Capital One - March 2006. Is this enforceable?

[rockwell]

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!

[MrsD]

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

[Enforcer]

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.

[nanna58]

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

Agreed x

[marypoppins]

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.

[Spud]

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

[rockwell]

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

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!

[Susie]

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

Congratulations, lets hope they put it in the written off never to be seen again file!

[nanna58]

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

Keep it extremely safe xx

[nightwatch]

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

Oh yesss great news, keep that letter safe just incase, well done xx

[rockwell]

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

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

[Never-In-Doubt]

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

Keep us updated and don't leave any letters waiting - if they write, let us know asap

[panther12]

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

Yes I would get the cca sent off asap. If they were to try it on and play silly buggers by claiming the CoA starts from termination date, you're less than a week away and they will have to deal with your cca before issuing a claim. Plus if they haven't already issued a letter before claim they would have to fall foul of PD pre-action protocol if they were to now issue a claim before termination date.

[Pixie]

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

Good luck from me too x

[rockwell]

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

As I suggested, a new CCA is best here. Sooner the better!

Thanks Niddy, CCA request on its way tomorrow. Lowell appeared to have buggered this up as they started treating me as a new and valued "customer" a few months ago!