I am looking for advice please.
I had major debt issues starting in 2018. April this year all my debts were prescribed under Scots law.
All companies wrote to me saying accounts were closed and amounts zeroed. Including lowell.
All companies closed the credit file reporting zero balances and account satisfied, apart from lowell who continue to report open and owing.
I have complained to them and transunion and also now the ico.
All three continue to say lowell is in the right ie the 6 year default date etc.
However , how can this be as ,
is it not the case that prescribed debts in Scotland cease to exist unlike englands where its just not legally enforceable.
I have no problem that they want to report for 6 years , my issue is it should be accurate.
In my mind the debt ceased to exist in April, not open and owing as lowell are stating.
I have re complained to the ico and also complained to the fca and fos.
Any advice please?
Am I right that prescribed debt is different to statue barred?
Many thanks