Letters done and sent as advised so will see what comes next will keep updating thanks again everyone for your help

Thank you London1971 much appreciated So sorry you have been a victim of their tactics

Thank you dx100uk very much appreciated

Thanks dx100uk Deleted email but managed to retrieve it , the address on that is a Po box will that one do Also probably a silly question but do I respond to email too or just write to them sorry for all the questions but want to get it right Thanks again Edited to add Just checked again and in very small print there is a registered address for Lowell financial

Anyone got the address to send letters to Lowell Thanks in advance

Sorry didn't know I hit quote eyesight problems at my age thanks for the help

Sorry my tablet is playing up thanks for the reply

Hi thanks for your reply Yes that is correct no payment or correspondence to anyone since 2016 Thanks for your reply

Hi everyone Received email from Lowell on 14 Th asking me to contact them for them to get an understanding of my circumstances re debt the debt relates to capital one and BT From 2016 the last payment on this was about November of 2016. I have been no fixed abode since then up until a couple of weeks ago I couldn't give any address but they obviously had my email address for them to contact me now No payment or acknowledgement to anyone since then Unfortunately the email got deleted by mistake so I don't know what to do from here any help is much appreciated thank you