Hi guys, I am new here, i have recently received letters from lowell group regarding a debt i had with t-mobile unpaid bill from 2007 sayin that they bought the debt from them and i should pay just under £1500 within 7 days!!! i ignored it but few days after they sent me a letter from Reddca i am scarred now they might come to my house and clear it for just £1500. guys do i have to pay it by law? can i argue it? do i have a case? will it effect my credit scoring? will i have CCJ to my name if i dont pay it?? as i looking to buy a house within next 3 years. please help thank you

Hi everyone, I had a statutory demand posted through my letterbox yesterday by Lowell/BW Legal relating to 2 credit card debts - Barclaycard and Vanquis (totalling just under £5000) and just need some advice on what my best course of action should be? I'm going to send CCA request to Lowell by recorded delivery - does the £1 fee cover both accounts? Unfortunately I'm another 'head in the sand, ignore it and it'll go away' person! - until now. I realise that I can no longer ignore these debts and I really don't want a bankruptcy petition on my head. I've been searching through my paperwork this morning and the points I have noted are that the barclaycard card number on the demand seems to differ (albeit very slightly) from my original card number - missing a digit from the middle and a couple of digits from the end. Also, from reading the forums it seems possible that barclaycard may not be able to provide a true CCA as the account was opened pre 2007. If that is the case, will this be enough to stop them being able to petiton for bankruptcy? Also I have a letter from Lucas Credit Services dated 9th Jan 2013 re: outstanding debt to Vanquis. It says 'we are disappointed that you have not made payment or contacted us to discuss repayment of you debt of £0 owed to Lowell Portfolio Ltd for your Vanquis account' On the right hand side of the letter it lists the Creditor as Lowell Portfolio and the Amount Due as £0. When I received this letter, I thought great they must have written it off as it states £0. I don't believe there is any PPI on either account but not 100% sure on that. There will be charges on the accounts but not sure what counts as excessive? I think my barclaycard credit limit was £2500 but the end figure is over £4000. I haven't got any of the old paperwork to check that out. What should I do next? Thanks in advance for any advice! Sam

Hi there, I have received two letters today from Lowell addressed to my maiden name (married/name change 2004). Both letters say the following (both are for different credit card providers): - We're contacting you about an account that we have purchased from (credit card) which was opened on (date). (Credit card) have sold the account to us as there is an outstanding balance which they have not been able to recover. This may be because (credit card) did not have your up to date address details and therefore you were not in a position to discuss the account with them. We have used the services of a Credit Reference Agency and the have provided your address to us. Therefore we would like to confirm the information we hold is correct and up to date. Please call us straight away where one of our account managers will be more than happy to help you. Etc. I know that both of these accounts passed the six year cut off at the beginning of 2012. There had been no payments made or contact with them, by letter or telephone etc during the six years since the accounts went into default. What should I do? Ignore it, since it is out of date or send them a letter? Really appreciate any assistance you can give me with this Many thanks

:-)Hi everyone This is my first time on here and I have came for some help!! In 2009 I left HSBC bank due to problems with bank charges. i was a silly minded student which I admit, and never ever checked by bank balance, if i went to the cash machine and it let me have money then i was happy. HSBC allowed me to take money out of my account by a cash machine, which made me then go into an unagreed overdraft ( i didnt have an overdraft on the account). Because of this i was contacted stating i was going to be charged £150. I wasnt happy with this, however i knew it was my own fault for not being in control of my account! Stupidly I assumed the money would be taken once i got paid and had money in the account available to be taken, however this was not the case, HSBC waited another month to take the bank charge, when there wasnt enough money in the account to be taken! resulting in another hefty £150 bank charge!! At the time i paniced that I now owed close to £300 and couldnt afford all of that to be taken, so i switched banks! At the time i was stupid in not getting it sorted, however now I have received a letter from Lowell Financial stating i owe £318. Upon calling them they stated that there is nothing i can do to dispute the fact that HSBC allowed me to take cash out that wasnt there, or that they took bank charges when i didnt have the money, therefore all the money owed is in fact bank charges! I have tried contacting HSBC but they have said they cant discuss as my account is closed so they cant verify any details with me. Is there any advice anyone has to help me, or am i better off just paying the money to get it over with? Thanks Danni

