Lowell debt collectors tried unsuccessfully to enforce a debt which was unenforceable in law as 6 years had passed since any payment to the account was made and no written acknowledgement of the debt was made within this time. This then became a 'Statute barred debt'

A statute barred debt means that although the debt is outstanding, NOBODY can enforce the debt in the courts and you DO NOT HAVE TO PAY.

After this time, any debt is unenforceable but as you will see, they will still try it on.

Lowell thought they would win, but they lost because I stood up to them and knew they were trying to get me to pay money which they simply couldn't enforce in court but these people decided to waste lots of money trying it on.

They lost quite a bit of money and had to withdraw their court action because they knew the case would be thrown out by the judge after I responded to their court papers and told the court that this debt was not enforceable.

I stood up to these parasites and I won! You can too!!!

Don't fall for their discounts. If they offer a discount, they probably have a weak case and may not have the necessary documentation so demand proof of claim from them. If they can't provide this, see them in court but you MUST respond to court papers.

DON'T acknowledge the debt in writing and DON'T make even a minimum payment as this resets the 'clock' and it is then 6 years from then before the debt becomes unenforceable in law.

Once 6 years has passed without making any payment or acknowledging the debt IN WRITING, the debt becomes UNENFORCEABLE. You don't have to pay after this time, but remember, don't acknowledge in writing and don't make any payments. If you have verbally acknowledged the debt over the phone THIS DOES NOT COUNT. You must have EITHER 1, made a payment within the last 6 years to the account, or, 2, Acknowledged the debt IN WRITING.

Many of these claims are nonenforceable in law. Dispute every claim. throw a spanner in the works, get good advice, FIGHT.

Many of these debts have been written off, and these companies buy them off original creditors cheaply in the hope that they can fool you into paying something that you don't have to.

REMEMBER Many of these cheaply purchased debts are completely nonenforceable as the purchasers cannot obtain the original, signed documents showing that you owe anything, MAKE THEM PROVE YOU OWE THEM MONEY IN COURT!

IF YOU DON'T RESPOND TO COURT PAPERS, THEY WIN! Whatever you do, YOU MUST answer court papers. By doing this, you can win! If you don't, THEY WIN. You can respond online to the court so you can do this at any time, day or night, and don't need to send anything through the post.

Don't pay these people unless they have a court order.

Challenge everything! THEY have the burden of proof. You don't have to prove your case, THEY have to prove you owe THEM money and, since they have bought the debt from someone else, often without access to the original contract documentation, they may not be able to prove anything. The court will probably throw the case out in such circumstances.

THEY have to prove you owe THEM money, You don't have to disprove anything. You just have to tell the court that you dispute the claim and ask the court that you wish the debt collector to PROVE that you owe THEM money. After all, did you take out a contract with them???? Probably not!

Make them provide documentation. IF THEY CANNOT, THE CASE WILL BE THROWN OUT but you MUST respond to any court papers. Quickly. Don't let them win just because you don't respond!!!!!

Fight them. Stand up to them. You may well win!!!!

Just keep telling them, they have to prove you owe THEM money. You didn't take out a contract with them so their claim may will be unenforceable in court.

Take advice. Don't be bullied. YOU CAN WIN!!!! JUST LOOK AT MY VIDEO. I WON!!!!!!!!!!!!
TIME TO FIGHT BACK!