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Lowell Letter (vague threat) - advice appreciated

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Comments

  • If you do pay the creditor you pay what you can afford and you don't have to submit any details.

    If you do this set up a standing order ( not direct debit ) you should be able to go onto their website with your account number and just do it. Under no circumstances contact them otherwise they will try and get you to  pay what they want not what you want.
    If you go down to the woods today you better not go alone.
  • Thanks - should I try and do this before I receive a LBA?
  • sourcrates
    sourcrates Posts: 33,019
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
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    edited 27 July 2025 at 7:30PM
    You still haven`t revealed what your strategy is yet?

    Are you planning on making payment`s/waiting until they become statute barred/just ignoring, what is the plan???

    If you are going to start making payments in all likelihood you will never get an LBA.
    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-letter
  • ManyWays
    ManyWays Posts: 2,659
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    Many Ways I didn't mean ignore a LBA, whet i was trying to say was that if the proper forms are sent then the information is being asked for by the court not the debt collection company.
    An LBA is always from the debt collector; not the court.
  • Thank you all for the advice, I will have a think about my strategy and next steps.
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