Letter from Lowells

[Barnaby]

I got a letter from Lowells about a debt from decades ago. There is a letter with a bank logo at the top. It goes on to say the account has been sold by the bank to Lowell Portfolio Ltd.

What should I do in response?

Any help is greatly appreciated.

Thanks

[echat11]

When was the last payment made?
When was the last written acknowledgement of the debt made?

If it's beyond 6 years, then the debt is statute barred.

Send the following template, make sure you get Proof of Postage.

https://www.nationaldebtline.org/sam...cover-debt-ew/

[Barnaby]

When was the last payment made?
When was the last written acknowledgement of the debt made?

If it's beyond 6 years, then the debt is statute barred.

Send the following template, make sure you get Proof of Postage.

https://www.nationaldebtline.org/sam...cover-debt-ew/

Thanks friend.

Although it is a debt from about 15 years ago, I was paying £1 a month until about 2018. I struggle with managing documents and keeping up with filing due to mental illness. I have in the past probably asked for proof of the debt and they usually ignore then sell on the debt and start again. I have lost details of past correspondance as I thought they got bored and went away. it looks like I will have to start the process again. I am a bit better than I have been in the past. I had half a dozen debts from credit cards, loans, bank accounts, consolidation loans etc and get them mixed up when I had a breakdown.

[echat11]

Because payments has been made it's not statute barred.

You could send Lowell's a CCA request, see if they can provide a copy of your original agreement. Make sure you get Proof of Postage.

If they can't provide a copy then the account is unenforceable.

https://legalbeagles.info/library/gu...etter-example/