Lowell/Overdales Letter - Possibly statuted barred?

[echat11]

I did the SARs request for Lloyd’s and requested all the information they in it’s entirety.
Lowell’s also then did a (what I assume was) a SARs as they also sent me the same information.

Neither enclosed documents regarding default notices or any letters that I allegedly sent! Only statements and missed payment letters were enclosed.

I am confident that this is the first time I have engaged in communication with anyone regarding this. Do I know request copies of these alleged letters?

Thank you! I hope you’re enjoying this sunshine!

So have you received the SAR information for both accounts? Credit Card and Overdraft

[StressedSal]

Yes I have received both.

my main concern is this statement from Overdales “We are instructed that on 24/12/2022 you last made written acknowledgement of the account xxxx directly to the original creditor. The cause of action therefore accorded no earlier than that date, and may perhaps have accrued later in the case of any part of the debt affected by any later default notice. As this is less than 6 years ago, the debt is not statue barred”

I know I have not made any form of contact previously so how do I dispute this?

Thank you

[echat11]

Yes I have received both.

my main concern is this statement from Overdales “We are instructed that on 24/12/2022 you last made written acknowledgement of the account xxxx directly to the original creditor. The cause of action therefore accorded no earlier than that date, and may perhaps have accrued later in the case of any part of the debt affected by any later default notice. As this is less than 6 years ago, the debt is not statue barred”

I know I have not made any form of contact previously so how do I dispute this?

Thank you

O.K. write a formal letter of complaint (mark it as such) to Lowell's, make sure you get Proof of Postage follow their complaints procedure on their website. State that Overdales are stating that a letter was sent to Lowell's on 24/12/2022. State that in the Subject Access Request information provided, 'there is no such letter'. Lowell's are in breach of the Data Protection Act 2018 and you are minded to lodge a complaint with the Information Commissioners Office.

[StressedSal]

Ok, thank you again for your ongoing help!