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Apologies if I have posted this in the wrong place - just finding my way around and after some advice!
Hi,
I have had letters from Lowell since January 2016 stating I owe over £2000 from a door step loan. The last time I paid on this was February 2009 and so I sent the template letter to Lowell stating statute barred etc. Lowell responded stating that the default wasn't put on my credit file until March 2010 making it within the 6 years of me having to repay the remainder of the loan. I am unsure when a default went on my credit file but as I hadn't paid any money since February 2009 I presume a default would have entered onto my credit file within 6 months following this date? Lowell said I have 30 days to pay or my case goes to court. can anyone advise pls? thank you
Hi,
I have had letters from Lowell since January 2016 stating I owe over £2000 from a door step loan. The last time I paid on this was February 2009 and so I sent the template letter to Lowell stating statute barred etc. Lowell responded stating that the default wasn't put on my credit file until March 2010 making it within the 6 years of me having to repay the remainder of the loan. I am unsure when a default went on my credit file but as I hadn't paid any money since February 2009 I presume a default would have entered onto my credit file within 6 months following this date? Lowell said I have 30 days to pay or my case goes to court. can anyone advise pls? thank you
