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received a letter from a company called lowells for a debt from 2007

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  • received a letter from a company called lowells for a debt from 2007

    Hi I received a letter from a company called lowells it was a statement from a debt from hfc from 2007
    I have no idea what it is for I checked hfc and the debt is quite old and the last payment on it was from march 3 2008 .
    I do not know what this company can do , can they take me to court and get a ccj should I contact them about this unknown debt
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  • #2
    Re: received a letter from a company called lowells for a debt from 2007

    The debt becomes statute barred after 6 years in England if there has not been a written acknowledgement of the debt since the cause of action, which may be later than the last payment of March 3 2008 .
    Not sure what's best here, they may be going for starting a court claim before it becomes statute barred. Once the debt becomes statute barred they cannot get a CCJ.
    Do not contact Lowell's by telephone, if you must contact them do it in writing and keep a copy.

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    • #3
      Re: received a letter from a company called lowells for a debt from 2007

      Originally posted by abp32 View Post
      Hi I received a letter from a company called lowells it was a statement from a debt from hfc from 2007
      I have no idea what it is for I checked hfc and the debt is quite old and the last payment on it was from march 3 2008 .
      I do not know what this company can do , can they take me to court and get a ccj should I contact them about this unknown debt
      When it comes to Lowell, then it's best not to ignore them. If you have no idea what this debt is, you could send them a prove it letter:

      Dear Sirs

      Account No: XXXXXXXX

      You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I have no knowledge of any such debt being owed to CREDITOR NAME. I am familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable and in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive and unfair methods. Furthermore ignoring and disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical & psychological harassment.

      I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question and await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

      Yours faithfully,

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