Lowells Debt

hoverFrog1

The debt became statute barred on the 19th November, at least according to my records. I thought I'd stop hearing from them. The date of default being 20th November 2018.

Yet I got an email from them last night, just a standard, "Action is required on your overdue account" email.

Should I write to them pointing this out or just keep ignoring them?

fatbelly

hoverFrog1 said:

The debt became statute barred on the 19th November, at least according to my records. I thought I'd stop hearing from them. The date of default being 20th November 2018.

Yet I got an email from them last night, just a standard, "Action is required on your overdue account" email.

Should I write to them pointing this out or just keep ignoring them?

Probably statute barred on 21st then. I'd continue to ignore unless you get a preaction letter

sourcrates

This is the point collection activity ramps up, it shouldn`t be like that, and they have had their knuckles rapped before for such activity, but its the nature of the beast to take it as far as possible to get them a payday.

Ignore unless the situation gets silly, then send a statute barred letter to them.

kentguy07

I wouldn’t offer them anything since it’s months away from being timed out just dispute the debt and ask for proof of it and by the time they get back to you it’ll time out 

hoverFrog1

Strangely I'm still getting a monthly email from them though I continue to ignore them.

sourcrates

hoverFrog1 said:

Strangely I'm still getting a monthly email from them though I continue to ignore them.

The computer is set to generate that email every 30 days, that`s how debt collection works, just to let you know they haven`t gone away.