Lowell chasing old additions account

[Doingmybest]

Hi guys.

Started getting texts, emails and letters from Lowell for an old Additions account.

I had already SAR'd Barclays and have the paperwork. It seems the last credit to the account was around 2004.

 

Should be statute barred except I've been making token payments until 2014.

There is nothing on my credit files. I know that Lowells have a tendency to add defaults well after the fact so I'm keeping an eye out and will act to get it removed if they do.

 

Reading other posts I know that the clock kept running due to the token payments so not SB. However I'm not sure if Lowells have that info and are just chancing their arm.

 

I'm tempted to send a prove it letter to get them off my back. Not sure whether to do that or just ignore them. Any advice would be appreciated.

[Sidewinder]

Personally I wouldn't get involved in any letter tennis at this stage wait until you get something that looks like a Letter Before Claim and then CCA them. There will also be a lot of late payment and default charges on the account that you could go after.

[slick132]

Hi DMB,

 

As you rightly say, the token payments made up to 2014 mean the a/c is far from Statute Barred.

 

However, I hope the a/c is no longer showing on your CRA files as it should have dropped off long ago. Is this the case ?

 

Reclaiming default charges may be difficult as this is a bank current a/c.

 

However, you may be able to reclaim Add'ns Fees if the a/c was upgraded to Add'ns without your knowledge or consent.

 

[Doingmybest]

No longer on cra files.

Think i'll have to wait until Lowells make a claim and respond then.

 

I'll need to do another sar as the last one went up to 2009.

[Sidewinder]

Apologies - I had missed the 'Barclays' word and believed this to be an Additions catalogue account.

 

Please disregard my post

[slick132]

Ok, let us know if the SAR shows up anything.

 

Do you accept that you knew the Additions status of the a/c and that it was upgraded WITH your knowledge.

 

[Doingmybest]

I will update once I've got the SAR. Thanks