I have been working abroad for a few weeks and returned today to a claim form from MKDP LLP issued on 11th July for an old Barclaycard debt. What is my best method of dealing with this?

Hi, I have asked barclaycard to recover money i paid to a company which stated that i had a "no quibbles 60 day money back guarantee". I was unhappy with the installed item and asked the merchant for a refund, the company stated that their "no quibbles" money back guarantee doesn't work like that. To cut a long story short barclaycard attempted a chargeback which was declined by the merchant bank. The merhcant produced a set of terms and conditions which were not there terms on their website at the time of my order. I managed to retrieve the previous terms with the help of an archive website. I received a call from barclaycard today stating that as the invoice is not in my name then they cannot carry out a chargeback under section 75. they said that there is no way of verifying that benefited from the goods, even though i like at the address in question and the unit was installed there. What are my options as time is running out. The invoice was supposed to have my details on but when my brother in law gave my card details he did not think that my details would not appear on the invoice.

Hi all looking for advice a previous credit card debt has now been passed onto lowells who sent a letter asking me to phone. I didnt phone i sent the cca letter requesting my cca with a £1 postal order. I received a reply yesterday saying my account with them has been put on hold because they are trying to get the original cca from barclaycard. This is for a credit card i took out in 2004 and was paying up until 2009 but hit hard times. i have not paid anything since then and was wondering what the next course of action is please? on my credit file it says barclaycard settled my account then lowells took it over/bought it?? any help would be much appreciated thanks ☺

Hi hope someone can help. I had a CPP for the above in which I have been successful in reclaiming. The only thing is I have today received a statement and Barclaycard have deducted protection amount owed from balance, Tax amount and also the simple interest amount ? The card was suspended a couple of years ago (due to another barclaycard account that I had problems with) and I always make the regular minimum monthly payments that are due on this account. I have had no contact from them regarding what they have done or any further contact from Card Protection Plan Limited. Is this correct what they have done as I thought that any interest less tax should have been returned to me and not applied to the account ? Its not a large amount but its the principle of the matter that concerns me. Apologies if I have posted under wrong section.

Back in May I CCA'd Lowells regarding a Barclaycard debt. I have received a letter from them saying Woo Hoo! Regards, Sue

I received a letter from Hamptons - is this standard threat-o-gram stuff or something more serious? The text of the letter is: I have been ignoring all letters from Lowells about this debt for nearly 3 years. Should I ignore this, too? Thanks, Sue

After too many years of running to stand still I am writing to Barclaycard to tell them I will be making a token payment of between £1 and £5 per month in future as I am too hard up to pay the true minimum payment of around £50. I have recently skipped paying a couple of months so the phonecalls and letters have started. I will also be sending off a SAR because I have recently noticed that because my credit history recently is not too good they have reduced my available credit to £0 and are charging me £12 pcm for the privilege! I am also tempted to sent off a letter along the lines of this one http://www.consumeractiongroup.co.uk/forum/showthread.php?256822-Madnes-v-Barclaycard-**REFUNDED-EASILY** just to get the ball rolling while I wait for my SAR to comeback allowing me to construct a spreadsheet. I'm just a little unsure what I can actually claim as unfair/illegal and what I cannot? Thanks for listening

