Lowell and three mobile

[boody49]

Lowell own my 3 accounts with three now. All are under £250 each. As the CCA is not relevant, what is the best way to attack Lowell on these?

Thanks

Boody

[nemesis45]

Re: Lowell and three mobile

Hi Welcome to LB,

Are Lowell combining these debts or chasing each one individually?

Some more details please.

1. When were these accounts opened? -- details of each one please.

2. When were the accounts defaulted --- ? "" "" "" "".

3. When did you last make any payments? "" "" "" ""

4. Have you acknowledged Liability for the debt?

5. Is there any dispute about the accounts /debts.

nem

[boody49]

Re: Lowell and three mobile

Hiya

They are chasing individually.

1. When were these accounts opened? -- details of each one please. Dec 2010 - May 2009 -

2. When were the accounts defaulted --- ? "" "" "" "". August 2012 - October 2012 -

3. When did you last make any payments? "" "" "" "" May 2012 - july 2012 -

4. Have you acknowledged Liability for the debt? no - no

5. Is there any dispute about the accounts /debts. no - no

The last one is SB and Default falls off in the next 3 weeks

[nemesis45]

Re: Lowell and three mobile

On the debt reaching 6 years and being removed from CRA does not necessarily
mean the debt is statute barred.

When was the last payment or acknowledgment of that debt?

Is Lowell chasing hard/threatening court action?

nem

[boody49]

Re: Lowell and three mobile

The SB is from 2008 so well past it. They are sending the usual letters and I have had the pre legal one.

[Kati]

Re: Lowell and three mobile

On the debt reaching 6 years and being removed from CRA does not necessarily
mean the debt is statute barred.

When was the last payment or acknowledgment of that debt?

Is Lowell chasing hard/threatening court action?

nem

3. When did you last make any payments? "" "" "" "" May 2012 - july 2012 - :tinysmile_hmm_t2:

[nemesis45]

Re: Lowell and three mobile

OK tell Lowell that one is Statute Barred and to cease all activity on that.

The others a relatively recent so what would you put forward as a defence

if a claim is issued?

nem

[boody49]

Re: Lowell and three mobile

I don't think they have any paperwork for them They have never produced any in my experience with them so I'm sure it wont get to court. I'm wondering if its worth a prov-it letter?

[nemesis45]

Re: Lowell and three mobile

I don't think they have any paperwork for them They have never produced any in my experience with them so I'm sure it wont get to court. I'm wondering if its worth a prov-it letter?

AS you say in your first post there is no CCA only a service contract Not regulated by CCA 1974 (amended).

You can ask for the service contracts to be produced and see what happens.

nem