Lowell Chasing (a lot) for a Statute Barred Debt

[Morr]

I have been chased for a number of years by Lowell for a debt.

 

 

They go through phases of really chasing,

then I don't hear anything for a while.

 

 

In May of this year,

the debt became statute barred.

 

 

It has now disappeared from my credit file and my credit rating has gone to good again.

 

 

However.... Lowell have REALLY started chasing the last few weeks.

I have had letters galore,

I have had about 5 phone calls a day and a couple of texts,

and now they have started sending letters,

addressed to me, to my parents house.

 

My question is what action should I take.

 

 

I know the debt is SB,

but I'm concerned by their sudden chasing.

 

 

Do I need to worry?

 

 

Should I ignore it all, or should I write to them?

 

 

I'm concerned as to why they are sending the letters to my parents address rather than mine,

are they trying to get a CCJ by deliberately sending to the incorrect address?

 

 

Is writing to them to tell them a debt is Statute Barred not an admission of ownership?

 

Thanks everyone!

[Andyorch]

Ignore them....but if it does get irritating you could pop them an email requesting why they are sending letters to your parents address with full knowledge they already have yours...and that should they persist you will report them to to the FCA.

 

I personally would ignore..they give up eventually.

 

Andy

[Morr]

Thanks Andy. Is it possible for them to be trying a sneaky CCJ by using an old address?

Or is it not possible to do that due to the age of the debt?

 

I'm pretty confident that the debt was not acknowledged within the last 6 years,

but my memory isn't what it used to be,

so don't want to rock the boat by sending them a letter

and them replying saying I did pay something.

 

 

I have had the date in my diary for some time,

and it dropped off my credit file that month too,

so I assumed I was correct,

but don't want to chance them writing back!

[Andyorch]

If they are writing and chasing you at your address...they have the address and any claim should be directed at that one.(they cant use your parents unless you resided there during the agreement and have failed to inform them of your current address...which you have)

 

With regards to any payments well only you know if you have ever made a payment (I would be shocked if you had to any other than the original creditor)

[Morr]

Yes, I feel it's very sneaky for them to write there.

That was an old address, but they have made contact with me at my newer addresses since then.

 

I was paying them monthly payments but they stopped in 2010 when I had a baby and was on maternity leave.

 

 

I'm 99.9% sure that after that I did not pay anything.

 

 

I do recall a year or so ago trawling through bank statements for the last few years

to see if there were any other payments,

but it's always possible I have missed a one off card payment over the phone as it would not necessarily show up as them.

 

I will sit tight for a bit longer and see if they carry on....