Thanks for your help so far.

It was to bwlegal as they are dealing with the account now. I assume they have asked lowell to ask littlewoods. I'll send the form and po off to lowell

I just used the online query section. I've spoken to someone online who stated they are still waiting on the information to come back. Its been 7 weeks since the request now

Thank you. I will have a look now

If the interest can be reduced on the account she would rather pay it off than have to fight it and go through all that. I thought the credit agreement route would work. But after the replys it seems not.

From what i can gather it was all online. I will get the sars sent off though. Would the interest be regarded as an excessive charge? Looking at littlewoods excess now it seems like it could have been 34.9% apr.

It was a letter of claim that bw legal sent. I haven't got the letter to hand, will find it tonight. It shows on noddle as started 07/10/2007 and a default on the account in 2012.

I started reading up on bwlegal and saw alot of people getting the same kind of letters and then court proceedings. She doesn't need this at the minute so that was the easiest solution at the moment. I think roughly the interest added was around £1300 of that.

Just wondering if anyone can help. My mum received a letter for a debt which wasn't her that ran it up. It was her ex partners son who started ordering from littlewoods and never paid it off. The debt was for £1985 and was bought by lowell. In September she had a letter from bw legal stating they will start legal proceedings to collect the debt. I set up a payment plan in the short term to stop them from going further. In the mean time i sent them a request for a statement of account and signed credit agreement on the 10th of September. So far they have not managed to provide this information. Im just wondering what the next step would be now. Thank you