Lowell /resolvecall

Mycatlillyann

Hi i have a statue barred debt, I sent a statue barred letter to lowell and they just kept coming back with discounts via letters I never responded, I have been having text off resolvecall and today a letter do I send a statue barred letter to resolvecall

Thank you in advance for any advice

fatbelly

Have you told them that you won't be paying because it is statute barred?

Draw their attention to

CONC 7.15.8

https://handbook.fca.org.uk/handbook/conc7

Mycatlillyann

I did with lowell I sent them a statue barred letter but resolvecall I haven't answered texts or the letter and thank you I just read that, so I will just send another statue barred letter to resolvecall as lowell sent me a letter stating rc are taking over my account

ManyWays

I suggest instead you send Lowell a complaint saying you told them on dd/mm/yy that the debt is statute barred and that the regulator's rules say

CONC 7.15.8 A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred.

so they should not have asked Resolve Call to visit you.

sourcrates

When a debt becomes statute barred, all that means is a creditor is prevented from obtaining a CCJ against the debtor for that debt, in law it remains payable, its just not enforceable.

But the likes of Lowell like to push things as far as they can, so if you want to have some fun with them, go down the complaints route, otherwise you can just ignore everything short of a threat of legal action from them.

Resolvecall are just a 3rd party collection company with as much importance as your average "just eat" driver, that`s nothing against just eat drivers, but you see where I`m going with this.

Mycatlillyann

That's brilliant thank you so much @manyways could I send that to resolvecall stating that I informed lowell that I am not paying

Thank you

And thank you @sourgrates if no joy il try the complaints route

Mycatlillyann

UPDATE

I sent them this letter

They sent back a letter with 3 random dates on it so I ignored it then yesterday I received this

So thank you for the advise much appreciated

ManyWays

what were the three random dates - were Lloyds saying you had made a payment then? How long ago?

Mycatlillyann

Resolvecall sent me a letter after the statue barred stating default date and last payment and the date that it would be statue barred but they were all random

ManyWays

Can you say what all these dates were and the amount of any alleged payment? You may think they are random, but it helps to know these details

Mycatlillyann

Sorry I am unable to find the letter right now soon as I find it I will post in here