Name of the Claimant Lowell Portfolio ltd Date of issue – 11 September 2017 What is the claim for – Particulars of claim 1) The Defendant entered into an agreement with EE Limited (formerly T-Mobile UK Ltd) under account reference 12345678 (the agreement). 2) The defendant failed to maintain the required payments and the service was terminated 3) The Agreement was later assigned to the claimant on 30/09/2014 and notice given to the defendant 4) Despite repeated requests for payment, the sum of £308.58 remains due and outstanding. and the Claimant claims a) The said sum of £308.58 b)Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.068, but limited to one year being £24.69 c) Costs What is the value of the claim? £418.27 Is the claim for - a mobile phone account When did you enter into the original agreement before or after:Not sure of date but think after that date. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not aware. Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial difficulties What was the date of your last payment? Think it was in 2012 but not sure. Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management? No You very kindly helped me sort out a claim from Hoist/Barclaycard last year which ended up stayed. This is another one my that has come for my girlfriend this morning and I am trying to sort it out for her. I have already sent an AOS via MCOL for this claim as I did in the previous claim. What is the next step, is it different as it's a mobile phone debt rather than Barclaycard? Thanks for any help you can give!

Hi I am looking for some advice regarding Lowell debt collections. I originally had a Littlewoods catalogue account that had an outstanding balance owing on it due to coming out of work I was paying Littlewoods an agreed £5.00 per month. it then received a letter form Lowell April 2014 to say they had purchased the debt and would like a payment in full. I spoke to the company and explained the situation and was advised by an agent that the £5.00 per moth would be fine to pay to clear the debt owing of £64 I have recently been considering getting a mortgage and have noticed on my credit file they have filed defaults on every payment even though they had agreed this would be fine and did not say that anything would be recorded on my credit file. just wondering if there is anything I can do to get this removed the balance was paid off on July 2015 the account start date was September 2009 account end date was July 2015 thanks in advance

hi i am looking for a bit of advice, with a debt i was disputing, it was with a credit card with capitol one, debt is 2052.68, the account was defaulted back in 2013, and registered with lowell, i have not heard anything from them in years, i got a letter last week regarding this debt saying to pay it immediately, or a claim form issued by the court, and a decree registered against me, not sure what the right course to take with this, any advice would be greatly appreciated

Some advice please. I have Lowells sending threats for court action decided to send off the standard CCA request to lowells and SAR request to Vanquis (however I still am waiting for a response from Vanquis 6 weeks on). I have received the following response from Lowells which is a application details print screen and a copy of the agreement. is this complying with my request and all the details I'm supposed to get or are they hoping it'll keep me quiet to pay up? Many thanks in advance lowells paperwork edited.pdf

Hi there, I've sifted through a few threads trying to get a jist of what to do. Quite a bit of info, I'm hoping someone can help me with my issues Done a credit report and I've currently 5 defaulted accounts and 1 arrangement NatWest credit card - defaulted balance £984 with a current balance of £785. This debt is paid DD £20p/m directly to Natwest, I've ignored ALL letters from Wescot who manage my account on behalf of NatWest. NW have just written to me this week informing that my account has been assigned to Cabot Financial, to cease my payments to NW and make future payments to Wescot for the foreseeable - Thoughts/ advice on what to do at all? Aquacard - Account in arrangement with CapQuest to pay £5p/m, current balance is £1,200. This doesn't show as a default on my credit file. Notes that its in arrangement Vanquis - account is defaulted with Hoist Portfolio Ltd - this was forwarded to Robinson Way and I currently pay £10p/m with them Current balance £320 defaulted balance was £859 (Dec 2018 6yrs expires) JD Williams - Held with Lowell managed with Fredrickson paying £5p/m. £919 defaulted balance, current balance £504 (Nov 2017 6yrs expires) BT - Debt was passed to Past Due, then Capital Resolve, then Freds. I paid Capital Resolve the debt of £91.05 Freds have this as balance owing when I checked online with them Lowell have a default recorded with the account type being Communications Supplier, default balance £72, august 2015 which I think is the original BT debt Oxendales - Default recorded with Lowell, managed and arranged payment with Freds of £5p/m I have just at the moment cancelled all standing orders & DD's, just want to get some clarity on what to do with them Thanks Shelly

I have a CCJ from BW Legal / Lowell Portfolio that I was issued 2 years ago. It is for around £2000 from an old credit card debt. I'm not sure if there were any PPI payments made for the card, but there were probably some 'unfair' charges on there. I'm pretty skint at the moment, I'm trying to get a business off the ground can't get any funding due to this CCJ (my credit is fine apart from this). I'm thinking of offering them maybe £200-400 as a full and final offer, I wondered if anyone would be able to answer a few questions first... How likely is it that they'd accept 10-20% as a full and final payment? Would this mean that the CCJ was marked as 'satisfied'? Would this actually improve my credit score? Thanks, for any help.

