!

Today i got a letter from Mackenzie Hall.
Are they the same company????

Help_needed

Hi

I sent a letter to DCA on 2nd Nov asking for credit agreament etc.
I've not had anything back yet.
Should i chase them or now for answer???

Can any one help?

eyeopener2

Don't bother chasing them just sit and wait because they will be back. Nothing surer.It wouldn't suprise me if this gets passed around a number of Debt Collectors but as you have already put this into dispute with one they are acting against the OFT guidelines at the very least.The debt is in dispute don't do anything until they come back with the Agreements.in the mean time............Check out the Consumer Action Group forum for some excellent advice, letter templates etc.

itsnever2lateisit?

Somewhere around this board is a template for a further letter you can send informing them that they have committed a criminal offence, by not meeting your request, you should also report them to Trading Standards and the OFT regarding their failure to comply

rog2

Just send a copy of the 'statute barred' letter to both Lowell and MacKenzie Hall.
I do not think that they are 'the same company' but they certainly share the same DNA.
Make sure you send the letters by recorded delivery.

jings_2

I wouldn't chase them, they'll be back!