I shall check my noodle report and get back to you guys, been putting it off for a long time! Many thanks for the help thus far.

Sorry Capone? The lowell (was Orange) account is £600... Unfortunately not. No unfortunately. Yes this is what I've gathered having perused here for a few days, and given my current status (no assets) this seems the most sensible idea, I have been living in fear of my own front door for long enough now!

Hi dx thanks for the response. Last payment (and one would assume acknowledgment from me) was around Feb 2012. Things went awry to say the least for me then financially, and this was one of several debts defaulted at the time. There was no dispute I just could not afford to pay anything at that time that wasn't food or shelter related. My fault, and I am more than willing to go down the DRO route if needs be but obviously would rather not. To be honest, if this was my only debt with Lowell then I'd be tempted to try and go for a pseudo-final payment, but they have my Capital One debts too and being the cynic I am think they will come looking for blood if they see I've caved in with this. if that happened I'd better of getting a DRO and having done with it. If given my non-statue barred, non-dispute situation the small claims would judge in their favour regardless of how many forms I send then I'll just get the DRO ball rolling.

Hi all, I have received the obligatory letter from BC, acting on behalf of Lowell who are acting on behalf of Orange lol. I've got the standard "you have 14 days to pay us or we're taking you to the small claims court" letter. Is it best for me to ignore this as per title? The debt is not statute barred. Many thanks