Hi, I am new to the forum and have found it useful so many thanks. I have a credit card debt that I have not been able to service for around 2 years due to the financial crisis. I am just starting to get back on my feet. Barclaycard have in the past served me with a default notice etc but have never informed me that the debt has been purchased, transfered or otherwise to MKDP. Last week I had a court summons arrive (just as I was about to go on a much low cost get away holiday for a few days). I have submitted my acknowledgment of service via the web and I am now starting to prepare my defence etc. I am drafting my CPR31.14 to MKDP, along with a CCA and this will go to them on Monday by recorded delivery. Below is the draft of my defence I intend to send to support myself to the courts in Northampton. I would be grateful for any opinions etc that anyone could share and / or give me please. Tanks in advance. "The claimant claims the sum of £3680.78 being monies due from the Defendant to the claimant under a regulated agreement originally between the Defendant and Barclaycard. The defendant's account number was xxxxxxxxxxxxxxx and was assigned to the claimant on 13/06/2013, notice of this has been provided to the defendant. The Defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974. The claimant claims the sum of £3680.78 and costs. The claimant has complied, as far as is necessary, with the pre-action conduct practice direction. ---- Defence: In the Northampton (CCBC) County Court Claim number xxxxxxxxxxxx Between MKDP = Claimant and Mr X = Defendant DEFENCE 1. I, Mr X of XXXXXXXX am the defendant in this action and make the following statement as my defence to the claim made by MKDP. 2. Except where otherwise mentioned in this defence, I neither admit nor deny any allegation made in the claimants Particulars of Claim and put the claimant to strict proof thereof. 3. The claimants Particulars of Claim are vague and fail to disclose any cause of action, they appear to be an abuse of the process in that they fail to deal with the basic rules of pleading in accordance with the Civil Procedure rules. (Even allowing for the constraints of the bulk issue system) 4. No documents supporting the claim in the particulars have been offered nor have any dates of agreement been stated which the defendant needs to establish what agreement it is that this action is based upon and so the claimant's claim appears without merit. 5. As a result, the claim as pleaded does not contain sufficient particulars to permit me to file a properly particularised and pleaded defence. I am at a disadvantage to respond to this claim and to allow me to properly respond to the claim. 6. It is denied that I have an agreement with MKDP. 7. If, which is not admitted, such an agreement exists, the precise terms and date of any such agreement are not admitted. I do not have in my possession any such agreement and am not therefore able to comment thereon. The Claimant is put to strict proof as to the date and terms of such agreement. 8. Without admission that any cause of action is shown by the Claimant it is denied that I am indebted to the Claimant as alleged or at all. 9. If the Claimant is the Assignee and there has been an Assignment, the Claimant fails to plead as such and it is contended that no such Notice of Assignment pursuant to the LoP Act 1925 as ever been received. Without a Notice of Assignment, the Assignment is merely equitable and the Claimant is put to strict proof to disclose this and proof that this claim can commence in their own name. AND the Defendant seeks an order that the Claimant’s action is struck out or otherwise is dismissedon the grounds that any claim cannot succeed. Alternatively if the court decides not to strike out the Claimant’s case, it is requested that the court orders full disclosure of the requested documents pursuant to the civil procedure Rules. The Defendant respectfully asks the permission of the court to amend this defence if or when the Claimant provides full disclosure of the requested documents and allows inspection of the original documents. Statement of Truth I believe that the facts stated in this defence are true. Signed Mr X Defendant

Does anybody know how to interpret a BC Sar properly?! Mine is printed out in 1 long sheet and its confusing trying to make sense of it. I didnt receive any statements and after complaining i was told all the information is on the sheets! I'm looking to reclaim charges and it states :Late payment fees £84 total amount calender year to date. Does this mean in one year or the whole account time until the Sar was sent because that seems a low figure and a lot of them would have been in 2005. The account was Defaulted April 2010 and the Sar is from April 2011. Also as i have no dates how can i work out interest to apply!!

Hi all, I'm looking for some advice in regard to a very old Barclaycard account which my husband is being chased for. We sent a "prove it" letter to Bryan Carter solicitors, and have now received a letter from Fredrickson stating that if full payment is not received within 48hrs, Fredrickson will recommend that Lowell commence legal proceedings. Am I right in thinking we should now sent a CCA request to Lowell?

Hi, I was looking for some advice on what to do with my Egg card. The agreement can be found by clicking the link below. Due to my lack of income my current status with this card is that Ive been on a payment plan for 6 months with them. This ended 2 months ago and since then Ive paid token payments totalling £26. They are hounding me now wanting payment, which I just havent got so what do I do? I know there's a case going through regarding Egg and this 'approved limit' statement but is there anything I can send them in the meantime? All advice would be greatly received. Regards Egg CCA pictures by musicronny - Photobucket

