do you reckon it's worth sending an SAR to Egg?

should I wait until the 14 days is nearly up and then send them? All of these debts aren't on my credit file, so I doubt any of them still have any info on me!

So an update on this... Received the following from lowlifes today: Dear xxx, Thank you for your recent correspondence. The contents have been noted. We understand that you dispute the last payment made towards the account and can confirm that we have contacted Egg to request copy statements relating to the account. These will be forwarded to you upon receipt in due course. Please be assured that the account has been placed on hold in the meantime. Please be advised that we also hold the following accounts in your name which require attention: Lowell Reference Number : xxxxxxxx Original company name: O2 (UK) Ltd Original Account number: xxxxx You owe: £xxx Lowell Reference Number :xxxxxxx Original company name: Cap One Original Account number: xxxxxx You owe: £xxx Our records show that there are currently no payment plans in place on these accounts. In light of this we kindly request that you contact us on 0844 844 4716 where one of our experienced advisors will be happy to discuss these accounts in further detail. They will also be able to assist you in setting up affordable payment plans on your accounts. Please be assured that your accounts have been placed on hold for 14 days in order to give you time to contact us. If we have not had contact in the next 14 days, your accounts will be transferred to our debt collection agent Lowell Financial who will contact you regarding the accounts. We trust this clarifies the situation and look forward to hearing from you soon. Any suggestions on what to send back? Seems strange they were convinced I had made a payment but can't prove it! The other two debts are also SB, haven't sent the SB letters yet, so is it worth sending individual letters or one response to all 3 accounts?

I will do Brig, thanks for the help so far!

thanks for the letter Brig I'll get that off to them today the debt in question does not show any of the CRA's, it did a few months back, so I knew it was SB by now... checked all my bank statements last night and I was definitely abroad at the time, checked back even further and there has NEVER been a payment to them! Shame for them they chose a phantom payment date I can trace, but will be interesting to see what they come back with!

Hey dx, Thanks for getting back so quick... I'm intrigued to see what they come up with, no payments have ever been made to them ever, let alone round that date, since I wasn't in the country! I was half expecting the reply off them, luckily i've got proof of where I was and bank statements

Just a quick update on this... Fired off the SB letter relating to the Egg account (the oldest one since a payment was made) and Lowell have kindly replied to say that it is not SB, and a payment was made in 2007. I know I was working abroad at that time, so haven't made any payment! I've checked my bank statements and the payment is not on there... mainly because it hasn't been made. Any ideas what I can send off to them now?

Oh yes I've had letters from them all, clearly they're getting frustrated they've never heard from me in 6 years! After looking through the letters again, there must have been some PPI or unfair charges on the Egg card, that one seems to have the most begging letters and offers of discount... Are ScotCall part of that same group, or have they given up and sold the cap one on? It's being transferred over on the 1st July, so they've got 11 days until it's SB according to CRA's (but i'm sure it was a lot earlier!) Thanks for all the advice so far, much appreciated!

I've checked all 3 CRA's, the only debt showing is the Cap one with Lowlifes but only on Equifax! Nothing on Noddle or Experian... The egg and o2 debts dropped off a few months ago. They do searches on me every couple of months, but only on experian, not on equifax (the only place the debt is showing!)

Hi dx, I know what you mean, it's just the constant letters off them which is a bit frustrating! The Egg debt has been passed along the desks to Hamptons with the threat of a CCJ, which I understand isn't enforceable if it's SB? (correct me if i'm wrong!) I'm pretty sure the Capital One had PPI on there, and maybe the Egg too, so was thinking of doing an SAR to both? Cap One have just accepted me for a new card (trying to re-build the mess of my credit history) so that makes me think 6 years must have passed from my details still being on their systems?

Hello everyone! I've lurked on here for a while taking in the great advice, but thought i'd get a second opinion on a couple of old debts... Back in my student days I was terrible with money, buried my head in the sand and went off travelling for a few years. I'm back in the UK now and settled, and trying to sort my credit history out. I have 2 old SB debts with Lowell, who keep sending begging letters, one for an old o2 contract (defaulted in 2005) and an Egg CC which dropped off my credit file in May this year. I'm ready to send them SB letters regarding them but my only issue is the last old debt I have, which is also with Lowell. It is for Capital One, having checked my Equifax the dafault date was 2/07/2006, so in a couple of weeks. Reading the advice on here I know a lot of the time the default date can be a few months after the last payment was actually made - so do I send the SB letter to them too?? Their most recent correspondance says it is being transferred to Scotcall from 01/07/12. I've never acknowledged any debts or made any payments to Lowell in the past 6 years (mainly due to being away!) Any advice would be greatly appreciated!