Confused do I have to pay.

csmw

I have a debt that doesn't appear on my credit file as it's old, do I need to continue paying it as it's not impacting my file. aive asked the debt collection agency and their response is attached. 

I understand it's my debt but I would rather pay more on the debts impacting my credit report than ome that has no effect.

kezzygirl

You made a payment within the 6 years, therefore it is not statute  barred as you acknowledged the debt by making a payment. I would ask when your last payment prior to that is, and establish if there are six years between then and your most recent payment 

lopsyfa

When was the last payment before the payment on 01/05/2020? If this was 6 years before 01/05/2020 then the debt will already be statute barred before you make that payment and once it becomes statute barred, my understanding is, it can't be reversed by you making the payment. Someone with better understanding will come along in a moment to provide a more definite answer. In the mean time, start researching the the last time you make a payment before the one on 01/05/2020.

csmw

Thank you, I've been paying a token payment for about 6 months

Suseka97

Yes, it remains payable if its not statute barred, irrespective of whether it appears on your credit file.  Your only option is to send off a CCA request and see whether Lowell's can provide the requisite paperwork.  If they cannot, then the debt becomes unenforceable and that means they cannot take any legal action to recover the debt and you could then choose to walk away.  If its enforceable then there is always the possibility they could escalate the matter and take legal action to collect if you chose to stop paying - but that rather depends on the amount of debt and whether its worth the bother.
Edit: of course the question remains as to whether the debt was already statute barred before you started making payments to Lowells.