hi there, I recently returned to the UK after 12 years abroad. In those 12 years I didnt have a bank account etc and have received no mail from any DCA'a for the past 10 years. I recently opened a bank account and I guess that has put me back on the system. Lowell Porfolio rang my brother (who lives at an address that I have never even visited let alone lived at) asking for me. Then I checked experian and I see that they made two enquiries in the last month. My experian file is clean, and any debts that I had (old style student loan & credit card) are now all statute barred as they are from over 13 years ago. Anyway, I wrote them an email and sent a letter (copying a letter from another SAG member): Dear Lowell Portfolio 1 Ltd During a recent review of my Experian credit file, I was extremely concerned to note a total of 2 unauthorised credit searches by your organisation in the last 1 month at my current address. As a company I have no known or acknowledged financial relationship with, I must advise you that I find it completely unacceptable that you would access my personal data with a Credit Agency with this kind of regularity, without my consent. Futhermore, I believe that you contacted a family member requesting information about me. Research on the Internet would suggest that you are a Debt Collection company. Please note that I do not acknowledge any outstanding debts to either your organisation, or any organisation you claim to be acting on behalf of. Given the fact that my credit files with both Experian and Equifax show no outstanding, defaulted debts to any creditors within the last 6 years (the time period for which defaults display, I believe) it must also be concluded that any alleged debt related to these unauthorised credit searches would in any case, have to be more than 6 years old. I would point out that under the Limitation Act 1980 any alleged debt would be statue barred at this point, given I have neither acknowledged any alleged debt, nor have I made any payments in respect of any alleged debt in the last 6 years. As I intend to make no payments in respect of any alleged debt and furthermore that any alleged debt would be statute barred all actions by your company, affiliates and/or other 3rd parties acting on your behalf should immediately cease - including any further unauthorised access of my personal information. Furthermore, as no payment in respect of any alleged debt will be made I must ask that neither your company, affiliates or any other 3rd parties acting on your behalf should be passed any of my personal data, nor should they contact me by any means for the purpose of requesting any payment. Please be advised, this letter constitutes a formal request that you immediately cease and desist from: 1. Any further unauthorised attempts to share or access my personal information through any licensed Credit Reference agencies 2. Any further actions or contact in pursuit of payment of any alleged statute barred debts In the case of statute barred debts the OFT Debt Collection Guidance states that: “Continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”. Any further unauthorised access or sharing of my personal information – or requests for payment of any alleged statute barred debt will be treated as harassment and a breach of the Data Protection Act and I will seek the strongest legal and regulatory redress. I trust my position is clear and I await your written confirmation that no further action (including access or sharing of my personal information) will be taken concerning any alleged debt and confirmation that this matter is now closed. I look forward to your reply. Yours faithfully, .... Will this be enough to get them off my case? Any advice would be welcome!! Thanks

my partner has been getting letters the last few months for THREE mobile, he had a contract with them for less then 60 days because the phone broke and we sent into them to be repaired and they never did and just sent it back saying pay 299.95 for repairs as it not a faulty handset. the battery had lost a pin and burnt my partners hand, we took the phone back to the shop after contacting three, who agreed to look at it again, this time they just sent a picture and told us again we have to pay for the handset to be repaired we told them no and to cancel the contract. they kept the phone and to pay £40 towards the last months rental. we paid that and this was back in July 2007 and have heard nothing till these last few months, my partner concerned that they gonna keep sending out letters asking for money and each amount changes the 1st letter we got was for £40, but today letter for £255. Do we just ignore as it would be removed of file in july/august this year?

