Statute barred query

[Tmum21]

I have an old debt I last made payment 31.1.2019 therefore my understanding is that it is statute barred. However, later in 2019 Lowell bought the debt and my credit file shows default November 2019 and it’s still showing on my credit file.
Lowell have been sending general letters chasing all
of which I have ignored. I have never spoken to them about the debt and most definitely not in writing.
they have recently changed the tone of their letters saying they are considering further action.

So my question, can they take me to court/ and if they do am I right thinking I can fully defend myself?

[echat11]

I have an old debt I last made payment 31.1.2019 therefore my understanding is that it is statute barred. However, later in 2019 Lowell bought the debt and my credit file shows default November 2019 and it’s still showing on my credit file.
Lowell have been sending general letters chasing all
of which I have ignored. I have never spoken to them about the debt and most definitely not in writing.
they have recently changed the tone of their letters saying they are considering further action.

So my question, can they take me to court/ and if they do am I right thinking I can fully defend myself?

a) I have an old debt I last made payment 31.1.2019 therefore my understanding is that it is statute barred. However, later in 2019 Lowell bought the debt and my credit file shows default November 2019 and it’s still showing on my credit file.

You would have Terms and Conditions, normally the creditor would Default the account after 3 missed payments, ask you to rectify the account, failing that they would Default the account. It could be that the Creditor Defaulted the account, but it was Defaulted again by Lowell's after they bought the account. Two Defaults shouldn't happen, but they do.

Send the original Creditor a Subject Access Request. They have 30 days to provide the requested information. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...ccess-request/

b) Lowell have been sending general letters chasing all of which I have ignored. I have never spoken to them about the debt and most definitely not in writing.
they have recently changed the tone of their letters saying they are considering further action.

Most letters sent by DCA's say that, I doubt that they carry out what they say in all cases, they would need compliant documentation to do so. The most important letter is a Letter Before Action, everything else is 'hotair'.

c) So my question, can they take me to court/ and if they do am I right thinking I can fully defend myself?

You will have more information after you receive the requested documentation to make that decision.