lowell and lloyds debt dirty tactics

[craig8661]

lowel are chasing my partner for this debt.

 

my partner noticed on the credit file for lloyds all bank charges

they have taken the debt on but have stated in the credit file that we have agread to pay them

and then gone in breach of payment plan

 

any letters on that one was sent back with debt in dispute

or if they have rung we have told them its in dispute

 

we would never agree to pay lloyds as the debt was charges for going 50p over drawn

and ended up with a £1000 bill the debt

 

should also be in my name and my partners

but the chases come in my partners name

 

also account was last used in 2006

 

also if it makes any difference we was on benifits at the time of the unfair charges

[Hardupnotfedup]

claim the charges back, pay the 50p you owe, use paragraphs and punctuation, then people may be bothered to read your post and reply.

[dx100uk]

statute barred probably

 

dx

[craig8661]

i found their letter out it say's they brought the debt in 2013 but last payment to loyds was in 2006.

 

The account went into dispute in 2006 and

 

any phone calls was account in dispute for charges.

 

I think the credit file reported that a payment agreement was made in 2013 but that was not the case.

 

Do i send a stat barred letter or account in dispute to lowell.

 

And finaly is it worth filing for unfair charges at the time.

[Stigman]

Your Credit File will not record any arrangement to pay, the CRA's only record data relating to Balances, Payment History, Defaults, CCj's, Bankruptcy, Addresses including electoral roll, person associations and so on.

They never report agreements that have been made either verbally or in writing.

 

In regards to the reported payment arrangement, did your partner ever write to any DCA admitting the debt? Or make any offer in writing?

 

If no, then it is Statute Barred

 

Stigman

[dx100uk]

prior to lowlife starting to chase

when was the last previous chasers letter sent?

 

tell us a bit more of the history

 

dx

[craig8661]

it started as phone calls chasing me

 

told then unfair charges and was not aware of the amount.

 

Any letters sent apart from the odd one was not responded to only replies was debt in dispute.

 

About 2013 they stopped chasing me and went after my partner we did not respond to any letters.

 

We have decided now to start acting on these to get them out the way

so we can carry on rebuilding our credit

so want to respond to the first demand to this address.

 

I will get my partner to log into her credit file later and will relay exactly what they have put

[dx100uk]

until you know the defaulted date i'd not respond yet

[craig8661]

until you know the defaulted date i'd not respond yet

 

I'm not sure on default date but they closed the account down in 2008

[dx100uk]

cra file should tell you

 

dx

[craig8661]

just an update

 

Went into experion and

 

it says default 2009

 

it is also showing payments on the account over that time

but everything ceased with loyds tsb in 2007

 

ie we argued the debt and also the charges

[dx100uk]

so where have these payments come from then?

 

dx

[renegadeimp]

Possibly lowell and their ficticious payments again?

[craig8661]

so where have these payments come from then?

 

dx

Not us we stopped all wages going into the account as soon as they started with the super high rate charges

[craig8661]

Not us we stopped all wages going into the account as soon as they started with the super high rate charges

 

Also noticed Lowell keep doing searches on the credit file at least once a month

[renegadeimp]

Looking more and more likely that theyve fabricated payments. Time for a SAR.