Hi, First of all, I apologise if this was posted in the wrong place. I have just been contacted by Lowell Portfolio about two accounts: 1. An outstanding balance with o2 for £500 odd. I have no recollection of this account. I had an account with T-mobile (now EE) which I defaulted on and have no paid up. This account was taken out in 2010 and defaulted in 2011. Therefore, if i did have an account with O2 it would have been prior to this and would therefore be statute barred? The person that I spoke to could not confirm the date of the default and have gone back to O2 to request more information - however, they have confirmed that I have never made any payments to Lowell on this account 2. An account with Barclaycard that I owed around £1500 on. They said i had a repayment plan set up with them which cleared the bulk of the balance (only £70 left). They said my last direct debit bounced but I have had no contact from them in the 4 years since the direct debit bounced. What is the situation with this balance? it does not show up on my credit report. Thanks in advance for all responses.

I've had 2 CCJ's from Lowell appear on my credit file that went to my old address, this meant that I was unable to defend them. During that period Lowell were constantly writing to me at my current address regarding 2 other debts. This meant that they must have known where I live now and could have easily sent the Claimforms there. Is there any precedent for getting these set aside?

Hi, I've been corresponding with Lowell, who have bought a debt that I had with Shop Direct. They have sent me the following documents which I have uploaded as a PDF. Is this enforceable? Many thanks. Edited DocPDF.pdf

Hello, So what do I do now? Start paying £1 to Vodafone or does Lowell now actually own this debt? Or do i just leave it as it is for now? I mean, the debt is mine, was defaulted Aug 2016, and I would like to pay it off but can only afford £1/month. Lowell_Vodafone_CAG.pdf

Hi all, Back in 2013 and a period before I had some pretty turbulent financial times. Some of my debts have now dropped off my credit file this morning I got a letter through from Lowell. I've had tonnes before including an offer £350 for a partial settlement a few months back. I have just been ignoring these letters or marking them RTS. I'm just slightly concerned because this one is a different format to usual with the heading 'Pre-legal Assessment'. Should I just continue to ignore? Once I calmed down I noticed the text was less clear than it first appeared - 'whether to transfer' and 'a decree may be registered' The problem is I don't have the money to pay this there is another one with Lowell for about £600 on my credit file if I were to pay I suspect they'd come after me for that too. Also... quick question on the decree. If a decree were to be issued would it drop ofter after 6 years from being issued or 6yrs after the initial default? The default was issued in Oct 2013. Thanks for your help in advance. Lowell.pdf

Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – 17 July 2017 date to submit defence 19 August2017 What is the claim for – 1) The Defendant entered into an agreement with Orange under account reference ..... ('the agreement'). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 18/12/2013 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £465.45 remains due and outstanding. And the Claimant claims a) The said sum of £465.45 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.102, but limited to one year, being £37.24 c) Costs What is the value of the claim? £632.69 including court fees Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Mobile phone account When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? No, received one letter and then County Court Claim. Did you receive a Default Notice from the original creditor? I don`t think so. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? I cancelled the account in full accordance with the original claimant's cancellation procedure. What was the date of your last payment? 26th April 2012 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No. Hello everyone, first time here but I have read a few threads on here and seen the great work you guys do. I`ve got this county court claim that came through (22/07/17) as stated above I have gone through the necessary steps as stated in previous cases, that is Acknoweledgement of service (26/07/17), CPR 18,(27/07/2017) and now I am preparing my defence. My question is to do with the reply for the CPR I got from Lowell Solicitors, I received, the cover letter, the notice that they bought my debt and the notice of assignment from orange( very dodgey). Will post attachment if needed. My first question is, in the cover letter they state that my last payment on 26/04/12 was for £60.72 but in actual fact I paid £120 on that day, as backed up by my online bank statement for that month, should I mention this in my defence and if I should how would I word this properly? Secondly because of the nature of the notice of assignment (no official logo, no traceble name, not very professional) is there a way to dispute the disingenuous nature of the letter. Your assistance will be greatly appreciated .Thanks Mike

received c/c summons from lowells via n/Hampton indicated that didn't have any knowledge of debt and would defend on line n/Hampton acknowledged . this am a letter from Lowell solicitors Form N 190 already filled in just requiring my sig , they did also state that court would be in touch ive heard it all now or is this the norm. have sec 77 lowels no reply as yet

