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Lowells and statute barred debt
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harry_et
Posts: 14 Forumite
Hi all
Lowells have been ringing me and sent me a letter for a statute barred (and disputed) debt of £34 from 2011 from EE
They have just bought this debt so I rang them to remind them it was statute barred.
I was then put through to an "expert". He claimed I had another debt with Barclaycard.
I did have one, but it's from the same period 2012 I think. It fell off my credit file years ago.
The expert said that as "legal" papers were prepared in March 2019 then I still owe the debt. I asked him if there had ever been a judgment and he agreed that there wasn't one but the fact that legal papers had been drawn up (not sure who by?) Meant that the debt is still live?
I'm presuming that this is complete garbage.
Just thought I'd check
I don't know how these crooks sleep at night
Lowells have been ringing me and sent me a letter for a statute barred (and disputed) debt of £34 from 2011 from EE
They have just bought this debt so I rang them to remind them it was statute barred.
I was then put through to an "expert". He claimed I had another debt with Barclaycard.
I did have one, but it's from the same period 2012 I think. It fell off my credit file years ago.
The expert said that as "legal" papers were prepared in March 2019 then I still owe the debt. I asked him if there had ever been a judgment and he agreed that there wasn't one but the fact that legal papers had been drawn up (not sure who by?) Meant that the debt is still live?
I'm presuming that this is complete garbage.
Just thought I'd check
I don't know how these crooks sleep at night
0
Comments
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This is a perfect example of why you should never call a company such as Lowell.
They can put ideas in your head, and twist the facts to fit their script, making you question what your previously thought was right.
Anything and everything to do with debt should be done in writing only, where you set the tone, not them.
They actually have to start a claim through the courts, first by sending a pre-action letter, then followed by a claim pack if not resolved.
If none of that took place, then they did not start a claim, and your debt will in fact be statute barred.
You should put all this in writing, and send it to Lowell, and stay off the phone in future.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
And if they did start a court claim they would be able to give a court reference that could be checked with the court.
It could well be that the court would not have records from that time anyway so good luck to Lowells in enforcing it.1
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