Bryan Carter/Lowell Threatening Court Action

[PlanB]

Re: Bryan Carter/Lowell Threatening Court Action

it would appear that the credit agreement is legitimate/enforceable although it dates back from 2004. Due to me stupidly making minimal payments to Lowell's 3 or 4 years ago..

I'm embarrassed to say that I haven't read back through your thread (I'll do that tomorrow) but are you saying that you think the credit agreement is only enforceable because you made payments recently which may have stopped it being statute barred?

Would that make any difference as to whether your credit agreement may have been improperly executed in the first place?

[sloth]

Re: Bryan Carter/Lowell Threatening Court Action

I'm embarrassed to say that I haven't read back through your thread (I'll do that tomorrow) but are you saying that you think the credit agreement is only enforceable because you made payments recently which may have stopped it being statute barred?

Would that make any difference as to whether your credit agreement may have been improperly executed in the first place?

Hi PlanB,

I scanned and emailed the original credit agreement that BC sent me to Niddy, who thinks the agreement is legitimate and therefore enforceable unfortunately.

Sloth.

[SXGuy]

Re: Bryan Carter/Lowell Threatening Court Action

Someone else should confirm if what I say is correct, but since the data no longer appears on your credit file (im assuming the data was 6 years from default), offering an affordable/acceptable monthly repayment at this stage is probably still possible, and could avoid a CCJ. Plus shouldn't appear on your credit file since its already long gone. It wouldn't affect any mortgage applications either.

If they issue a claim we can deal with that then, but for now, if you feel you should offer something, its worth a shot.

There are plenty im sure who are repaying a debt to Lowell who haven't been issued with a claim.

[Never-In-Doubt]

Re: Bryan Carter/Lowell Threatening Court Action

Skanker's thread is now --> http://forums.all-about-debt.co.uk/s...edricksons-LBA

[Never-In-Doubt]

Re: Bryan Carter/Lowell Threatening Court Action

Hi PlanB,

I scanned and emailed the original credit agreement that BC sent me to Niddy, who thinks the agreement is legitimate and therefore enforceable unfortunately.

Sloth.

Hi, what has happened then since May - I do hope you've not agreed to pay up

[sloth]

Re: Bryan Carter/Lowell Threatening Court Action

Hi, what has happened then since May - I do hope you've not agreed to pay up

Hi NID,

Nothing has changed since May really, as you suggested via email I just waited to see what happened... what their next move was!

But my house purchase went through and I moved house in early August, without having heard back from BC or Lowells?!?

Since moving house I've heard nothing either.

What do you suggest I do now?!?

Thanks again for all your help!

Sloth.

[Never-In-Doubt]

Re: Bryan Carter/Lowell Threatening Court Action

I guess you never told them your new address? Did you purchase a new house or are you renting?

Obviously for now wait and see as you don't have long till it's SB do you?

[sloth]

Re: Bryan Carter/Lowell Threatening Court Action

I guess you never told them your new address? Did you purchase a new house or are you renting?

Obviously for now wait and see as you don't have long till it's SB do you?

HI N.I.D,

I didn't tell them about my change of address since purchasing my new home, should I have done?

I've not heard anything from them regarding the original debt, however I did receive a threat about a supposed debt from ### for £2,250.

I don't even recall this debt, if it is legit then its definitely pre 2005.... How should I proceed? Do I start the ball rolling with the 'prove it' letter or just wait it out?

Thanks for any assistance.... again!

Regards, Sloth.

[sloth]

Re: Bryan Carter/Lowell Threatening Court Action

HI N.I.D,

I didn't tell them about my change of address since purchasing my new home, should I have done?

I've not heard anything from them regarding the original debt, however I did receive a threat about a supposed debt from ### for £2,250.

I don't even recall this debt, if it is legit then its definitely pre 2005.... How should I proceed? Do I start the ball rolling with the 'prove it' letter or just wait it out?

Thanks for any assistance.... again!

Regards, Sloth.

HI NID,

Sorry for the 'bump,' I realise you're super busy, but some assistance with the above issue would be amazing

How should I proceed?

Thanks again!

Sloth

[Never-In-Doubt]

Re: Bryan Carter/Lowell Threatening Court Action

Hiya

sorry for the delay. I missed your replies. I'd be sending a prove it letter if you're sure you've not paid in 6+ years. Then send me the reply to see what is next.....

[sloth]

Re: Bryan Carter/Lowell Threatening Court Action

Hiya

sorry for the delay. I missed your replies. I'd be sending a prove it letter if you're sure you've not paid in 6+ years. Then send me the reply to see what is next.....

That's great NID thanks, I do really appreciate all the help!

Sloth