Help with Red please - **SUCCESSFUL OUTCOME**

[BRIGADIER2JCS]

The ''challenge'' must first be made to the DCA they have to amend it it, a notice of dispute should be sent to the CRA.

[viking99]

Ive just received my experian/creditexpert pin and have checked my credit file. There is zero record of Lombard on it, nor are there any searches by Red/Lowell et al. The only recent searches have been generic from my experian application, car insurance and car purchase etc. It says my credit score is 'excellent' with a score of 967. It seems way better than I was expecting. Considering Lowell reference experian on their letters I'd have expected some sort of search registered by them but - there's nothing.

 

Any ideas??

 

I have not yet had a reply to the statute barred letter but it was only posted on Monday.

[BRIGADIER2JCS]

Waitb for the response to the SB letter!!

[viking99]

Does what I have described seem "normal"?

[cerberusalert]

They are more than probably well aware that it is SB so searching your file would be pretty futile.

 

As for the words normal and debt collector in the same sentence is somewhat of an oxymoron.

[BRIGADIER2JCS]

The MORON being the most appropriate part.

[viking99]

I received a letter today Here's what it said:

 

We have discovered that section 5 of the limitation act 1980 now applies to your account and we will no longer be asking you for payment. We will not send you any more letters and we have now closed your account with Lowell.

 

I would like to offer a huge thankyou to all who have offered advice on this. I would also urge anybody in a similar predicament to utilise the excellent advice on here sooner rather than later. I have had a few years of worry and it was all unnecessary. If only I sent that statute barred letter 18 months ago, I'd have a few less grey hairs.

I hope somebody in similar situations finds comfort in reading this conclusion I must have read this entire forum trying to find a happy outcome to a similar situation as mine in order to put my mind at rest - I found most threads ended up dead-ends though with no clear conclusion.

 

This is my happy ending and I couldn't have done it without the knowledge base on here.

 

Thankyou

 

Cheers everybody

[KaptRoger]

Excellent news! Keep the letter. You never know if you will need it in the future.

[BRIGADIER2JCS]

Good result!!!!

[citizenB]

Excellent news - yes - do keep that letter somewhere safe and also keep an eye on your Credit files to ensure that any entries are now removed.

[rc14]

I like Lowells efficiency and agree with Cerberusalert

 

"We have discovered that section 5 of the Limitation Act 1980 now applies to your account and we will no longer be asking you for payment. We will not send you any more letters and we have now closed your account with Lowell."

 

Thought the above would be apparent when Lowell did not update the default on your credit file. The first action is ussually to change the existing default into their name, but as there was no search record it appears they skipped this? Report to OFT and ICO.