Dear CAG Community,
I started to receive letters from a company called Lowell about 6 to 8 months ago claiming they needed to reach me concerning 'a personal matter'?
There was nothing in the letters explaining what this matter was so i ignored them assuming it was some form of phishing expedition or something of that nature.
At the time i had a lot on my plate, my father had died and my mother was ill.. id just lost my dog, work was troublesome, money was short etc etc. It was an easy thing to ignore those letters.
want to keep this short so i will fast forward to a letter i subsequently received from Overdales Solicitors stating thay had been instructed by Lowell Portfolio Ltd to recover the following debt... £3138.59 on a Vanquis credit card i had back in 2011.
I panicked to be honest as i had totally forgotten about this and wrote to them asking for specific details.
I then received a letter of claim several days ago saying i have 30 days to avoid a County Court Claim with a 'Reply Form' attached which apparently i have to fill in and sign?
I dithered over what i should do and then i found this website and im hoping someone can give me some advice.
What should i do?
Subsequent to the above i received another letter from Lowell a few days ago concerning another debt with Creation Finance from 2009!
I should say that i have looked at my credit file (Experian) and there is nothing on there about any debts. No GAIN records either. Nothing at all.
This is really stressing me out so any help or advice.. i will be very grateful.. thank you