Global Debt Recovery chasing 10yrs old Lloyds account

[woodrisingphil]

Hello, first timer here.

 

I got a call from Global Debt Recovery last Wednesday, i confirmed my name etc and then was told that they were acting for Lloyds Tsb, and that i owed £5323.41 plus interest of £3518.49 accrued over the last 10 years.

 

I admit that i had a Lloyds account, but when i moved away in 2000 i opened another account with another bank and things have been good, i thought that i had got my life together. I had payed off several old debts through various companies and had had no correspondence with Lloyds at all, even though i had a redirection of mail when i moved. I assumed that maybe the debt had just been written off, but then 13 years later i got this bolt from the blue.

 

I received a letter on Saturday with details of the debt and a computer screen print out apparently supplied by Lloyds, with the address on it that i lived at 13 years ago.

 

Should i try to find a lump sum or make a payment plan or just offer them a lower amount?

[ims21]

If you have made no payment in a clear period of six years (5 in Scotland) or acknowledged th debt in writing in the same period then this is statutory barred.

 

If that is the case then send Global the Statute Barred letter from the CAG library, the link to which is at the top of every CAG page in green.

[ims21]

Thread moved to the Debt Collection forum and title changed a little.

[dx100uk]

just to be sure

 

get your cra file

 

see below

 

dx

[Bazooka Boo]

WoW, is this what they have resorted too? Selling on of historical debts to fund their own corporations?

[woodrisingphil]

hi there, thanks for your advise. Went to Noddle and checked report, it went back to 2003 and there was no mention of Lloyds and i had no judgements. Shall i send the Statute Barred letter now? should that be the end of it then?

[dx100uk]

upto you

 

there is merit in not ever answering a dca

as it put a marker on their phishing list

that a mug responed

and does sometimes open you up to

endless letter tennis.

as they sell the lemon debt around on a phishing list.

 

if this were ME

and i'd never received any other letters prior to this one from anyone

i'd not send anything.

 

however, if you've been getting odd 'reminders'

sending the SB letter nails your view firmly to the flagpole

 

 

dx