amberashjess' UE Diary

[amberashjess]

Re: amberashjess' UE Diary

Hi

Had a letter from lowell saying they have passed a old barclaycard ( I think) to bpo collections. They were sending letters from Red previously as the amounts on the letter are the same. They have changed the account number and it says you have not raid your Plato BFI account??? I only know its the barclaycard from the amount they say is the same as previous letters.

This debt is statute barred I'm sure and I have had a new BCard since last year. It seems as though Lowell's are trying to confuse me with different companies and account numbers.

What should I do? Ignore it?

Thanks

[Never-In-Doubt]

Re: amberashjess' UE Diary

Tell her to return as unknown at this address.

[amberashjess]

Re: amberashjess' UE Diary

Hi

I had a strange call from my sis today. 1st credit sent a letter with my name on it to her address. She lives a few miles away but has the same initials as me. It was for an old barclaycard that is years old and definately statute barred. I was accepted for a barclaycard platinum last year ffs! The letter also they will discount the debt by 95%. They want one hundred and odd quid instead of 2000or something. I've not seen the letter yet so can't say word for word yet what it says.
Any ideas? Should I ignore?

Thanks

[amberashjess]

Re: amberashjess' UE Diary

Big virtual hug to Niddy for doing this for me. I will get it sent off when Im contacted. Only the bank account to go and that should be time barred too. So glad I found aad.

[Never-In-Doubt]

Re: amberashjess' UE Diary

Update

Hi

I have received an a large envelope today in response to my SAR to the coop. Inever followed up their requests for ID but it was still sent.

They have sent two signed agreements that are photocopied and have my signature on. One is for the credit card and the other loan. I cant really read any of the words on it.

Ialso got lots of statements for the credit card but nothing on the bank account in the SAR which is pain. I cant check when I last made a payment to the loan but the last payment on the statement was 4th Feb 08. They kept taking the money from my bank account even when I stopped using it a few months previously. I last used the cc in approx Dec 07? I will have to go through the reams of paper when I get a chance.


The DCA has not contacted me yet, Im sure they will now!

How should I proceednow ? Thank you for all your help so far. Im less anxious now because of the support of NID and all at aad.

Send the attached back to Lowell (just add your name, address and both account numbers) - send it recorded delivery.....

SB England - Amberashjess.doc

^^^^^^ Attachment in word

Dear Sirs,

Statute Barred Account Numbers: 123456789 & 123456789

You have contacted me regarding the two accounts with the above reference numbers, which you claim is owed by me. I would point out that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued".

I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that
"it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period".

The last acknowledgement to either of these debts was made over six years ago and no further acknowledgement or payment has been made since that time. In fact the last payment made was definitely no later than November 2007.

Unless you can provide evidence of payment or written acknowledgement of liability from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any action against me to recover the alleged amounts claimed. The OFT Debt Collection Guidance states that:

"continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statue barred could amount to harassment."

I await your written confirmation that no further contact will be made concerning either of the above accounts with confirmation that this matter is now closed.

[Never-In-Doubt]

Re: amberashjess' UE Diary

I'll come back to you tonight and explain it to you / update you then.

[amberashjess]

Re: amberashjess' UE Diary

Whoops, will do that now. Thanks. Done it now. Thank you.

[Never-In-Doubt]

Re: amberashjess' UE Diary

Well I will be checking for UE - not SB as you've not sent me statements confirming last payments, have you.....

[amberashjess]

Re: amberashjess' UE Diary

Thank you. Look forward to hearing from you soon. I hope it is SB!

[Never-In-Doubt]

Re: amberashjess' UE Diary

Looking at last payments both *might* already be SB

[Never-In-Doubt]

Re: amberashjess' UE Diary

Thanks - will catch up on all emails tonight as had a busy week

[amberashjess]

Re: amberashjess' UE Diary

Ive sent you mail, Niddy. Thank you x

[Pixie]

Re: amberashjess' UE Diary

Scan the agreements and email them to Niddy webmaster@all-about-debt.co.uk

Put your user name in the subject line.

[amberashjess]

Re: amberashjess' UE Diary

Update

Hi

I have received an a large envelope today in response to my SAR to the coop. Inever followed up their requests for ID but it was still sent.

They have sent two signed agreements that are photocopied and have my signature on. One is for the credit card and the other loan. I cant really read any of the words on it.

Ialso got lots of statements for the credit card but nothing on the bank account in the SAR which is pain. I cant check when I last made a payment to the loan but the last payment on the statement was 4th Feb 08. They kept taking the money from my bank account even when I stopped using it a few months previously. I last used the cc in approx Dec 07? I will have to go through the reams of paper when I get a chance.


The DCA has not contacted me yet, Im sure they will now!

How should I proceednow ? Thank you for all your help so far. Im less anxious now because of the support of NID and all at aad.

[amberashjess]

Re: amberashjess' UE Diary

Yes, this site is amazing. It's helped me so much. So it's okay I added the last bit about the loan and credit card?


Just to add , the coop has kept my ten quid too!

Thanks.