Lowells Help

smalandcute

Wondering if anyone can help.

I have received an email from Lowells Financial in regards to two very old Utility bills, one  for over £500, leccy and disconnected march 2015 and one for less then £50, TV subscription, disconnectedmarch 2017. 

I sent them a prove it email and they came back with some paperwork. Neither of these debts are on my credit file and I am yet to reply to Lowells communications.

What should I reply with? As these debts are not on my credit files I do not acknowledge it so how best to proceed?

TIA

RAS

Start by reading this

Statute Barred Debt & Debt Recovery. StepChange

Unless they have already taken legal action, or you have paid anything in the last 6 years, the 2015 debt is probably statute barred.

Lowell bulk buy debts for very little money (a few p per pound) and hope to extract something in some cases.

smalandcute

Thank you. Yes no acknowledgement or payments to either debt.

Will send a statute barred for the leccy one but still not acknowledge the other one? Lowells has not provided proof of debt owed, they have stated that the company uses paperless billing so no bill to show but the company has sent them proof which has not been provided to myself.

smalandcute

My bad,

Leccy bill was sent beginning of Jan 20216, leccy supply was stopped Dec 2015.

RAS

When did you last pay the leccy bill?

That's the burning question. Do you have copies of your bank statements?

smalandcute

I haven't paid this leccy bill since before the supplier was switched De  2015. No I don't as bank with a different provider now.

smalandcute

Just to add, I am not aware of a default being applied to either debt.

smalandcute

@RAS @sourcrates, @fatbelly

Thoughts on how to proceed?

sourcrates

You said it yourself, send the statute barred letter, see what rubbish response they come back to you with.

fatbelly

smalandcute said:

My bad,

Leccy bill was sent beginning of Jan 20216, leccy supply was stopped Dec 2015.

If you pushed me on what the 'cause of action' was I'd say Dec 2015. So unless you're in Scotland it's not statute barred yet.

smalandcute

Thank you @sourcrates. As its not quite deemed statute barred yet I will send another non acknowledgement to them.

@fatbelly I am in England so not quite at the 6 year mark.