I have had 2 letters a wk, both with different reference numbers on from Lowell for the last 4 weeks, making a nice little pile now! They are apparently working on behalf of Lloyds TSB, apparently I owe over £500 on one account and just under £200 on the other.....now.....I have only ever had one Lloyds TSB account and that was in my pre uni years (10 years ago) the account I know I had, I was young and silly and went overdrawn with and ended up ripping up cheque book, snapping card and handing them back to the branch manager with my mother in tow, now my memory isnt the best but this was around Jan 2003.....There are NO LLoyds accounts showing on my credit reports with equifax or experian....are they just trying to pull the wool? I dont understand why they are chasing two seperate amounts when I only ever had one account anyway and Im 99.9% sure I cleared this account! They have apparently found my mobile number from somewhere, no idea how when they are chasing my maiden name as well? Any advice greatly appreciated!