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I am a bit nervous about posting specific details. I received an email in Mid November from Lowell asking me to call them which I did. It then transpired that they had purchased a debt for a loan I took out in 1998. I had been paying the loan off until I ran in to money problems in 2002 at which time my bank closed my account on me leaving me without any wages for 2 months. I had asked my bank manager about a mortgage and the next thing I know my account had been closed. I had no contact with the lender nor did they send any letters demanding payment. They had my details correctly as I had called the lender 3 or 4 times to complain that the company supplying the goods.
To be honest at that time it was all a blur as it knocked the wind out of me, but I would have remembered. The next few years I spent just getting by. I don't own my own home but am secure as it is owned by my brother who I rent from.
Jump to the November call to Lowell.
I said to the guy I had no idea what debt he was referring too as it was for just shy of 8k. The call ended with him saying he would get a copy of the statement & credit agreement. This arrived on the 4 of Jan. Looking at the statement the last payment was 21st Feb 2002 which was a reversed one from the 15th. There is then a bunch of charges heaped on through to Aug 2003. What caught my eye was the payment of £10 on 5th Sep 2008. I and nobody on my behalf made this payment, so assumed it had to be a mistake. I wrote to them on the 14 Jan "Standard template" letter saying that the debt is statute barred. They have written to me today saying it isn't as there was a payment in 2008 for £10. Can anyone advise what I should do next?
This is probably irrelevant but. I was surprised by the contract they sent as it isn't correct. I have never had a copy of this so wouldn't have picked up on the errors. There was to be a copy in my welcome pack from the company. This never arrived and neither did the referral calls with the subsidies I was supposed to get. The agreement has two errors on it, the first being the spelling of my first name & that I owned my property, which I never have. I remember having the conversation with the rep and he said its fine and left it blank. I can only surmise that he filled these out afterwards and I was too stupid to demand my copy of the agreement.
Any help would be appreciated
Thanks
Socomwet
To be honest at that time it was all a blur as it knocked the wind out of me, but I would have remembered. The next few years I spent just getting by. I don't own my own home but am secure as it is owned by my brother who I rent from.
Jump to the November call to Lowell.
I said to the guy I had no idea what debt he was referring too as it was for just shy of 8k. The call ended with him saying he would get a copy of the statement & credit agreement. This arrived on the 4 of Jan. Looking at the statement the last payment was 21st Feb 2002 which was a reversed one from the 15th. There is then a bunch of charges heaped on through to Aug 2003. What caught my eye was the payment of £10 on 5th Sep 2008. I and nobody on my behalf made this payment, so assumed it had to be a mistake. I wrote to them on the 14 Jan "Standard template" letter saying that the debt is statute barred. They have written to me today saying it isn't as there was a payment in 2008 for £10. Can anyone advise what I should do next?
This is probably irrelevant but. I was surprised by the contract they sent as it isn't correct. I have never had a copy of this so wouldn't have picked up on the errors. There was to be a copy in my welcome pack from the company. This never arrived and neither did the referral calls with the subsidies I was supposed to get. The agreement has two errors on it, the first being the spelling of my first name & that I owned my property, which I never have. I remember having the conversation with the rep and he said its fine and left it blank. I can only surmise that he filled these out afterwards and I was too stupid to demand my copy of the agreement.
Any help would be appreciated
Thanks
Socomwet
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