Lowell and 2 x Barclaycard Accounts - possible SBd.

[king100]

Hi

Got 2 accounts that I believe are both SB.

Is it a simple case of emailing them and asking when the last payment was made on the account or to SAR them and work when it was.

 

Obviously me asking for last payment gives them the premises im going down the SB defence if they ever gor court.

So SAR or just letter for larst time payment received on account.

Thanks

 

 

 

[dx100uk]

no cause the DCA will lie

tell us about the debts

 

dx

 

[king100]

Moning

Just 2 CC debts from ages ago. None of them appear on my credit file, that being experian or equifax.

I did SAR one of them and the last date I can find when payment was due was in 2022.

The other I have no further details.

 

[dx100uk]

so at least one cant be SB'd then.

who owns then now, who was the original creditor?

have you moved since you took these out?

dx

 

 

[king100]

Hi

 

Sorry last payment made on the account was 2016 on one account. With the paperwork I have been sent.

Both do not show on credit file.

Both owned by Lowell.

Barclaycard for both I believe.

Have not moved since taken out.

No CCJs on account.

[dx100uk]

who got the payments lowells or BC?

 

[king100]

Lowell is asking me to pay them, have had plenty of offers of discounts as well.

[dx100uk]

who was you last payments too?

have you evidence of when they bought the debts - notice of assignment date?

 

dx

 

[king100]

Last payment on one account from statements that they sent me originally was 14th Dec 2015. That is a Visa card, and that was direct to the card provider.

The other I have no idea when the last payment was, and when it was would have been paid to the original lender.

Notice of assignments I have no record of, as very long ago.

 

I have never paid any of the DCAs that have been after it.

[dx100uk]

gotta both be sb'd then

send them our sb letter by royal mail only 

its in the debt collection section of our library

 

dx

[king100]

Hi

Just wanted to check the best way to check if a debt if SB. I have checked my experian/equifax report and cannot see anything corresponding to the 2 debts in question, plus the free credit checks apps. I get various letters and also text messages asking me to contact them. What should I do?

 

Possibly SAR them to check when last payment on acocunt?

[dx100uk]

simple ans is when did you last use or pay the credit

SB is notihng to do with your credit files.

dx

[king100]

That I dont know, if it doesnt appear on credit file is it safe to assume its past 6 years?

[dx100uk]

as i said, statute barring is nothing to do with credit files nor is decided by credit file providers, they simply hold DATA.

once the original creditor issues a default notice and registers the defaulted date on credit files in the debts status front page , a 6yrs clock (nothing to do with statute barring) starts to tick. regardless to if the debt is paid or not or paying or not the default remains for 6yrs,

once the registered default date reaches its 6th b'day, the whole account is removed, never to show again. but that doesn't mean the debt might not be owed. that is controlled by the statute barred date, which can be default notice date + 14days or the date of your last use of the credit or youe last payment date, whichever is the latter.

i will gather this is the 2 BC debts sold to lowells?

dx