Lowell/Littlewoods

[lee_st3]

Hi Guys,

 

I'd be interested for your thoughts and advice on this.

 

I was recently contacted by Lowell with regards to a very old Littlewoods account.

I CCA'd them, and they were able to provide a signed CCA from 2007.

 

Here is the interesting/confusing bit-

 

Outstanding Balance - £183

 

Last Payment - 10.05.2010

Default Date - 11.04.2011

 

It seems it had taken Littlewoods 11 months to default the account

(there was no contact between myself or them in that time frame).

 

 

Would I have a leg to stand on by going down the statute barred route from the last payment date?

 

Cheers

[Stigman]

The account is now Statute Barred, you go by the last payment or acknowledgement date.

 

Are you being chased by any DCA?

You can now ignore everything unless it is a claim form.

 

You can go to the ICO about the default date if your worried about your credit rating, the default should be registered within 3 months.

 

Stigman

[lee_st3]

Hi Stigman,

 

Thanks, much appreciated.

 

No claim forms, they are just trying for the money. I will now send them a statute barred template

 

Cheers

[Stigman]

You can send if you wish but the main consensus now is to ignore everything bar a claim form.

 

Stigman

[lee_st3]

Thanks Stigman, i'll leave it then and hold out to see if anything does turn up.

 

I have queried/complained to the ICO with regards to the date of default

 

Cheers

[Stigman]

Thank you, keep us informed of any developments.

 

Stigman

[ericsbrother]

many companies are redefining how they decide when the default date is and this is to the detriment of the individual.

 

 

they will claim they spent a year trying to reslove the matter before the default marker was placed on your file.

 

 

The reality is they are just stretching out the SB clock as far as possible.

 

 

Some companies have gone almost 6 years before placing a default on an account

(again, darednt go over as that will automatically be SB and then they will get done by the ICO)

[dx100uk]

pers I wouldn't bother entering into letter tennis

 

 

the debt is SB'd

if they are stupid enough to file a claimform

our SB defence will kill it dead.

99'9% of DCA letters are solely sent to invoke a response

DONT!!