Hi All, Any advice greatly appreciated!! I have recently started to receive some letters from Lowell regarding a business Debt from 2009 so it will be coming up to 4 years. The situation was that I had a business with a business partner and we had an account with HSBC which had an overdraft and business loan. We signed a Joint and Several guarantee to the Sum of 20k and when we shut the business my ex business partner negotiated himself out of it paying 6k to HSBC and they the came on to me for the O/S 14k. I found this completely unfair as I was not in a position to pay 6k and sent letters stating this but it never really came to any conclusion. I have had a number of letters over the years from HSBC and different depts/other debt collection companies and to be honest I have just ignored them and I have also changed address a few times so may not have received some. HSBC or other debt companies have not issued a Default or CCJ for this and it does not appear on any of my credit files. I am still not in a position to pay any of this debt as I am on very low income. Is this debt still enforceable and should I contact Lowell to discuss? Many thanks in advance

I use to have a phone contract with orange between 2008 - 2010. In 2010 I separated from my partner, who also had a phone on the same contract. After leaving my partner ran up a bill on the phone, which I paid and then requested the phone was blocked. I had numerous conversations with Orange at the time both over the phone and in the branch explaining the situation and the fact she held this phone and we were going through a divorce and it was actually their suggestion to block her phone. In fact they didn't block her phone and allowed her to continue making calls, when she exceeded the credit limit (which at the time was about £120), she paid the bill herself, even though she had no authority to access the account. She then disputed the payment and got the money reversed back onto her card while continuing to use the phone. In the end the Bill totaled almost £900. At this point Orange had blocked all phones on the contract and I made my position clear with regards to the outstanding bill and they suggested I just use a pay as you go SIM in my phone, which I did for almost 2 years. At that was basically the end of it. UNTIL NOW. Orange have basically confirmed that I contacted them about this, but say because I didn't request a total bar on the account that I am still liable for to pay this full bill. I am happy to pay for any line rental owing, but not prepared to pay hundreds of pounds in calls from a phone that should have been blocked, especially as Orange had even told me that the credit limit on my account was £120. Any advice is much appreciated.

Hi every one got My Experian report today my credit file was searched on 12 10 12 unrecorded enquiry i have never gave them permission to search ? no debts on my account ? only one ccj that was cleared

Hi, can someone please tell me where i stand. I had a debt of around £1800 with barclay card. I done a sar,letter in dispute, and have copies of letter postal receipt from back in 2010! They sold debt to Lowell. (This is a breach of CCA isnt it?) I have paid them £20 a month for about a year. Ive now stopped paying after realising that the account is in dispute. They say they are looking into the matter.....bull I want to take them to court and claim back the money ive paid them. Any suggestions

Hi All I am after some assistance with a complaint against Welcome finance I have made a claim for PPI with regards to a car that was taken on Lease and on the back of this, I am now receiving letters etc. from the Lowell Group stating I have an outstanding balance of £3071.60 The car was returned 4 years ago after satisfying enough re-payments to cover their early cancellation policy , a meeting was held with the area manager to confirm this and correct procedure was carried out with Welcome to return the car and documentation signed on collection. I used to live less than a mile away from their office and did so for a further 2 years after the the car was returned (I had visits on one occassion on the night payment was due as my card had failed so they knew the exact house as they wanted to walk me down to the cash point to pay) and had no communication from them with regards to this matter. Only now as I have made a claim does this appear. Upon speaking to their complaints dept. I was advised firstly that payments were made, then put on hold then suddenly I had an outstanding balance which they are unable to discuss further as the debt is now with Lowell Group and would need to speak to them. Please could somebody suggest where I go from here?

Hi Guys I just received an alert on my Experian file that Lowell had placed a default on it. Sure enough when I checked they had. The thing is although I do have a UK address for my mail, Uk mobile phone and golf clubs etc I actually don't live in the UK and have not done for years. I have no idea what the deault is for as it does not say on the file, just the amount and a default date in August 2011. How should I proceed with this one please? My record is or should I say was clear and around 900 points on experian until they put this on it. It's now at 600 ish. This may have been an old business debt with Barclays but I am unsure at this stage. Cheers

