lowell offer reduction

[janis6670]

letter today from Lowell offering reduction on an old catalogue debt, they said it is equivalent to charges and interest previously applied.

do I accept?

[renegadeimp]

No. get the full facts first. A discount, especially from lowell is normally an indicator that theres something wrong with the debt.

 

CCA first, reclaim charges from the OC and go from there.

[janis6670]

cheers renegade, I just needed that confirmation.

[mikeymack2002]

You may also want to find out if they have the agreement as well so you may wish to send off a CCA request as well from the library here

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

 

 

This costs £1-00 and they have to supply you a copy of it, it must include the t&c's as well within 12+2 days. Especially if you took it out prior to 2007 then they will need to send you a SIGNED copy. Send this off to the original creditor then wait to see what comes back

[janis6670]

Lowell's response to the SB letter I sent is that the last payment received was in September 2010 and they are still entitled to request payment.

 

I am and have always been in Scotland, so 5 years applies.

 

I have replied stating that my final response is that they have admitted that it is SB and asking for their confirmation.

 

Is that ok?

[havinastella]

Did you sent the Scottish SB letter?

[dx100uk]

why send the SB letter anyhow

 

 

in Scotland

if the debt was taken out whilst resident there

its totally extinguished now.

 

 

ignore them.

 

 

dx

[janis6670]

Yes I sent the Scottish letter and I sent it because Lowell attempts to get a payment were becoming annoying

[citizenB]

No harm done and having sent the letter then hopefully you wont hear from them again

[dx100uk]

is this that catalogue debt

[janis6670]

yip

[dx100uk]

ok i'll merge for history.

 

dx

[mikeymack2002]

Lowell are notorious for getting debtors to cough up with a fight. Stick to your guns and follow through.. Stay strong... Good luck too...

[janis6670]

You should be aware that the period for recovering your debt by court action has very recently expired, so we will not be issuing court proceedings to enforce payment. However, your debt still exists and legally we are within our rights to continue to ask you for repayment. As you have made it clear you will not be making payments towards this account, I have passed this account onto the relevant department who will close this for you

 

This is the response I have now received. Its not really worth entering into any further communication is it?

[renegadeimp]

Begging letter. Ignore it and move on With your life.

 

Congratulations

[Guest]

You should be aware that the period for recovering your debt by court action has very recently expired, so we will not be issuing court proceedings to enforce payment. However, your debt still exists and legally we are within our rights to continue to ask you for repayment. As you have made it clear you will not be making payments towards this account, I have passed this account onto the relevant department who will close this for you

 

This is the response I have now received. Its not really worth entering into any further communication is it?

doesnt a scottish barred one get 'extinguished'.

 

anyway, they are closing it. no further comms required

[renegadeimp]

I love how even though they had a major defeat by the OP, they still have the gall to try and extort money out of you. Even though theres nothing they can legally do to get you to pay. Pure ****. I'd be of the mindset to let them continue contacting ,e then after a good log of their attempts to get money, file a complaint then legal action for harassment.

[janis6670]

thanks for all the help and advice. If they don't contact me I wont contact them.

[renegadeimp]

Don't contact them at all. You've won.

[dx100uk]

You should be aware that the period for recovering your debt by court action has very recently expired, so we will not be issuing court proceedings to enforce payment. However, your debt still exists and legally we are within our rights to continue to ask you for repayment. As you have made it clear you will not be making payments towards this account, I have passed this account onto the relevant department who will close this for you

 

This is the response I have now received. Its not really worth entering into any further communication is it?

 

 

the op is in Scotland

 

 

the debt tis TOTALLY EXTINQUISHED gone dead parrot

after 5yrs.

 

 

dx

[Guest]

doesnt a scottish barred one get 'extinguished'.

 

anyway, they are closing it. no further comms required

unless then you want to take them to task re making false statements?