Lowells - Assesssing account for Legal Action Letter

[thesludge]

Hi All,

New here and looking for some help, please.

I have received a letter from Lowells, saying they are assessing my account for legal action as they have not heard from me. I have now looked deeper into this and it is for an old Vanquis credit card. This I believe is way back as it is NOT showing on my Clearscore credit report.

There is a message on Clearscore saying a new report is being added to my December Report !

I however think i may have done my self an injustice in honesty also. On my credit file is an account that was started in Jan 2010 I cant remember what this is for. No payments have been made since 2015. Lowells got in touch a few weeks back and I've paid £25 so far on the account as i panicked. A friend told me i may not now longer be liable as its out of date???

Since I have done that one paymentÂ* they have updated the account date to October 2019 on Clearscore (see image)


In terms of both of my issues, is there anything I can do at all please? Appreciate any help

Â*

[Aggi]

Hi All
It’s funny you should mention a Vanquis account that they saying is outstanding. I have the same problem. I know for a fact that I have never dealt with Vanquis and have written 3 letters which have been ignored. All I asked was for proof and till now have had no reply. ITS BEEN NEARLY 4 YEARS SINCE I WROTE TO THEM. What are my rights please anyone.