Hi there, I have been reading similar posts to this from people in a similar situation but wanted to ask advice please. On the 5th November we returned home to a calling card left by a collector that had visited to discuss a lowells debt in my husbands name. My husband as supposed to ring him to ask what it was about but he never got around to it. Yesterday we had a letter in the post from the same collector stating that he had visited twice and he will be calling again next Monday to issue a statutory demand for a debt my husband has with lowell. From experience we have had in the past with creditors we knew to request a copy of a credit agreement before we agree to any repayment etc so my husband called the collector to ask what the debt was for (we had thought all bad credit we had was sorted as we had sorted a lot of these things in 2006-2007 and have not really heard anything since). He told us the debt was with the Royal Bank of Scotland and was for the amount of £10,700. My husband told him he would be requesting a copy of the credit agreement but we had no reference number or address for the creditor. The guy told us the information would be on the SD and if we wait until that arrives we can request the information then. We had a telephone call tonight from a woman from Hamptons who asked us to make a payment of the full amount and when we stated this was not possible she asked for a deposit of 35% of the full amount which obviously we could not do either. She then asked what we could get together and said she would phone us back. My husband at that point requested a copy of the original credit agreement which she eventually agreed to but asked us why we wanted it!! She then proceeded to explain the full implications of bankruptcy which was the route they plan to pursue if the payment requested was not made and she would be phoning us back on Monday. This really is the first correspondence we have had on this matter although the woman stated that they have been sending us 40 letters per year since 2007 when they bought the debt. My husband said he may have seen a couple of the usual type of letters these companies send but no way was there 40 per year!! We did seek advice from CAB in 2006-2007 about our debts and it is possible we acknowledged this debt back then and paid the nominal £1 fee. I can't remember when we would have last paid anything though. From what I have read in other posts I see that we need to officially request a copy of the original credit agreement for £1 and a copy of other paperwork that costs £10 (can't remember the name). Is there anything else we should be doing and can we avoid the bankruptcy route? If they can prove the debt is ours and we must pay will we have an opportunity to make a payment arrangement with them before they start bankruptcy proceedings? We have our own home (mortgaged) and my husband has his own building business (which is quite new so doesn't really earn us any money). We are quite worried at the prospect of loosing our home - can they do that with the debt being in his name only as our mortgage is in joint names. We also have children - can they make them homeless?? Thanks in advance for any help you can offer us on this.

Hi, a friend of mine has had numerous letters and txt messages from Lowell for a while regarding an old catalogue bill. Yesterday, she received a letter from them which was addressed to her estate and saying that they were sorry to hear of her death and that they had trained people who would speak to the family with sensitivity, and to call to discuss probate! Has anybody else had anything like this, is this a tactic used by this company? It has definitely come from them but could somebody else have told them she's dead as a joke? Thanks

This is debt 3/5, then I will stop creating new threads for a while! My aim is to clear these debts at the lowest possible cost to myself. If someone can tell me if I am doing the right things here and what action I should take next, it will be very much appreciated. Type of Debt: Mail Order Collecting: Lowell (Now own the debt. OC is LittleWoods) Status: Default (04/01/2011) Balance: £1120.00 (as per credit file). Last Payment: Jan 2010 Penalty and interest charges already reclaimed. 06/01/13: Letter sent requesting CCA. 29/01/13: Sent another letter reminding them of CCA request deadlines and offered 25% F&F. 13/02/13: Received a letter showing: a) Credit Agreement with LittleWoods and my details ( no signature but was online application.) w/"additional terms and conditions' b) Credit Agreement with Shop Direct details only w/ "additional terms and conditions" c) Written statement on the status of my account and the balance payable. They have completely ignored by F&F offers. I have not admitted any debt to Lowell. How should I proceed with this debt? Lowell did send me a letter at the end of last year saying they were going to pass on this debt to another DCA but that has never happened. Or I have not received any letters from them. Thanks for reading

Hi Folks I'm hoping someone can give me some advice with Lowell Portfolio. In Novemeber I received a letter from Lowell advising me that they had bought a debt of £25 from Orange in relation to a phone contract in 2009. I foolishly paid even though I had not received anything from Orange advising me of a debt and there was nothing logged on my credit file in relation to defaults or missed payments. In December I received an Experian alert informing me that Lowell had logged a default against my report. When I looked they had placed the Default on my file in relation to the Orange account and marked it as settled. I wrote to Lowell and asked them for information in relation to the original debt (agreements etc) and the original default notice. This morning I received my £1 postal order back and a letter stating some of the following points:- "In the case of mobile contracts, inserting the SIM card and usage of the equipment is taken as acceptance of the terms and conditions of the contract. We are therefore not obliged to send you such agreements which can be obtained over the phone" (this contract was signed in store). "The default notice is a technical document which is appied to a credit agreement should, the customer fail to repay their account over a prolonged period of time. Mobile phones do not have a credit agreement they have a service agreement and as such default notices do not apply. Should the customer fail to repay their mobile bill then they have breached their service agreement and will be issued with a suspension notice. The suspention notice is sufficient to report to the Credit Refrence Agencies." "When the account entered into default with Orange (I received no notification of this and it was never on my credit file) they would have recorded a default on your creti file (they never). When the account was purchased by us the original default was amended by us." I am confused as they are saying that defaults don't apply to mobile phone accounts, but there is one on my file. As Orange had never placed a default on my file or sent me any notices should Lowell therefore have entered a default on my file. I am not sure where to go from here, I have also contacted Orange who have stated they can't see my account history but there is no outstanding debt. Any advice would be appreciated.

