Lloyds bank overdraft being chased by Lowells - 12 years old

[Kbm345K]

Lloyd's bank account was last paid into in January 2012. Am being chased by Lowells who took over the account from Hoist. Lloyds sold the account in November 2015. Am I correct in believing that this account is uncollectible legally.

[echat11]

Hi KBM345K

Welcome to LB

If no payments and the debt hasn't been acknowledged in writing in the last 6 years, then the debt is Statute Barred, providing they haven't obtained a CCJ on the debt. You need to make sure that is the case.

If so you can send the following letter, make sure you get Proof of Postage.

https://legalbeagles.info/forums/for...ed-debt-letter

[Kbm345K]

Howard Cohen, acting for Hoist, sent a Letter of Claim on 8 January 2018, which I felt obliged to respond to. I did not accept the purported debt in my cover letter. Hoist/Cohen/Robinson Way did not advance their purported case. This matter is cross-related to a case I have against Lloyd's Bank. Lowells are now texting and ringing me - and offering a discount!

[echat11]

If what I stated in post 2 is correct, then the debt is Statute Barred, Send the letter in post 2, otherwise they will continue to 'harass' you.