Lowell!!

ladyjayne1983

Really having a tough time with Lowell. 
I have been arguing with them for nearly 1 year now about my Statute barred debt, which may i add is not my debt to start with but of an ex. They write letters to me, (without proof) to tell me that my debt is not statute barred, i know for certain this debt is not mine and over 6 years old, but marking my credit file with a default starting 2017.
Can anyone help me write a template letter to fight this battle. 
Many thanks in advance.

[Deleted User]

If they cannot provide proof that it's your debt, tell them to remove the markers from your files.

If they don't, go to both ICO and FOS.

jimbo26

Here you go, a template letter to send them https://www.stepchange.org/Portals/0/documents/info/Statute-Barred-Template-Letter.pdf
Keep things simple, just send the letter and don't try to flower it up, as some people over complicate and confuse matters by going on about stuff that isn't relevant. 

ladyjayne1983

Zx81 they have my details on this debt but it’s fraud I believe. They won’t take me on, just threatening me with courts etc. 

Jimbo26 I’ve been using that template from step change already they just keep coming back with the same threats and disregarding it. I was hoping for the next step to send out, mainly to remove the false information from my credit file. 

These people are just ignorant and horrid and from what it seems, don’t care about anything but money!

sourcrates

You say one thing, they say another, only resolution is to let a court decide, that’s it.

Tell me why you think the debt is statute barred please.

ladyjayne1983

Because i know its over 6 years old

jimbo26

I guess there is nothing more you can do. Ignore them and if the issue a county court claim you can have your day in court.

Willing2Learn

sourcrates said:

You say one thing, they say another, only resolution is to let a court decide, that’s it.

Tell me why you think the debt is statute barred please.

ladyjayne1983 said:

Because i know its over 6 years old

An eligible account will only become statute barred if you can answer yes to all of the following:

1. it had been more than six years since you last made a payment; and
2. the creditor has a cause of action more than six years ago; and 
3. you haven’t acknowledged the debt in writing during this time; and
4. the creditor hasn’t already gone to court for a CCJ.

The 'cause of action' will normally be the date of default.

money08

I have just got a letter from PO Box 300, Northampton, NN1 2TX  and googled it and all are sayings its the cursed lowells. However I have also just taken bulb energy to small claims court and on the verge of returning the letter not known at this address I thought I would check and it was the court notice sent to bulb energy. Just to make identifying the bailliffs even harder

sourcrates

ladyjayne1983 said:

Because i know its over 6 years old

In a recent appeal court ruling, the cause of action date for most types of loan, is now deemed to be the default date of the account, do you know the default date ?

If its been more than 6 years since default, then you may be correct.