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Capital One - March 2006. Is this enforceable?

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  • #121
    Re: Capital One - March 2006. Is this enforceable?

    Originally posted by Never-In-Doubt View Post
    Keep us updated and don't leave any letters waiting - if they write, let us know asap
    I received a letter from Lowell in response to my recent CCA request. They state there is no point in sending documents as the Limitations Act 1980 applies to this account so they will not be bothering me again!

    However, they have not said they won't package it up and sell it on to another gullible outfit. Many thanks to Niddy and the team along with everyone else on here who helped me with this.

    I have a Barclaycard a/c also with Lowell, this became SB'd in October 2015 but heard nothing in ages on this.

    Best wishes to all, R

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    • #122
      Re: Capital One - March 2006. Is this enforceable?

      Oh yesss great news, keep that letter safe just incase, well done xx
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #123
        Re: Capital One - March 2006. Is this enforceable?

        Keep it extremely safe xx
        if you do it today and you like it you can always do it again tomorrow

        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #124
          Re: Capital One - March 2006. Is this enforceable?

          Congratulations, lets hope they put it in the written off never to be seen again file!
          When you have nothing you have nothing to lose

          Comment

          • #125
            Re: Capital One - March 2006. Is this enforceable?

            Originally posted by rockwell View Post
            I received a letter from Lowell in response to my recent CCA request. They state there is no point in sending documents as the Limitations Act 1980 applies to this account so they will not be bothering me again!

            However, they have not said they won't package it up and sell it on to another gullible outfit. Many thanks to Niddy and the team along with everyone else on here who helped me with this.

            I have a Barclaycard a/c also with Lowell, this became SB'd in October 2015 but heard nothing in ages on this.


            Best wishes to all, R
            In view of the above, could I shred my bulging file of paperwork on this except for the Lowell letter and a few other relevant letters? or would it be sensible to hold off for another six months or so.
            Just wondering how long people keep these files! I'm aware they are likely to package it up with others and sell on to another bunch of chancers!

            Comment

            • #126
              Re: Capital One - March 2006. Is this enforceable?

              Technically you could get rid of them...BUT....If it were me, I would take a photocopy of the Lowell letter and file it away safely ( in case the original got destroyed) and then wrap your files up carefully and store them away.

              You never know what could come around the corner and I for one certainly would not be trusting them to keep their word
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #127
                Re: Capital One - March 2006. Is this enforceable?

                I agree with Spud too, I'm well into statute barred with mine but won't get rid of anything 'just in case'!

                Even Lowells can't be a***d to write now but they do still call my mobile quite regularly!

                All my paperwork is in lever arch files so I'll just shove them in a box and put them in the attic.

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                • #128
                  Re: Capital One - March 2006. Is this enforceable?

                  Agreed x
                  if you do it today and you like it you can always do it again tomorrow

                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #129
                    Re: Capital One - March 2006. Is this enforceable?

                    I also worry about this. Had written confirmation that my Crap one is finished with. But! Will hold onto info for another year or so.

                    Comment

                    • #130
                      Re: Capital One - March 2006. Is this enforceable?

                      mine is all carefully filed in the attic, you just never know and we're 18 months past SB

                      Comment

                      • #131
                        Re: Capital One - March 2006. Is this enforceable?

                        Thanks to everyone, I'm sure you are all correct. Will keep everything safely stored!

                        Great to see all the usual suspects on here in full flow!

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