Also MDKP still have my old address, Lowell has my new address, I never contacted them in anyway, so I have no idea how they managed to find this address! Thanks

Thanks again, I do not think I have PPI, I don't remember paying for it ever. But I think Penalty charges might have something to do with the fact that I owed 1,800 and 3,900 and now it's 2,415 and 4,581. So if I do that cca to them I should at least go back to the original amounts? Right, I will not send the info to anyone, I thought I had to cos you said "your creditors should find it acceptable as well". I worked out £25 pounds a month (each) because that's all I can pay, now and in the future. It'll take forever, but if they charge interest then I'll never finish paying them. I'm really worried about that and I don't know how to find out (about interests). It would be very helpful if I could find out without contacting them. In the letter from Lowell it says £2,415, it doesn't say anything about interest. I just want to pay them back what I can afford and forget about them, just like another utility bill. I'll try to send them the CCA and the SAR and I'll call National Debt line see what happens. Thanks for your help, much appreciated!

Thanks for the quick reply! No direct debit ok, how should I pay then? Single payments on their website? On the report I have the following red entries (Barclays entry is neither red nor green, just blank) Status Balance MDKP Default, £4,581 Lowell Default £2,415 Barclays [blank] £0 Barclay Card Default Satisfied Others are green, I don't quite understand why Barlays is blank and £0 (sold to Lowell) and Barclayard is still Default (since 10/04/2011) and satisfied (sold to MDKP), shouldn't it be deleted like Barclays? Thanks also for the budget sheet, do I need to send supporting evidence with it - bank statements, bills etc.? If I should ask to freeze interest that means they do charge it, so those debts I have, as soon as I start repaying them they'll keep growing? It has been the same amount for over a year now, how do I find out the interest rate they'll charge?

Hi all, I lost my job in 2010, run up debts with Barclays and Barclaycard and now they've sold my debt to Lowell and others. It is a lot of money, but I would like to repay them and get rid of all debts as I have a job now. I owe Lowell £2,415; this was a debt from my Visa Debit, the overdraft was £1,800, so I guess they added some charges. The other debt is for a Barclaycard, £4,581, sold to MKDP LLP, original debt was just below £4,000. Originally I had less credit, £1,500 I think, then as I was in the middle of my job problems Barclaycard sent me letter, I did not ask for it, saying they had increased my credit to £4,000. I had no money and I spent it all. I'm paying my student loan as well and lots of other stuff, I thought I could set up a direct debit with Lowell and MKDP for £25 a month for each, but will they be ok with that? Will they charge interest on the debt if I start paying? Also should I pay all the charges as well or just what I owe? I checked my credit rating on Experian, and it says "Fair", how's that possible? I'm not even registered on Electoral Roll! If anyone can help me out a little with info or directions/links I'd be very grateful.