Hi everyone first of all i have tried to look through the welcome finance posts but cant find exactly what i'm looking for. I had a loan with welcome many years back (2003) and ive not paid anything since 2007 when i lost my job. Up until then i had paid over £7500 for an initial £5000 loan and i last spoke to them on the phone in 2009 when they said i still owed over £4000. I recently checked my credit report with experian and welcome have entered a 6 evry month for over 5 years (no default entered) up until last month, it now says balance £0 and above it says DEBT ASSIGNED TO CAIS MEMBER. I have now started receiving letters from Lowell Portfolio asking for the £4000. So i need to know firstly if i can do anything about Welcome not defaulting my account thus making it almost SB and secondly can Lowell now start entering things on my credit report. Any advice would be great thanks.

I have just received my statutory credit reports back from both Experian and Equifax On my credit file I have numerous searches, 22 in fact from Lowell Portfolio I LTD, as documented below. There is 22 searches within a 6 month period, a few times 3 times a day and 2 times a day Searched 01) 09 MAY 2012 2 times this day 02) 09 MAY 2012 2 times this day 03) 15 MAY 2012 04) 21 JUN 2012 2 times this day 05) 21 JUN 2012 2 times this day 06) 28 JUN 2012 07) 06 JUL 2012 08) 28 JUL 2012 2 times this day 09) 28 JUL 2012 2 times this day 10) 23 AUG 2012 2 times this day 11) 23 AUG 2012 2 times this day 12) 28 NOV 2012 3 times this day 13) 28 NOV 2012 3 times this day 14) 28 NOV 2012 3 times this day 15) 03 DEC 2012 2 times this day 16) 03 DEC 2012 2 times this day 17) 06 DEC 2012 3 times this day 18) 06 DEC 2012 3 times this day 19) 06 DEC 2012 3 times this day 20) 15 DEC 2012 3 times this day 21) 15 DEC 2012 3 times this day 22) 15 DEC 2012 3 times this day This doesn't seem right to me, 3 times somedays, what do they think I am doing Moving in the morning, afternoon and at night, am I classed as a flight risk, do they really think I will be living somewhere different 3 times a day, and 22 times in 6 months. I also have a few defaults from Lowell one of which is a duplicate of another one from Barclays Bank for £102.00, so I have 2 defaults for the same default. Lowell are refusing to send me proof they own the debt (Is this called an Assignment?? because this is what I asked them for) and they are refusing to remove it, I have not yet called Barclays Bank. Thanks in advance for reading, David

Hello, Last year I received a letter from Lowell saying I owed a debt to JD Williams and I sent a "prove it letter" which they acknowledged and then I didn't hear anything for a couple of months. Now I have received a letter saying the debt was sold to them on 20/12/12 which I am sure is a while after their original letter to me, I have unfortunately put the original letter away safely and now can;t find it! Nevertheless this letter saying they bought the debt from JD Williams on 20/12/12 also says that before selling the debt, JD Williams checked their records and can find no reason why it should remain unpaid and they have also included a letter on JD Williams headed paper informing me that JD Williams sold my account to Lowell and advises me of the balance. Is this letter from JD Williams enough proof? I have also received a few emails from Lowell stating " We are not aware of any reason why your debt should remain unpaid. It is therefore very important that you contact us as soon as possible so that we can agree repayment. If you cannot afford to pay back the money in one go we are willing to let you pay this monthly by direct debit. You could be entitled to re-pay as little as £1 per day should your circumstances warrant it. If you cannot afford £1 per day then please let us know what you can afford. Please call an account manager today so that we can bring this matter to a close or follow this link and securely set up a direct debit." Please could anyone advise whether I should pay this or take it further as I am 99% sure I cleared this debt several years ago and have even opened a new account with JD Williams since. Unfortunately as it was such a long time ago I cannot find any of those details. I had a similar experience with Lowell a few years ago when they said they were chasing me for T Mobile debt which I knew wasn't owed so I persevered and eventually they backed down as they could not provide me with any details/proof. Many thanks for any help that anyone can give me Thanks Deb