Greetings all Following a lot of reading here, the following is my current state of play with a claim received from MKDP LLP. At the end is my proposed Defence to the Court. Name of the Claimant ?MKDP LLP Date of issue – 26th June 2014 What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. What is the value of the claim? £8410 Is the claim for a current or credit/loan account or mobile phone account? Old credit card When did you enter into the original agreement before or after 2007? 1980s 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? No Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments:- Change of circumstances 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 Amount claimed £8000 Court fee £410 Total amount £8410 Particulars of claim The claimant claims the sum of 8000 being monies due from the Defendant to the Claimant under a regulated agreement originally between the Defendant and Barclaycard. The Defendant’s account number was XXXX and was assigned to the claimant on XX/XX/2011, notice of this has been given to the Defendant. The defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. The Claimant claims the sum of 8000 and costs. The Claimant has complied, as far as is necessary, with the pre-action conduct practice direction. I acknowledged service on 14th July. CCa sent My CPR request: 14th July 2014 1: the agreement. 2: the assignment 3: the default notice 4: the termination notice 5: statement of account Their response: We write with reference to your recent request to inspect the documents referred to in our statement of case under CPR 31.14. Unfortunately at this time we are unable to fulfil your request and as such we will need to liaise with the original lender to request the appropriate documents. We will forward these to you upon receipt but this may take up to 8 weeks. We draw your attention to the fact that this claim is for a balance less than £10,000 and the normal track will be the small claims track which is governed by the Rules and Practice Directions of CPR 27. This means that Part 31 of the Rules is not applicable to your claim pursuant to CPR 27.2(1)(b) and CPR 31.1(2). It is not our intention to obstruct proceedings, on the contrary it is our view that the early disclosure of documents assist in reaching settlement. It is also worth noting that we are required to serve on you and the Court copies of all documents upon which we intend to rely at least 14 days prior to any date fixed for a final hearing in order to substantiate our claim and in compliance with CPR 27.4. Please note that now that a claim has been issued it is your responsibility to file a response and we may enter judgement if an Acknowledgement of Service or Defence is not filed at the appropriate time. For the avoidance of doubt it is our contention that you are in a position whereby you can respond to the claim form to the extent that you can admit or deny both liability and quantum without sight of any documents. My proposed defence to be filed: 1.The claimant claims the sum of ****.** being monies due from the Defendant to the Claimant under a regulated agreement originally between the defendant and Barclaycard. 2.The Defendant's account number was **************** and was assigned to the Claimant on XXXXXX, notice of this has been provided to the Defendant. 3.The Defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit Act 1974. 4.The Claimant claims the sum of ****.** and costs. The Claimant has complied, as far as is necessary, with the pre-action conduct practice direction. Defence 1. Paragraph 1 is neither admitted nor denied with regards to the Defendant entering in to an Agreement referred to in the Particulars of Claim. Until such time the claimant can comply with my section 78 request and CPR 31.14 the claimant is prevented from enforcing any agreements or seeking any relief. 2. Paragraph 2 is denied that any notice of assignment – as required by section 136 of the Law of Property Act 1925 and by section 82a of the Consumer Credit Act 1974 – was received on or after 17/9/2012. 3. Paragraph 3 is denied that any statutory and valid default notice has been served on the Defendant. 4. Paragraph 4 is denied the claimant has complied with any pre action protocol and has yet to respond to my requests for clarification. It is denied the Defendant owes any monies to the Claimant and the Claimant is put to strict proof to: (a) Show how the defendant has entered into the agreements (b) Show how the Defendant has reached the amount claimed for © Show how the Claimant has the legal right, either under statute or equity to issue a claim by way of a Notice of Assignment and evidence of its service On receipt of the claim form the Defendant sent a CPR 31.14 request dated xxxxxx for a copy of the notice of assignment, default notice and a statement of account showing how the amount claimed has been reached, which form the basis of this claim. This was signed for by the claimants solicitors on xxxxxxxxx. The claimant has yet to comply. On receipt of this claim form the Defendant requested a copy of the credit card agreement by way of a section 78 request dated xxxxxxxx. The Claimant has yet to comply. Therefore the claimant in their non-compliance to my requests have frustrated my attempts to clarify their claim and against pre action protocol should be considered when the question of costs arise. 5. As per Civil Procedure rule 16.5(4) I expect that the claimant prove the allegation that the money is owed. 6. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 7. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. Is this appropriate as a filing? Thanks to all who have contributed and have let me get this far. I hope I haven't yet made any blunders.Any other guidance greatly appreciated, please just let me know if I am good to go with the above.

