Hello to all on this site and I hope to benefit from all the advice that I might receive. Lowell Portfolio issued a Statutory Demand against me on the 14th November 2013. I applied to have this set aside using the appropriate forms. I also sent a CCA request to Lowells, and a SAR request to the original Creditor Lloyds Bank. I am relying on the Demand being set aside for the following reasons.
1) I believe the debt has become Statute Barred as I last made a payment/acknowledgement of it in January 2007.
2) I sent a CCA request to the original creditor in July 2007 when Lloyds started to threaten me with court action but never received a response. I retained a copy of the request but unfortunately mislaid the proof of postage. I also sent them a non compliance letter.
I am very worried now because I have read so many opinions of what statute barred actually means.
According to my Credit report, Lloyds issued a Default Notice in June 2008, but I cannot recollect ever receiving this.
Does the 6 years begin from my last payment, or when this Default Notice was allegedly issued.
Any help/advice would be greatly appreciated.
1) I believe the debt has become Statute Barred as I last made a payment/acknowledgement of it in January 2007.
2) I sent a CCA request to the original creditor in July 2007 when Lloyds started to threaten me with court action but never received a response. I retained a copy of the request but unfortunately mislaid the proof of postage. I also sent them a non compliance letter.
I am very worried now because I have read so many opinions of what statute barred actually means.
According to my Credit report, Lloyds issued a Default Notice in June 2008, but I cannot recollect ever receiving this.
Does the 6 years begin from my last payment, or when this Default Notice was allegedly issued.
Any help/advice would be greatly appreciated.
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