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Hi there!
I received a letter from Lowell a few weeks ago asking for a debt that i owed from Three mobile £542 apparently.
Now im sure this debt was from over 6 years ago, so i sent them the standard letter.
Today i recieved the following reply
'you account is NOT legally UNenforceable under the Limitation Act 1980 on the basis that a default notice was served by Three Mobile on the 1st December 2006'
'section 5 of the Act mentioned says that following the date when a cause of action arose for payment of the debt, any creditor such as Lowell LTD has a period of six years to enforce such a right to payment'
So, not sure where to go here, should I ask them to prove that a letter was sent? I honestly never received such a letter, and the default doesn't seem to show on my credit file!
Can anyone advise, i would be very greatful!
Does this mean I now have to offer payment, i really dont want a CCJ?
This was a debt of about £250 that my ex didnt pay on a mobile telephone contract in my name. Im sure that if a letter of default was sent it was too an old address and im more then sure i have not paid nor has my ex for some time before that default.
Kind Regards
Ash
I received a letter from Lowell a few weeks ago asking for a debt that i owed from Three mobile £542 apparently.
Now im sure this debt was from over 6 years ago, so i sent them the standard letter.
Today i recieved the following reply
'you account is NOT legally UNenforceable under the Limitation Act 1980 on the basis that a default notice was served by Three Mobile on the 1st December 2006'
'section 5 of the Act mentioned says that following the date when a cause of action arose for payment of the debt, any creditor such as Lowell LTD has a period of six years to enforce such a right to payment'
So, not sure where to go here, should I ask them to prove that a letter was sent? I honestly never received such a letter, and the default doesn't seem to show on my credit file!
Can anyone advise, i would be very greatful!
Does this mean I now have to offer payment, i really dont want a CCJ?
This was a debt of about £250 that my ex didnt pay on a mobile telephone contract in my name. Im sure that if a letter of default was sent it was too an old address and im more then sure i have not paid nor has my ex for some time before that default.
Kind Regards
Ash
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