CAPITAL ONE - STATUTE BARRED

[Deepie]

Re: CAPITAL ONE - STATUTE BARRED

sent SB letter - they have replies saying my last payment was 26th November 2008 but this was craftily applied to my account - it was the £1 fee and I stated "not be used for any other purpose..." so they are saying it's not SB and I am still liable. I have copy CCA letter to prove this was not a £1 payment but the fee..." anyone help with wording of a reply please - thanks they say after next 7 days collection activity will continue

I would be tempted to ignore the letter and see what they try,


don't send it till 1st Dec

Me too if it were me ......or re send SB letter on the 26th ......

This balance is under £500 too ....can't see them chancing their arm on this ............

[nightwatch]

Re: CAPITAL ONE - STATUTE BARRED

I would be tempted to ignore the letter and see what they try,

or you could send a copy of the CCA letter from 2008 and highlight the part that says the £1.00 is for the CCA only,
for example
Dear loblel, FINAL RESPONSE
I reply to the tosh that you have recently sent regarding the alleged account with the above ref.
I draw your attention back to my last letter in which I clearly pointed out that the alleged account is SB .
your legal department must have someone new in their advice team as you can see from the enclosed letter, which you will note is a CCA request, dated xx/xx/2008 and clearly states that the £1,00 enclosed is the fee for the CCA and cannot be used for anything else. ie; cannot be applied to decrease any alleged debt.
I therefore stand by my claim that the alleged account is SB
now I suggest that you contact the xmas party department and tell them it's Aldi not Harrods for the Fizz and nibbles this year.
love ♥and kisses xx
traveller
PS if you someones secret santa I'd get knitting now xx

don't send it till 1st Dec

[Deepie]

Re: CAPITAL ONE - STATUTE BARRED

So this will be SB in 13 day's time ?

[TRAVELLER]

Re: CAPITAL ONE - STATUTE BARRED

sent SB letter - they have replies saying my last payment was 26th November 2008 but this was craftily applied to my account - it was the £1 fee and I stated "not be used for any other purpose..." so they are saying it's not SB and I am still liable. I have copy CCA letter to prove this was not a £1 payment but the fee..." anyone help with wording of a reply please - thanks they say after next 7 days collection activity will continue

[Deepie]

Re: CAPITAL ONE - STATUTE BARRED

Yep.... nip it in the bud now ......could save you a lot of hassle

[Riz]

Re: CAPITAL ONE - STATUTE BARRED

I would say you need to let Lowells know you are not falling for their BS. They have been issuing court claims on some pretty dodgy statute bared debts lately.

[nanna58]

Re: CAPITAL ONE - STATUTE BARRED

send the SB letter, they are (lowell) trying to pull a fast one,
Quite a few people on here are getting these letters just lately from lowell, they are just after someone falling for it so they can have an extra sausage roll with the bovril at the Christmas do

He he ,and Bovril?

- - - Updated - - -

send the SB letter, they are (lowell) trying to pull a fast one,
Quite a few people on here are getting these letters just lately from lowell, they are just after someone falling for it so they can have an extra sausage roll with the bovril at the Christmas do

He he ,and Bovril?

[nightwatch]

Re: CAPITAL ONE - STATUTE BARRED

send the SB letter, they are (lowell) trying to pull a fast one,
Quite a few people on here are getting these letters just lately from lowell, they are just after someone falling for it so they can have an extra sausage roll with the bovril at the Christmas do

[Deepie]

Re: CAPITAL ONE - STATUTE BARRED

Hiya,
Nice one ! I would be surprised if they did much leg work for a £500 debt to be honest. If they do chase i guess you could use the AAD statue barred template

Good luck.
SA

Ignore it. This is Statute Barred. They are trying it on.

Emmm If it were me I wouldn't ignore it ....I'd send the letter SA suggested ...........

[Enforcer]

Re: CAPITAL ONE - STATUTE BARRED

Ignore it. This is Statute Barred. They are trying it on.

[SA Gold]

Re: CAPITAL ONE - STATUTE BARRED

Hiya,
Nice one ! I would be surprised if they did much leg work for a £500 debt to be honest. If they do chase i guess you could use the AAD statue barred template

Good luck.
SA

[TRAVELLER]

have Capital One Credit Card (less than £500) never had copy agreement - last payment Sept 2008 so in essence statute barred. Copy of agreement suddenly retrieved by Lowell - copy statements show my £1 CCA fee as payment in November 2008 - the letter I sent with it said "... not be used for any other purpose...." so they say my last payment was November 2008 and not September 2008 - should I send SB letter as Lowell are demanding payment. many thanks