Hi All submitted SAR for Vanquis CC debt on 19th July 2017. Have received a reply dated 2nd August 2017. It says receipt of my letter confirmed and apologies for delay in response. Letter then states 'A request has been sent to the original creditor for a copy of the agreement and statement of account. These will be forwarded upon receipt.' Further advises 'The above details relate to an account opened in September 2007. Last payment was made to the original creditor on 26th August 2011. Please see below for a list of transactions.' There then follows a list of shops names with transaction 1, transaction 2 etc typed next to them. No monetary amounts just shop names. Letter ends with statement 'We have suspended action on the account to allow for the original creditor to provide us with the requested information. If you wish to speak to a member of our staff please call etc etc.' Can anyone advise: 1. Will Vanquis provide the information? 2. What if anything should I do now? Any help greatly apprfeciated. cheers Steve

Name of the Claimant: Lowell Portfolio Date of issue: 28 July 2017 What is the claim for – the reason they have issued the claim? 1.The claim is for the sum of £640 due by the defendant under the agreement regulated by the consumer credit act 1974 for a J D Williams account with an account reference xxx. 2. The defendant failed to make contractual payments required by the agreement and a default notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. 3.The debt was legally assigned to the claimant on xxxx, notice of which has been given to the defendant. 4. The claim included statutory interest under S.69 of the county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £50. The claimant claims the sum of £700 What is the value of the claim? 700 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue When did you enter into the original agreement before or after 2007? Probably, but not confirmed Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Could no longer afford it What was the date of your last payment? Approx sometime in 2012 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I received the above today. Have had a little read around and know I need to state I will be defending and I need to send off a CCA request and a 31.14 letter, which I will do. One question, if I go online to the court page and click the acknowledgement of service, do I still have the full time scale as I am away next week, so wont have the ability to send it later on, however I don't want to limit myself to 14 days from acknowledgement. Thank you

Bit of help/advise needed. during a recent search through the credit file I came across a default registered by Lowell Financial a former Provident debt. following some threads on here first thought was to CCA them CCA'd them on 14.06.17 finally received a copy of a credit agreement and statement of account on 29/07/17. however I am dubious as signature doesn't look like mine, the agent I was dealing with back then was named Joan and never had any contact with the agent named on the credit agreement. also on the statement of account it states I made a payment of 10.00 on 16/05/2013 however I did not make this payment. having checked the default date its 23/01/2012 so suspect they are trying to get around the stat barred rules. can anyone give me an opinion on the attached and also how to go about dealing with this. As 100% the agent signing is not the one I dealt with there was no payment on 2013 and statement looks abit iffy at best img011_LI (2).pdf img012_LI.pdf

Hi Everyone right here is my story, i took out a mobile phone contract with orange about 3 years or more ago now im not going to lie 3 years ago i was a little bugger and thats just say i took the contract out not for the contract and never paid a PENNY so i do owe orange the money, lowell have been sending me letters for years but have only recently threatened court action The thing is a week letter i receive this letter for a discounted offer, does this mean they have no evidence if they are offering me 40% discount, it does say if i dont pay this by the 30th they will take me to court the original amount is for something like £778 and now there offering me to just pay £467 something like that. Below i have attached the letter if you would like any more information please do no hesitate to ask Best Regards Backswine https://ibb.co/iDjBH5

I am helping a friend out with her debts. The most pressing problem is a letter from Lowell Portfolio for an orange mobile debt. They say they Will issue a claim in the county court if they do not hear back within 14 days there are 6 left. The default balance is given as £120 on 17/6/2012 the balance now stands at £398.71 and the letter says it will increase to £515.61 if it goes to court. She cannot recall much about the contract. I would like to buy her a bit of time as she has come into some money and may be able to pay an amount back to them. I just want to be able to establish how the debt has grown from £120 to £398 first. Any help much appreciated.

