HSBC old current account overdraft.....Lowell

[rdmanagement]

Where do I start...

 

There is a Current account in my name dating back to the very late 90's when I was a student.

 

 

I had many accounts during university, taking advantage of the many overdraft facilities on offer at the various banks.

Hand on heart, is this account mine? I honestly don't know.

 

At one stage the debt of circa £3k was being managed by Apex Credit Management.

I was young, naïve, conscious of credit reports as I was in the process of buying my first house,

and so I relented and started a payment plan with Apex in say 2003 to 2008, the debt now stands at £2.6k.

 

 

As I became a little more clued up, not as much as you all on here,

I asked Apex to prove the debt was mine as they had bullied me in to paying.

I sent off the £1 fee and nothing came back.

The debt recovery was eventually stopped, and the account reverted back to HSBC.

 

Earlier this year HSBC contacted me via letter and said the account was being dealt with by Lowells, then Hamptons (I think),

and when I pressed for proof that the account was mine, HSBC quoted the 'statute of Limitations Act'

saying they do not keep records beyond 6years, furthermore, my time to dispute the matter with the Financial Ombudsman had expired

as their letter of this year was over 6mts old, coincidently, Lowells letter to me was the day after the 6month time limit had expired.

 

Do I have to pay this debt? Will it show on my credit report?

 

Any advice would be welcome.

[rdmanagement]

Sorry, am error in my post, 6years should read 6months.

[fkofilee]

Check with Noddle. Its free and should show.

If you havent paid it in 6 years then it should be SB. However, complain to Lowells, ask them to supply docs etc

[dx100uk]

I would expect it was defaulted and fell off yrs ago.

never to return

 

CCA request is no good on bank accounts.

 

have you ever gotten all of the statements via an SAR to HSBC

to nail down 'if' you actually owe anything or if its all penalty charges int etc etc.

 

 

dx

[rdmanagement]

What should I specifically ask for on the SAR?

 

 

Although HSBC have stated they have no information as they're not obliged to keep it and have quote the Limitations Act.

 

The last payment to Apex was in 2011.

[dx100uk]

just send the SAR as is

you don't 'need' to quote any account numbers as such

 

 

it s in fo the hold on YOU

 

 

just make sure if you have moved?

 

 

you make ref to any old addresses

 

 

dx