Hi, I have used valuble information, templates etc from reading the advice on other issues BUT now what to do? To make a very long story short in 2002 approx my wife with her ex partner got a bank loan, they split not long after. As she had full care of their baby he promised to take care of the loan as she left with nothing. After their joint account was frozen in 2003 which is the last she heard from Natwest. Late 2010 we started receiving letters from various companies for Natwest but for just short of £6000 when the loan was for £2000. We ignored these letters as if it is the same loan we beleived it would now be statute barred? (but are we correct its only if the ex has also had no contact?) Anyway we were issued with a hand posted Statuory Demand on the the 8th Feb and since we have thrown papers together and handed them into the county court and got a date but what now? We have no paperwork for the loan, nothing on her credit file, no ccj for it the only contact we have had with lowell/BW Legal was to send a letter saying we belive it to statute barred at the time of handing in court papers. Sorry, i hope this makes sence i have tried to keep it breif can anyone advise

Ok, other than this i am totally debt free, and iv'e never had any debt before so i am a complete novice when it comes to collection agencys. I opened up an account on very.co.uk whilst i was working almost 3 years ago. Everthing was going fine until i became ill and had to quit my job as i was unable to do it anymore, thus i was left with £1,400 to pay them. I did actually get this down to around £1200 until late payment charges bumped it back up again i guess. I didnt pay them for a good 4 or 5 months. And i recieved this letter from Lowell Portfolio I Ltd informing me they had purchased my loan from very.co.uk. And it now stands at £1590. Now if it was 1200 then i wouldnt minde paying off the debt each month via direct debit, But im unsure what to say when i call them, Because i feel the charges were unfair, My credit limit with very.co.uk was only 1,400. Yet i now owe 1590 ?? It just doest seem right. And i would like some advice. Thank you, Richard.

New here, hope someone can advise me, I have received a statutory demand from bw legal, it was in my mail box at the end of my lane ( gated ) it referes to a debt from a capital one card for £1,895. it has a date of Jan 15th on but was put into my post box by hand delivery one week ago. I have worried for a week over it not really reading it fully as the Bankrupcy wording freaked me out, I know buring your head in the sand is the worst thing and so have tonight read it through and spent a couple of hours here reading about how serious it is. I am a house owner and work for my self with a small busines that has been struggling for 2 years now, hence my financial predicament, mad that how the past 2 year of financial pressure has taken all of my confidence to deal with this kind of thing! and to be honest the debt is my fault so no sympathy required. So onto my questions, I see bw legal mentions the demand been served on me by their process server, is it been put in my post box by hand whilst I was out a duly served demand? there is no details who the process server was or what time he came etc. They mention their client ( Lowell ) is willing to accept a a payment plan and avoid bankrupcy, if this is correct how can I trust them that they will stop the bankrupcy? The statutory demand looks very unofficial and I guess these are printed off at BW office by the dozen, there is no ccj in place on this unsecured debt and they are not the original creditor, it does mention they purchased the rights and benefits from Capital one, do they not require a ccj or is bankrupcy their way of forcing payment, and do they normally see it through if you do nothing? So if an agreement is the way to go, do I contact bw legal, Lowell or both? do I still need to apply to have it set aside at the court? Thanks in advance to all. Garage man

