Lowell next step assessment letter

Anhar999

Hi
I've had a letter from Lowell referring to a mobile phone contract. At the time I was suffering from mental health issues (diagnosed depression, un-diagnosed BPD) and took out lots of credit in a short space of time.

I'm wondering if I can argue this debt on these grounds?

Any help would be greatly appreciated

The Tesco mobiel account deafult date was 22/06/2014.
Its coming quite close to the stat barred date is therr anything i can do to delay their legal action.

Thank you 

[Deleted User]

If you can evidence they knew about your health problems, then yes.  But I'm assuming you didn't tell them at the time, in which case they couldn't have known.

Anhar999

Will be 6 years next month since default date. Is there anything i can do to make sure it goes pass that date etc 

Anhar999

And avoid legal action taking place 

[Deleted User]

Have you checked the debt is enforceable?

Anhar999

Can you advise me how i can check its a tesco mobile account 

[Deleted User]

You ask them to evidence that you owe the debt.

Anhar999

Tesco Mobile have informed us that a payment of £1.00 was made to this account on 08/09/2014.

 

This is because the full balance became due after you defaulted on the original agreement. According to Tesco mobile, the Default Date was 22/07/2014 and the debt remains enforceable for 6 years after this date.

D3xt3r5L4b

There you go then 

sourcrates

Hi,

Is this the first letter from Lowell ?

They will usually run through there standard range of computer generated rubbish with you, this may take a few months, a good way to stall them, and a recomended first response, is to ask for evidence of the debt, now as its not a consumer credit act related debt, there will be no credit agreement, and the days of signing airtime agreements are long gone, non the less, a creditor must provide evidence of liability when asked to do so, so get writing, send them the provit letter, available from the sticky thread on Debt Free Wannabe.

Make them work for there money, with the situation as it is at present, courts are not fully working anyway, and neither are creditors, so it could take you well past July before any evidence is forthcoming.

Anhar999

sourcrates said:

Hi,

Is this the first letter from Lowell ?

They will usually run through there standard range of computer generated rubbish with you, this may take a few months, a good way to stall them, and a recomended first response, is to ask for evidence of the debt, now as its not a consumer credit act related debt, there will be no credit agreement, and the days of signing airtime agreements are long gone, non the less, a creditor must provide evidence of liability when asked to do so, so get writing, send them the provit letter, available from the sticky thread on Debt Free Wannabe.

Make them work for there money, with the situation as it is at present, courts are not fully working anyway, and neither are creditors, so it could take you well past July before any evidence is forthcoming.

Hi its not the first letter from them, i keep on getting the same generic ones saying they want to help me lol. Can you please recommend some templates i can send to them.
Thank you