Lucas Collection Agency, for Lowell, vanquis debt - Statute Barred?

[trubster]

Quick Question,

 

I got a letter about an alleged debt with Lowell from Lucas.

 

I sent a CCA request with a £1 postal order,

 

got a letter back a month later saying "No payment was enclosed, so your request can't be dealt with"

(Appears to be a tactic to get a phone call to complain... I didn't bite)

 

Then I get a copy of an online application form for a credit card from the CC Company a few weeks later

 

Then a few weeks after that, I get a statement of account for the same credit card, with a copy of the online application form.

 

Then yesterday I get a letter asking me to pay for a 60% discount if paid in 1 go, 30% if paid over 3 months or 0% if I make a longer term payment plan.

 

I looked and the last payment was over 6 years, and also the account was "Closed - Writeoff" by the CC Company over 6 years ago too.

 

Am I right in saying this is Statute Barred, I have made no other contact with them (Or any other DCA) apart from the single CCA request?

 

Thanks in advance.

[dx100uk]

it looks that way

 

 

can you name names

 

 

and is this debt on your credit file?

 

 

dx

[trubster]

it looks that way

 

 

can you name names

 

 

and is this debt on your credit file?

 

 

dx

 

The original creditor is Vanquis Bank, then it looks like Lowells took it over and Lucas are collecting for them.

 

Not sure on credit file, I am in the process of ordering statutory reports, I have Noodle and it's not on there - but there are a few more that are over 6 years old... I was rather stupid in my younger days

[ericsbrother]

then send them a letter saying it is SB and tell them to cease all communication with you.

[trubster]

Thanks for that

[trubster]

I have looked over the documents again, The last payment was in December 2008 (Although it appears to have been reversed due to DD not being collected)

 

The account was closed in July 2009 - Presumably sold to Lowell.

 

I have a few defaults and need to try and match up all 3 credit reports to see what's what.

 

Im sending this letter to them - http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred-**Update-21st-April-2014**

 

Is Without Prejudice really needed in this letter?

[renegadeimp]

Just send the SB letter. Its obviously SB or they have no paperwork, which is why they are offering discounts.