Lowell chasing money,

DebtFree20

Hey Everyone,

Never really been in this position before, usually when a debt comes through the letterbox I will just set up a payment plan with whatever company and carry on until the debt is cleared, but this is really stumping me and I genuinely don't think I owe the money.

I have a statement from Lowell dated 2/1/20 which informs me I owe three separate companies a total of £2080.85

The three companies are

02 UK Ltd owed a total of £713.17 since 19/03/2013
Vanquis Owed a total of £143.87 Since 29/04/2015
Capital One owed a total of £1223.81 Since 27/05/2016

As I have said, I usually will just set up a payment plan but this is a lot more money than I've ever been chased for and disagree that I even owe the money. I have a credit card with Capital One with a credit limit of £200, this is in good standing and was taken out quite recently, if I owed them £1200+ I surely wouldn't then be accepted for another?

Who would I have to contact to get proof of these debts? I have never made a payment toward any of these debts, I actually didn't know of the debt as I'm not being actively perused for this debt, I just get these statements every 12 months.

Am I correct in thinking that after a period of time a debt will become unenforceable if no money has been collected for that debt?

Willing2Learn

Hi DebtFree20 and welcome to the forum

Since you say you know nothing about these accounts, then you should write to Lowell, disputing the accounts. Personally, I would send out three letters, one for each account.

For the Vanquis and CapitalOne accounts, you can send Lowell a standard 'prove it' letter for each account. I suggest using the template linked below:
https://forums.moneysavingexpert.com/showpost.php?p=34910935&postcount=1


For the O2 account, I suggest sending Lowell a hybrid letter stating that you have no knowledge of the debt AND that it would be statute barred regardless. Use the letter template linked below:
https://forums.moneysavingexpert.com/showpost.php?p=76061221&postcount=5


The letters should be sent via Royal Mail

sourcrates

Agreed, the O2 account is statute barred, so you need to tell them that, as for the others, send the provit letter as advised above.

Willing2Learn

Just thinking about this. I would also check my three credit files to see if these 'mystery' accounts are incorrectly recorded on my files.

DebtFree20

Thank you for the advice I will get on and do the letters now.

On the letter there is an address for a PO Box, is this the best address to send these too? or is there another address for this kind of thing?

Willing2Learn

I would send it to whichever address is on those letters you have received...If you have any doubts, then I suggest you phone them up to confirm their address.