Hi All, I have been a lurker for quite some time. So, Hi! I'm wondering if someone can help me please? I have three (alleged) accounts with Lowell. a) Barclays overdraft for a student account b) 3 mobile phone contract c) O2 mobile phone contract I am disputing all of these and so have written to them requesting further information in relation to them all. Unfortunately, being young and stupid and bullied into making payments, I have stupidly made payments on all three of these accounts in the past. I have received today a letter in response from Lowell in relation to alleged debt b). Lowell have provided me with a "bill" from 3 mobile along with a covering letter. The amount outstanding was £460.56 and remaining balance is £189.55 (yes, I know that's a substantial payment having been made because they took it out of my account, the same amount on numerous occasions... But anyway) The statement that accompanies this is a generic front page statement with a paying in slip and the amount of £193.27 to be paid by February 2007. The page also says "We closed your account on." With no date of closure.... Going back to the letter it states "After liaising with three mobile we can confirm that an early termination fee of £267.29 was added to the outstanding balance of £193.27, unfortunately this does not appear on the statement enclosed." The letter then moves on to requesting payment within 7 days. Now, this £267.29 is not evidenced anywhere. Neither Lowell or Three Mobile have provided me of written evidence where this charge has been applied in writing (and myself formally notified) to the alleged outstanding debt. Where do I stand with this one? Please don't say "just ignore them" as it is obviously a) past that now and b) I'm still young and although have a hard slog in front of me, don't want to have my financial outlook written off completely by ignoring them when they can and do tend to issue defaults without rhyme nor reason... My initial reaction is that unless they can evidence the additional charge for termination of contract, I have paid more than enough and I will be re-couping the outstanding balance over that has been paid.. Should I accept the debt. Any guidance would be much appreciated. P

Hi there Not sure if this is the right section to post in but here goes. I've requested a copy of my CCA from lowells as they claim to have bought a previous debt of mine. they have sent a letter in response but, I am unable to post a link as I haven't made enough posts on this forum. It says: we are in receipt of your request for a copy of your credit agreement in accordance with section 78(1) of the consumer credit act 1974. We are requesting a copy of the agreement from the original lender with whom you originally entered into the agreement together with statements. Whilst we endevour to reply with the required information within the prescribed 12 day period under the consumer credit act you will appreciate this is dependent upon receipt of the information from the original creditor. We will advise you further if it will take longer than the prescribed period. When lowell purchases a debt from a client we issue a letter of assignment to the customer which fulfils our legal obligations under the law of property act 1925. This letter was sent to you on the 23rd April 2010 and we enclose a copy for your perusal and retention. We would not normally issue a specific deed of assignment unless the matter had progressed to court action. The copy of the letter that they claim to have previously sent was never received as, the address is my parents. Also the amount on it is the same then as it is now(surely they would have added costs over the course of 2 years??) The first letter I received from them was when I returned to the UK from living abroad. It contained a supposed letter from the original creditor on their headed paper but, as far as I can tell the letterhead is not an original and, it is marked page 1 of 2. Sorry if this is a long winded post but, could somebody out there let me know what the next course of action should be? I am in the process of requesting a copy of my credit file to see if they have added a default of their own as, the debt is nearly 6 years old. Thanks

the above defaulted account was sold onto Lowell a few years ago. At that point I served them with a CCA for which they could only provide a "made up" application I wrote pointing out they were in default of the CCA and that as they failed to provide an original application I could only conclude they didn't hold one I therefore considered the account to be in permanent dispute (all this done with the brilliant info on this site). All went quiet with them and alonside other accounts in default of CCA requests I was waiting for the 6 years to pass. The other old account Lowell had has now become statue barred-they recently passed this to Red collections so I hung on till it went SB and have now informed them. now..getting a few calls from leeds numbers I ignored over the past few weeks. Today get a letter from DF to say if no payment or arrangement by 11/2 they will commence legal action. I will be double checking regarding the SB date, but the default doesn't drop off till late 2013 and I believe the last payment to have been shortly before that, so not yet there. Other info total figure between 1k and 2k (don't want to give exact figures for obvious reasons). Plus the original account with capital one is currently with the FOS for the PPI (the adjudicator found in my favour, but CO won't pay up and want the ombudsman to take a look. Not sure this is relavent though as the account was sold to capital one in full. I am wondering if the CCA request still stands or do I need a fresh one? Not sure what route of attack to take on this one and would appreciate any advice. I am thinking contact to both L and DF and assume I take the line the CCA request is still not satisfied (from the FOS capital one have said there is no agreement and they now allege it was online only). Would appreciate any input of the best way to proceed. Ali x