Hello everyone. I need an advice. Received a letter on 06 July this year from Lowell. It states I owe them £510.38 for an account I had with Three mobile years ago. As far as I remember from previous letters this alleged debt and another smaller one (60) with Three exchanged hands few times and are now owned by Lowell . The thing is I have no idea where this amount of debt comes from. I had 2 contracts with Three, one for mobile broadband (which i closed 5-6 years ago and dont owe anything) and another one which was opened 8 years ago and i kept renewing until I abandoned about 5 years ago and stopped paying. it is likely they put all sorts of charges etc. , for which i have no recollection of letters etc. But still the amount seems too too high and dont know if the original account number with Three they have quoted is mine. I think I need to request info from Lowells without accepting any liability or that the account belongs to me, as they might be just shooting in the dark. Kind of '' prove it letter'', instead of request for summary of account under the consumer protection act. The letter from Lowell : ''Dear Mr. source of income Your Three Mobile account remains unpaid. We are now deciding whether to transfer your account to our solicitors to take legal action against you to recover this debt '' letter continues with explaining what legal action is etc. etc. So in summary : - received letter from Lowell that they consider transferring my account to their legal team - i have no idea if that account belongs to me - i have no idea where the amount of debt mentioned is coming from, have no memory of receiving any letters with charges from original debtor (Three) - need to establish if account is mine and where this amount has been worked out Thank you in advance Also they put a new default date on that alleged debt in my credit file , although the original default date is years ago. How can I include a request for this default to be removed ? P.S. Having debt on my credit file doesnt mean I owe the debt, as I havent checked my debts and credit file for few years due to illness.

Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – 07 July 2017 date to submit defence 8th August 2017 What is the claim for – 1) The Defendant entered into an agreement with Orange under account reference ..... ('the agreement'). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 21/12/2016 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £160.09 remains due and outstanding. And the Claimant claims a) The said sum of £160.09 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.035, but limited to one year, being £6.91 c) Costs What is the value of the claim? £242.00 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Mobile phone account When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? I was aware Lowell had acquired the debt when they suddenly began bombarding me with communications. Did you receive a Default Notice from the original creditor? Unfortunately I can't recall. I've heard nothing from them (I don't think) since Orange was acquired by EE, and that was years ago. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Actually I cancelled the account in full accordance with the original claimant's cancellation procedure. As a safeguard I also cancelled the direct debit agreement, knowing that no more money was owing. Unfortunately they later claimed that more money was indeed owing on the account, which I completely dispute. However I wasn't able to properly dispute this with them, as they had already referred the debt to a third party, who I beleive was Moorcroft. What was the date of your last payment? I can't be certain, again because this whole matter has been quiet for so very long, but I think it was circa September 2011. That would place us close to 6 years, which I'm guessing may not be a coincidence. Was there a dispute with the original creditor that remains unresolved? Very much so, although I can't evidence this in any way at this late stage, and it's difficult to recall the finer details. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No. There were no financial problems. As far as I am concerned the account was cancelled correctly and paid up in full. Hello all. I've been referred here by a long standing user, and I hope you guys can help... I have received a claim form from Northampton County Court Business Centre, for a claim issued by Lowell in relation to an old mobile phone debt, the validity of which I question. They are claiming £167.00 plus costs, fees etc. I have completed the Acknowledgement Of Service, and I would very much like to defend the full amount of the claim. My answers to the standard questionnaire are above My thanks in advance for any and all assistance you can offer. Dave

Name of the Claimant ? Lowell Portfolio I Ltd Date of issue – 7 July 2017 Date to submit defence - 8 August 2017 What is the claim for – 1. The defendant entered into an agreement with Orange under account number XXXXXXXXXX 2. The defendant failed to maintain the required payments and the service was terminated 3. the agreement was later assigned to the claimant on 21/12/2016 and notice given to the defendant 4. despite repeated requests for payment the sum of £240.19 remains due and outstanding and the claimant claims a) the said sum of £240.19 b) interest pursuant to s69 county courts act 1984 at the rate of 8% from the date of assignment to the date of issue, accruing at a a daily rate of £0.053 but limited to one year, being £10.37 c) Costs What is the value of the claim? £325.56 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Mobile Contract When did you enter into the original agreement before or after 2007? After 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes - this has been through several debt purchasers Did you receive a Default Notice from the original creditor? Can't remember, presumably yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? The original contract (2 years phone + service) had been paid, Orange took unauthorised/disputed payments; bank reversed transactions What was the date of your last payment? Not sure, sometime around 2013 Was there a dispute with the original creditor that remains unresolved? Yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No, refusal to pay I have prepared a CPR13.14 request as per the instructions I've read. Is there anything else I need to know/do? My mum is going out of her mind with worry about this. Your help is greatly appreciated. Thanks in advance Hello CAG, long time lurker, first time poster here I've perused these forums for a fair few years now for help with my debt issues. Keep up the good work and I intend to make a donation come payday regardless of the outcome of my case. Pleasantries aside, I've got a problem with Lowlife solicitors. They've issued a County Court claim against my mother for an old junk debt with Orange that they've acquired. I've filled out the MCOL forms as per instructions with the intention of defending all claims and completed the initial questions above. Apologies if some of the information is vague/incomplete as my dear old mother has forgotten some of the relevant information.

