Followed previous instructions of letter of claim and followed post 2.. and I soon received these today in response.. saying that its not statutory barred? 2023-05-05overdales LOC return cap1 debt.pdf

attached is letter of claim, didnt take them long from the last letter sent. 2023-06-23 Overdales LOC re Cap1 debt.pdf

ah ok.. see what your saying.. ignore it.. will do

sorry about the images i do need to improve my computer skills massively no i havent sent SAR yet but will do so very soon.

I have uploaded recent letter recieved with overdales solicitors.. i do believe it be a SAR letter sent ? I have also checked credit file with checkmyfile .. and nothing showing for capital one even under any debt collectors names also, nothing on there. lowell passed to overdales + notice of acting.pdf

so overdales is the solicitors i assume? so i can ignore these letters?

Following on from this topic I have now received 2 letters which i think you refer to as being an LBA, one letter has one account on and another has 3 accounts on.. I'm unsure on what the next step is to do, could you kindly please advise? Lowell Action.pdf

Thanks DX No I was not involved with any debt management company or plan. Never have been. Should I therefore ignore all other letters?

I have had a response. They say in the letter (attached) that last payment was made to a previous DCA before them in 2017. I don't re-call another company before them handling it, as it was so long ago. The company who I know now was Perfect Home and I know it was late 2016 when I made a payment direct to them. Could you kindly advise what I should next please? Appreciate your time and help with this. Document_2023-02-12_171008 1234.pdf

@dx100uk Thank you. You are so kind for doing this and appreciate your time.

Hi the following attached accounts do NOT show on my credit file but some say not reported (check my file) The rest are all over 6 years. Does this mean they are also statue barred? I am only paying £2 a month on all of them purely to be awkward........ You can see I've been paying some to Lowells since 2014................. then there's some they started to chase me for in April 2021 out of the blue from when they started in 2016 etc The sky one I think was from old address back in 2013. I am currently with Sky again now and not in any arrears and this has not been mentioned by sky?? I really wish I knew about this site years ago....... lowells (1).pdf

Thanks DX - utterly appreciated - for clarification is this the letter i should send by post

Hi, I am looking for some help please based on a letter I received dated 10th January 2023 that has come from BPO Collections. I was advised by a friend to come here. The letter ( attached) states I owe £6,635 and needs repaying. Based on this information I can confirm the following: 1 I honestly really am not sure what this debt relates to - this is the first correspondence I have had regarding this since living at my address I am currently residing at from June 2012 2- If I was to guess what it is and it really really is a guess (related to a relationship breakdown) is possibly a bill from EDF energy 3- If my guess is right then this would relate to an address I lived at prior to June 2012 4 - having checked my credit file (checkmyfile) there is nothing showing for this amount I am very worried as I am ready to buy my first house at the end of this year with my new partner. Could anyone please point me in the right direction of what steps i need to take please. BPO 10012023.pdf