Lowells and various debts

[Pinklily83]

Hi 

the following attached accounts do NOT show on my credit file but some say not reported (check my file)

The rest are all over 6 years. Does this mean they are also statue barred? I am only paying £2 a month on all of them purely to be awkward........

You can see I've been paying some to Lowells since 2014.................

then there's some they started to chase me for in April 2021 out of the blue from when they started in 2016 etc

The sky one I think was from old address back in 2013.

I am currently with Sky again now and not in any arrears and this has not been mentioned by sky??

I really wish I knew about this site years ago.......

 

lowells (1).pdf

[dx100uk]

ok i know you're new to this and it's a lot take in 

but one thing we must be very careful about is your pers details and the fleecers find things in your uploads that identify you to them.

i've blanked out the account number

and also converted you .docxfile to PDF

docx file have all your pers details in file info/properties.

now regarding the accounts above.

if you've not paid a debt in the last 6yrs or a period of 6yrs existed before you started to repay it again, then a debt is deemed statute barred

only you can work that out as we dont have all the required details.

the fact you might now hold an account with the original creditor and have an old debt with them you are being cash cowed by a DCA has no relevance, they sold the old debt on and wrote it off against their taxes/insurance they had and sold it for 10p=£1 and the DCA's scam you for the whole sum.

pers id just stop payments on all you debts

you'll get a forest of letters

but until you ever get a Letter Of Claim on any one of them

you are safe to ignore every letter you get from lowells.

do not ever ever talk about debt over the phone/email/txt.

block their numbers

report texts to spam 7726

block and bounce all emails and their addresses.

sorry you appear to have been royally cash cowed.

a DCA is NOT A BAILIFF!!

[Pinklily83]

@dx100uk Thank you. You are so kind for doing this and appreciate your time. 

[Pinklily83]

Following on from this topic  

I have now received 2 letters which i think you refer to as being an LBA, one letter has one account on and another has 3 accounts on.. 

I'm unsure on what the next step is to do, could you kindly please advise?

Lowell Action.pdf

[dx100uk]

threads merged

 

nope 

a Letter of claim will come from overdales

and it will have a reply pack wanting things like I&E

 

 

[Pinklily83]

so overdales is the solicitors i assume? 

so i can ignore these letters?

[dx100uk]

ive moved your thread to the debt self help forum

 

Debt management and Debt self-help - Consumer Action Group

 

have a good read of 10-20+ threads here.

you'll soon get the idea how to play all these debts.

 

dx

[London1971]

I've had a stack of these 'pre legal' assessments from Lowells over the years , none of them led anywhere. Clue is in the language used lots of 'coulds' and 'mays'.  Only Caveat is make sure you have informed them, in writing of your correct address if you have moved.

 

 

[Pinklily83]

I have uploaded recent letter recieved with overdales solicitors.. i do believe it be a SAR letter sent ?

 

I have also checked credit file with checkmyfile .. and nothing showing for capital one even under any debt collectors names also, nothing on there.

lowell passed to overdales + notice of acting.pdf

[dx100uk]

SAR letter sent?

next time please take the trouble to ROTATE your images and merge them to file properly named file.

 

[Pinklily83]

sorry about the images i do need to improve my computer skills massively  no i havent sent SAR yet but will do so very soon.

[dx100uk]

why?

dont invite pointless letter tennis

already told you what and not to do with your debts earlier here.

 

dx

 

[Pinklily83]

ah ok.. see what your saying.. ignore it.. will do

[Pinklily83]

attached is letter of claim,  didnt take them long from the last letter sent.

 

 

 

 

2023-06-23 Overdales LOC re Cap1 debt.pdf

[dx100uk]

hit letter of claim

follow post 2

[Pinklily83]

Followed previous instructions of letter of claim  and followed post 2.. and I soon received these today in response.. saying that its not statutory barred? 

 

 

2023-05-05overdales LOC return cap1 debt.pdf

[Andyorch]

So the question now is did you make any payments before or after after the default was placed 24th May 2016 and did you make a payment of £40.00 on the 16th Jan 2020 ? 

[dx100uk]

not sure where we ever said to say any of your debts were statue barred?

they can't be as in post 1 you said you were paying them all?

you seriously need to read a good few threads in this forum yours is in.

can you post up the 2 letter of claim replies you sent out.

and you are still leaving pers info showing in your pdfs!!