I received a letter from Wescot today titled - ''Notice of debt collection''. We have been instructed by our client(Barclaycard commercial) to collect the outstanding balance on their behalf. The amount outstanding is £1174.95 which (judging by my statement) is comprised of £778.95 on purchases and £396 default fees. I started a little business(sole trader) 3 years ago that went absolutely nowhere and this is where this debt is derived from. Now...I had been making payments on this account but for a good 6 months I have not been in a position to keep up, and therefore I find myself in this situation. My goal is to try and offer this company(Wescot) a small percentage of what is outstanding as I simply can't afford the full balance. I just want to get rid of this debt as swiftly as possible. I would like to know how to go about achieving my goal ie. Do I send a letter requesting a F&F settlement straight away or are there other routes I need to go down first? Also could the default charges due not be offset against the full balance? Any help would be greatly appreciated. Thank you Craig.....newbie

Info in brief Back in 2002/2003 I opened a Barclaycard account and my boyfriend of the time used it. I was not as financially aware as I should have been and ran up huge bills, which I was unable to pay at the time. I default for about 7.5k in 2006. In 2008 I heard from 1st credit regarding the debt and I made a couple of payments. Since then I haven't heard anything until 3 days ago I received a letter from "Barclaycard' giving the card number the balance outstanding and their reference number. They stated that they "hereby give notice of the assignment of the debt due to us by you in respect of the outstanding balance on your Barclaycard account." It then goes on to say that on 13/03/2007 your account was assigned to 1st credit who are now the legal owners of the debt. Today I have received a letter from 1st credit introducing themselves (as if we’ve had no previous contact before” and saying the want the spondoolies and if I don’t pay them this will result in more formal recovery proceedings. It does state that they will comply with any request for a copy of the personal information that is held about me on their system, and that I need to send £10 and a self addressed envelope to the above address. So here goes… 1) Do I CCA them? (Are Barclaycard good with their record keeping) 2) At the time I paid them I was unaware that they were the owners of the debt. 3) Should I SAR them? 4) Should I ignore them 5) Is it worth sending the Statute barred letter or is it likely they will find the payments Any help would be GREATLY appreciated. I had thought that this had gone away but clearly not. One final point the quality of the paper the barcodes on the letters look nearly identical and also the writing on the side of the paper is also in exactly the same place. One of the words is Comproc Thank you again Sarah

Hi I am new and just dusting off the sand from my head so please bear with me. I have a couple of large debts but one of them, a Barclaycard is older than 6 years so am guessing it is now Statute Barred. It has been tossed around different debt collecting agencies namely Lowell and Frederickson to name a couple. So far I have ignored the letters because I had no way of paying them and just wedged my head in the sand. A couple of years ago I did try to claim PPI on it but was refused. Does my contact with them when attempting to claim PPI mean that the debt is no longer Statute Barred? Any advice would be gratefully received, thank you.

Hi, I'm going through a claim with Barclaycard at the moment which dates back to the mid 90s. Ive sent back the original questionnaire but they have written back asking me for proof I was employed at the time. I wasn't, I was self employed so I think they may be trying to trip me up, also due to the length of time I have no proof either way. Could anyone advise me how I should proceed?

Hi, After over a year of trying I have finally received a calculation from Barclays for my Mastercard which I took out in 1996. After the involvement of the Ombudsman they offered to settle out of good will with no admission. The offer letter I received stated that they are admitting that I was missold. The letter is a little cryptic in that it states that they are "not required to retain statement information for more than 6 years" and that the value of payments prior to 2005 would be calculated assuming that the payments reduced at a steady rate to 0 going back to 1996. They say that they are happy to recalculate should additional information be provided. Who in their right mind keeps statements going back to 1996 ???? Well, my wife has been going on at me for years to clear out my paperwork. I am so glad I did not listen. I have found statements going back to 1996. Putting these into the calculator makes quite a different picture. I do have a couple of questions though. What interest rate should I use when calculating compound interest. Do you think Barclays really do dispose of records from before 2005. Many thanks for all the great advice that I have received and I cannot thank the Ombudsman enough for their professional and considerate service.

