Ok. Seeing as you're getting aggressive and not answering my question, I think it's best to leave the conversation there. Thanks for your help prior to this stage.

Again, I mean with respect to the address update

Fair point, wouldn't an SAR do the same in a broader context?

Sorry, I did mean letters for the address change to avoid a backdoor CCJ like you mentioned or would the SB letters do that as well?

Oh, well that does muddy the water somewhat! I know it's a simple letter but is there a template? As I am unsure how to word it to reference to me without quoting a reference number and potentially admitting to a debt by accident? Also, would sending them an SAR do any damage to my current situation with the 2 debts vanishing from the letters?

Yes, twice… Why?

I've wondered this for ages. It's not on every company name but some: What does this mean? credit file oddity.pdf

They sound so nice about it, maybe I should call them and give them all my details to really get their version of Peace of Mind lol! I think I'll wait until the "Discount" letters start flooding in and no doubt (based on their track record with me) they'll send through a 70-90% discount offer... Which if they do, I may consider. Consider which bin to put it in

A quick update on my Lowell accounts... Both the potentially SB debts have dropped off from the letters, leaving only the debt from the CCJ back in 2003/4 or whenever it was. Lowell debt gone.pdf

Not yet, I wanted to wait until both debts had passed the 6 year mark before doing anything. I am actually tempted to fire off an SAR first, just to see what they have in total. I sent an SAR to Lowell a few years ago and it resulted in then removing 4 accounts they had for me as they had no paperwork to back up the debts.

Sorry for the delay in replying, I have been dealing with life events. The debts/defaults are from Shop Direct and are £300 and £340. I've not made a single payment nor engaged with Lowell about them in any way.

Hi all, I’ve have 1 debt become over 6 years old from the date of default and another about to become 6 years old in 2 weeks (26th June). Both are with Lowell. Presently I’m just getting the usual discount letters and alike, no letters of claim or solicitors letters. Am I correct in thinking that both debts will be Statute Barred on the 27th(with the first already being SB now?) If so, what letters should I send and when? Should I wait to send both letters on the 27th or should I send the first now? Just concerned it would trigger them to issue court proceedings on the remaining debt with just 2 weeks to go. Thanks to anyone that helps.

Thanks for your reply dx, I agree that in some cases that may be true but I may be in the minority where Lowell were able to create a (actually, 2) credit file report under their name for a debt they’ve purchased and then defaulted it. The default date differs from the original creditor default date so it’s 100% Lowell’s own default date. Photo.pdf

Thanks for the welcome and reply! I may have worded it poorly. Previously, Lowell have added their own account number to a purchased debt and then added it to my credit file as a new account and then subsequently defaulted it, I was just concerned that they may try it with this debt too.

Hiya folks! Like many others, I have recently received letters from Lowell and Hoist saying that they've now joined. I have a CCJ from my younger, irresponsible days, 15-20 years ago that was most recently with Hoist, originally with GE Capital, will this CCJ now re-appear on my credit file? Or, will the debt now show on my credit file under Lowell as a "new" debt/default? With the time that has passed and multiple address moves, I don't have any paperwork for the CCJ so I can't work out the exact dates nor can I remember if I paid anything towards it. I am in a position where all of my recent bad debt has been paid and will all (bar one) drop off my credit file in June and I will finally have a good credit rating and I don't want this to ruin everything I've been working towards over the last 10 years. I'll be happy to pay it but that won't be for 3-4 months and don't want Lowell to ruin my credit file before I can act.