Hi, I have emigrated from the UK, but Lowell keep sending letters to my old address. They are being marked with 'No Longer at This Address - Return to Sender' but, after being returned, they send out a new one to the same address. How do I make these guys stop? For what it is worth, I do not even owe the debt. Prior to moving, I cancelled my contract with Plusnet. I paid off the last remaining month, then cancelled the direct debit just in case they forgot to close things off on their end. That is exactly what ended up happening as, a month later, they sent me an e-mail asking me to get in touch with them over money I owed them for the previous month. I did so and I was told that they no longer have me on their list of active customers, so they are not sure why I was billed and they told me that I didn't owe them any money. A couple of weeks later, a letter arrived in the post. I have googled the address and traced it to Lowell's. It appears to me that Plusnet have sold off a debt that doesn't exist, who will now not stop sending letters. As I am overseas, the letters are not being opened and there is not a great deal that I can do to respond to this. Does anybody have any suggestions?

Howdy, I have a situation that I would really appreciate some input on. Recently Lowell contacted me for a debt I thought i had paid off in 2008. It was as credit card that I took out as a student. I had no previous contact from lowell until earlier this year. I received three letters demanding a sum of money and ignored them. I then received a pre court letter. When i contacted them they said the only way to prevent a cci was to set up a token payment plan in the meantime and they would provide me with proof of the debt. They told me to disregard the court letter. I agreed and set up the plan. The evidence i asked for didn't appear and i cancelled my direct debit before any payments were taken and then called them to ask whats going on and they said they were still waiting to hear back from the original debtor. A couple of weeks went by and then i received a letter from the court saying that a CCJ has been made. I have now received a letter from Lowell saying that they do not have any copies of original agreement etc and the debtor doesn't have them either. What can I do in this situation? I understand that once a ccj has been made there is not much one can do as even though its an unenforceable debt it has already been enforced but can they really demand the money without any evidence I still owe it? Any advice would be greatly appreciated.

Lowell recently sent me a 'letter before claim' giving me 14 days to contact them regarding a debt from 2011 or they would take me to court. This debt relates to a bank account, with NO overdraft facility that ended up going overdrawn. I received some advice and sent them a prove it letter and after a few weeks received the following as a response - imgur (dot) com/ a /E7JuE Along with the above letter they sent a copy of my bank statement from 2011 but there was no notice of default included in the package, which they state they did send but have not. Is there anywhere else I can go with this now? Any help appreciated! EDIT - Cannot post link to image. The letter basically says "Please find enclosed a copy of the statements and default notice as requested from the original creditor. As this account is a current account it is not regulated by the consumer credit act therefore the original creditor is not obliged to provide you with a copy of the agreement"

I took out a £300 Loan with Provident a while back and, due to non repayment, My debt has been sold on to Lowell. Lowell contacted Me by phone to inform Me they were a collection agency and my Debt with Provident had been passed to them and stated over the phone that I owed them over £500. I immediately asked how this was considering My original loan was £300 and the agent said that it was 'fees' when I asked what fee's He claimed an agent had called at My Home (Never happened) and this extra debt was call out fee's for the bailiff. I asked the rep. for a full and complete itemized breakdown showing what every penny over and above the original £300 was added for and how the debt had grown. He responded by telling Me "We do not send out information like that I'm afraid, Sir" and I said "Well I am afraid I am not paying it then." He then tried to use the 'Data Protection Act' as His reason why they could not do this and I stopped Him mid sentence to let Him know that as an employee of SKY TV selling products (Boxes, package upgrades, Broadband and Sky Talk etc) I myself am extremely familiar with the Data Protection Act as I have to work within it's guidelines and rules on a daily basis. He put Me on Hold to speak with His Manager and came back to say "Sir, MY Manager tells me You are correct in that it isn't Data Protection that bars this being done, it's simply not company policy to send itemized bills on request." I then said "Well I could ring anyone and claim they owe me 4 Million pounds and tell them when they natural ask how and why, 'I'm sorry, I'm not obligated to tell you that. Now are We paying by Visa or Mastercard?" Put on Hold a second time and came back to say "Sir, We will post the itemized bill showing what the extra charges are for and when then incurred. Have a nice day." One week later I received My 'Itemized' Debt. "Dear Mr _____ Account Balance Outstanding: £300" They tried it on because they simply assume if they tell You 'We are not obliged to send you itemized bill showing how and where extra charges incurred' that I, the debtor, won't know any better. I just wonder how many people have simply complied and paid who may not have known any better.