Hi I will apologise for my spelling and grammar in advance as I'm dyslectic Back in June 2005 I took out a Barclaycard on a 0% offer and transferred my HSBC Balance of £1056 on to the card within a few months I became unwell giving birth to my Daughter and had to give up my job, I ended up missing a couple of payments and I telephoned Barclaycard and explained my situation and asked if the missed payments could be added back to the balance and I could then manage to stick to the monthly payments .. I was refused any help and worse advised that due to the missed payments that they had now removed the 0% offer so my next payment would include 2 missed payments, interest, charges + the next months payments. After this I never got back on track I did however stick to making regular payments but could not afford to clear the arrears and charges so each month I was getting charges for missed payments on top of the balance. over the years the debt was passed between their in house collectors and back to them but every time I carried on making a payment each month and asking for help but never got any. In 2012 I added up that I had received over £950 in charges + Interest on top & I had paid over £1200 off of the balance. Due to this I decided enough was enough I allegedly still owed Barclaycard over £1351... stopped making payments and sent them a letter explaining the issues I had had over the years and pointed out that I had more than paid back the balance I had transferred to them in 2005 and there was only a balance of £1,352,79 owing due to the fact that they had refused to help me when I had started to struggle 7 years previous. At the time I had managed to save £600 and offered to pay this to them in full and final settlement of the account which they refused in a final response letter. After that I did not contact Barclaycard again. 17th April 2014 - I received a letter addressed to myself from a company called Mkdp saying they had brought an account and balance and I should contact them! It didn't say who the debt was owed to or how much it was for so I just ignored it 28th April 2014 - Received a letter from mkdp saying they had not received an offer of payment, with a payment slip attached saying Barclaycard & £1,352.79 14th May 2014 - Letter received from mkdp stating still not received offer from myself 28th may 2014 - Letter received from mkdp stating still not received offer from myself 17th June 2014 - Final Notice from mkdp (£1,352,79) 25th June 2014 - I sent a request for a CCA & a £1 postal order direct to Compello Group (Recorded delivery signed for 27th June) 4th July 2014 - Response received - Balance showing the postal order had been deducted from the balance ! (£1,351,79) "Unfortunately, at this time we are unable to fulfil your request" .. ... "We will contact you as soon as we receive the documents you requested" ?? July 2014 - Received another final notice with 7 days to act (cant find it now to add the details) 5th August 2014 - Final Response received (£1,351,79) stating that I had requested the CCA by telephone.. . I've never once spoke to them !!! I've added a pdf with a copy of this response including a version of the alleged agreement (the first 2 pages of the letter are at the end 26th August 2014 - Letter received from Raven (£1,351,79) "Owing to you not having a payment arrangement in place with mk rapid recoveries they have instructed us to collect the outstanding balance you have with them" I'm stuck now what do I do next ???? Thank you in advance for any help

Share the same computer systems? Many thanks

Hi there I am trying to find out the insurance under writers for Barclaycard in the 1980's and 1990's. I think it was a company called Consolidated Financial Insurance Group Ltd but I have been unable to find out anything else about them such as who the parent company was? Does anybody have an idea or could you direct me to a register of under writers for the various financial institutions? Barclaycard are being very unhelpful in supplying information about my PPI policy and this is a possible further avenue for investigation. Many Thanks.

Hi folks its my first post here so please be gentle with me - barclaycard sold my default to MKDP LLP and this company is mention on my CRA file as being the company who issues the default. I have recently sent a recorded delivery letter to barclaycard asking for a true copy of the original 1995 Credit agreement. My question is if they send me back a letter stating this is a reconstituted copy of the original agreement ( what must this reconstituted agreement contain ??) and, should I also send MKDP a letter also asking for a true copy of the original agreement. Now I understand that once tipped off by barclaycard - MKDP may send a claims for the amount outstanding - is this the case and any guidance would be great.

