Lowell letter of claim - is it statute barred? What should I do next?

[sophierose]

Hi

I hope someone can provide me with a bit of advice!

This debt has been floating around for several years, and I entered into a dispute with the original company about the debt as I felt the debt was unfairly allocated. I was 17 at the time and as staff, we were bribed into getting store cards (allowed to leave early, discount vouchers etc.)

I was dismissed by the original company, and the debt was sold - but I have ignored all letters as they have been scare tactics, up until the one I received today - see the attachment.

The date of the agreement was 04/12/11 - so I don't know if this is statute barred or soon will be? Should I respond with this letter and the form, asking for more information? I do not want to be taken to court, but I do not want to pay out of fear or scare tactics - I have been contacted by them before offering massive discounts etc.

The interesting thing is that the debt doesn't and has never appeared on my credit file - and the last thing I need is it popping up now.

I would appreciate any advice.

[Debt Camel]

Re: Lowell letter of claim - is it statute barred? What should I do next?

Under 18 when you got the card? hmmm.... tagging @Diana M @Amethyst

did you ever make any repayments to the card?

How old were you when you were sacked?

I assume there were some attachments with the letter such as a Reply Form?

[sophierose]

Re: Lowell letter of claim - is it statute barred? What should I do next?

Under 18 when you got the card? hmmm.... tagging @Diana M @Amethyst

did you ever make any repayments to the card?

How old were you when you were sacked?

I assume there were some attachments with the letter such as a Reply Form?

Thanks so much for replying. I can't remember how old I was when I took out the card, I have never seen the original copy of the agreement so I don't know what the date was. I made payments to the original stores card, but not one payment made since it has defaulted.

I wasn't sacked, I left to go university. And yes, there were reply forms and a financial breakdown for me to fill in of my circumstances.

I just need advice on what to do next. I don't know whether to agree a payment plan but I really don't feel I should pay it. It doesn't appear on my credit score on any of the sites, and I don't want it to suddenly pop up on there as I'm just about to remortgage!

Thank you for any advice.

[Debt Camel]

Re: Lowell letter of claim - is it statute barred? What should I do next?

OK well if there is any chance that you were 17 when you took the card, that would be interesting...

On the reply form, you can reply asking for a copy of your CCA agreement - that will have a date on it so you can tell how old you were. Also ask for a statement of account showing the payments you made to the card. See https://debtcamel.co.uk/letter-before-claim-ccj/ for details.

You have 30 days to reply, don't rush to send it off, wait to see what other people say here first.

When does your fixed rate end?