I received a letter from "MK Rapid Recoveries" regarding a debt on a Barclaycard which I have never had. They have indeed put a default notice on my credit file. anyone know how to rectify that? ( sorry never had this before)

Hello, Lots of information I've been reading, but nothing specific to my problem, so i'll post it here and hope one/some of you kind people can provide information and suggestions on a way forward for me. i fell foul of a £4000+ debt back in early/mid 2010 and foolishly (in hindsight) then tried to use of those mickey mouse co.'s offering to render it all unenforceable. Suffice to say it didn't work, so i was left with this debt i couldn't pay. paid them £20 a month from mid/late 2010, which i have had to reduce to a nominal £1 per month from mid/late last year. I have been making this payment now to the present day. I just cannot afford anything more and have no idea how to go forward/get rid of this. a third party has offered to pay a sum in full final settlement, so a £1000 offer was put to them this year, which was rejected as insufficient. But they'd look again at an increased offer. This may be possible, but i don't want to spend someone else's money lightly and certainly not knowing what amount they would be willing to accept. Please, any help/suggestions would be much appreciated - if you need any further details form me, let me know. Thank you (all) in advance.

Hi all, I am looking for a bit of guidance. I have attached Photos of all letters. I will start from the beginning.... once upon a time- On the 7th of April I received a letter from "Hamptons Legal" saying they are the pre-litigation department of "Lowell". They were asking for an immediate payment to "Red Debt Collection Services" please find a copy of the letter bellow - As you can see I have 3 different company names on that I replied with a request of CCA to "Hamptons Legal" on the 15 of April please find copy of letter bellow- On the 23rd of April I got confirmation from Lowell of the request. And they informed me they were contacting my original lender. On the 24th of April i got 2 letters from Lowell; Said was exactly the same as the one i received on the 23rd of April Said they had been in touch with Barclaycard and they were trying to retrieve the document from their archives On the 6th of May i received another letter from "Lowell", saying exactly the same thing as number 2 letter i got on the 23rd of April. Copy of letter bellow On the 12th of May "Lowell" got in contact again with me with another letter this one saying they are still waiting on Barclaycard, though this letter was slightly different to the ones i received on the 23/04 & 06/05. As this one said under the We're Here to Help heading - they won’t write to me again until they have a copy of the agreement (helping my filling situation defiantly). copy of letter bellow Then on the 5th of June "Lowell" contacted me saying that Barclaycard couldn't get a copy of my credit agreement due to the length of time since the account was opened with me. So they were closing my account and not making any further contact unless a copy of the agreement is produced by Barclaycard. copy of letter bellow I then didn't hear from Lowell till today 17th of July. This is what i received - I won’t short hand any of the document as i don’t want to mislead anyone and get the wrong advice so il take a couple of key quotes out of it and you can find a copy of it bellow. "Your Original creditor has provided us with the attached reconstituted copy of your credit agreement" "which they confirm you would have signed prior to the granting of credit to you" "we are not obliged to send you an exact copy of your signed agreement" "we are also enclosing copy of statement for your perusal and retention" "the outstanding balance show on these statements does not match that of the outstanding balance. This is due to the fact that they are only up until 15th December 2011 and our account was opened on the 2nd of May 2012." "As we have now fully satisfied out obligations required follow your request under section 77/78 of the consumer credit act 1974, we look forward to receiving your proposals for settlement of the account within the next fourteen days" Ok so the document Barclaycard have sent me - To start with the documents are dated the 12th of May 2014. So Lowell should of had them before sending me letters saying they where closing my account unless a copy of the agreement was found. It is then a cover letter then a contract followed by copies of statements. Photos of the documents are attached. The cover letter is attached - The contract has the right to cancel paper with it bizarrely an other than that it is blank tho in small print at the top it has my name and a old address. i have taken photos of it and attached them. The statements are card statements from Dec 2010 to Dec 2011 --------------------------------- Sorry for the bombarding of information i just figured i would rather get it all down in one hit then keep uploading a document here or there. So what do I do now? In my eyes what they have sent me is a complete load of rubbish? But I am no expert at this so I am hoping you guys can help me out. Thanks in advance for all your help!! If i have made any silly mistakes please let me know David

could anyone help with this , i have lowell chasing a debt that they purchased from barclaycard some years ago , im fairly certain that this is SB , on my credit file there is no reference to barclaycard there is reference however to the debt by lowell who have been reporting it since 2008. The account was actually opened in 2004 but as there is nothing under barclaycard i believe it to be SB as lowell only started reporting it when they bought the account , have i made the correct assumption on this?