Hello everyone it’s my first post. Have received Lowell Pre-Legal letter as title shows. It relates to 3 separate debts... 1. Capital 1 credit card £331.73. Last payment on the account was May 2013. 2. Vanquish credit card £725.86. Last payment on the account was September 2013. 3. Vodafone £1479.88. This one is NOT on my credit report. As yet I’ve had no communication with Lowell and really would appreciate advice on my next move. Thank you in advance!!

Hi, I've been looking through my credit report and have realised I have 2 'settled' accounts, both with defaults registered. One is with o2 and another is Lowell (an o2 account!) - I've emailed both companies to try and see if it's the same debt or not! I don't ever remember having 2 phone contracts out at the same time... Am I correct in saying only 1 of them can register a default if they are the same debt? The o2 default was registered September 2014 & the Lowell default was September 2013 - both completely different amounts. My question is - if those 2 defaults do happen to be unrelated, they will drop off my credit file after 6 years. Does the whole account drop off my credit file too, or just the default? I'm confused because although the date of default is there, my payment history still shows the default until the account was partially settled. Lowell account end date is registered as 11/02/15 Does this mean there will still be evidence of the default and 'satisfied' until 6 years after that date, or will it disappear after 6 years of initial default? ] Defaults.pdf

Hi, I am looking for some advice regarding a debt account from lowell which they have just closed (due to my health taking a turn for the worse) they obtained a CCJ against me on this account about a year ago. i am paying this off at £1 per month, the CCJ has been active since jan 2017. They have only just closed the account down due to me submitting doctors letters etc to backup my health issues. do i contact Lowell? i am a bit reluctant to after what i have heard about them. do i stop paying it? do i need to wait a bit longer for account to get processed? can i apply for the CCJ to be removed or at least have its status changed. i just feel if i do nothing then nothing will happen. Thanks for any help i receive.

Claimant -Lowells Date of Claim...02 Oct 2017 What is the claim for – 1 the defendant opend a jd Williams reg consumer credit acc under refxxx on 18/03/2008 (the agreement) 2 in breach of agreement the defendant faled to maintain the required payments and the agreement was terminated. 3 the agreement was later assigned to the claimant on 20/12/2012 and written notice given to the defendant. 4 despite repeated requests for payment the sum of £1530.00 remains due and outstanding, and the claimant claimes a.the said sum of £1530.00 b. interest pursuant to s69 count courts cost 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 £0.335 but limited to one year, being £122.40 c costs What is the value of the claim? £1837.40 Is the claim for - a Bank Account (Overdraft) or credit card or loan or a ctalogue or mobile phone account? catalogue 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. 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? no but not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments?was made redundant What was the date of your last payment?4 or 5 years ago 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? yes What you need to do now. we dont have any paper work for this and not sure were to start,i will be responding to claim and sending the sar ect out

Hi, I received a court claim dated 3rd May - Lowell Solicitors/Lowell Financial/Lowell Portfolio Ltd as Claimant for an old debt from 2010/2011 from a Vanquis card that defaulted due to my redundancy/unemployment. I filed a defence on MCOnline on 12th saying the debt was Statute Barred and they could not claim via the courts. I have had various other attempts to claims debts from this period as they are all now statute barred. I have successfully repealed so far. Lowell have however responded (letter dated 24th May) saying that the default notice was served in August 2011 and taken effect 14 days later so that is when the 6 year period started. They admit that the last payment to the account was on 11th April 2011. They say that rules in Chapter 7 of FCA Consumer Credit Source Book do not apply and there is no contravention. I need some advice on how legitimate their claims are and what I should do next. I do not have any copies of original paperwork and Lowell have not provided any evidence thus far. They have also issued (on 21 May) a Directions Questionnaire which they say they have lodged with the court saying they wish for the matter to now be lodged with the small claims mediation service. I have not responded to this or their letter of 24th. Any guidance greatly appreciated. I'm relatively savvy in these matters but this is a new one for me! Thanks

Hello I'm very new to this. I've received a county court summons with regard to a debt I owe to Capital One credit card for £8500 from Lowell Solicitors. The issue date is 22/7/2016. so the service date is 5 days after that. I went through some financial issues years ago and although I scrape by dog walking (earn aprox £7000 per annum incl working tax credit) (I have MS and am on anti depressants so try to do a job that will keep me healthy but will be flexible enough to take into account my fatigue) nowadays I still have some old debts that i don't have the resources to pay. this is the biggest one. I did write to them in 2014 (the debt was owned then by Cougar Finance) telling them my financial circumstances and offering to pay a monthly amount which they refused. Since then Ive stuck my head in the sand and hoped they'd go away. Now its come to a head. I own my house, got rid of my car years ago as I couldn't afford it. . Im terrified I'm going to loose my house. I have not used a credit card in years I wish I hadn't been so stupid in 2013. I have some PPI going back to the 1990s on different loans and credit cards thankfully all paid up, that I hope I can claim back which i could also use some advice on. I have kept every bank statement, credit card invoice and financial paperwork. I'm a bit of a hoarder. Please advise what I can do. Thanking you in advance

Hello again, I have just received two letters out of the blue from Lowell informing me that two debts from BT Mobile which had been sold to them, both dates of the sale being 22/02/2018 and the letters dated 13th March. I am worried regarding a paragraph of both letters which states 'We are aware that this account forms part of your insolvency(?). This letter is not a request for payment. Please pass this letter and attached Notice to your Insolvency Practioner/Official Receiver. Lowell Financial will also contact your Insolvency Practioner/Official Receiver to inform them of the changes(?) If your circumstances have changed, and you are no longer insolvent, please call us on 0333 556 5990 to discuss payment of this account'. Now I have never been made insolvent or bankrupt and I have checked Experian,Equifax and Call Credit and also the Insolvency Service register and there is zero information about me supposedly being bankrupt or insolvent according to Lowells. Is this a tactic by Lowells to scare me and to get me to call them?, which is the best course of action I can take regarding the letters I have received from them?. Many Thanks

Long story short, lowell took me to court for an alledge debt of around £800 I sent the usual forms asking for proof of ownership of debt, statements of account, notice of transfer etc After a month or so they sent back a few screen shots and handful of documents, none of which showed the correct amount being claimed. The statement summary actually showed the amount owing as about £90 I challenged this by filling out an N244 form and asking for a strike out hearing since they had not provided the necessary documentation and asked for it to be dealt with without a hearing. The court set a date without consulting me, it was a date that i was out of the country 1000 miles away. I contacted the court to tell them I couldnt attend as I was away and wanted a new date for the hearing. The court clerks told me to send an email stating why I couldnt attend and a new date would be set. I sent over the email and I then left the country as planned. While I was away I had limited access to my emails, I did receive one that said I must send proof that I am away or the hearing would go ahead in my absence. Since I had no IT equipment with me or anywhere to find any and extremely limited internet access I was unable to do this. On my return I have found out that I now have a CCJ and the £800 debt is now £1000 1st question is, this was supposed to be a strike out hearing, not the full hearing to decide the case 2nd The claimant failed to prove ownership of the debt or the amount claimed, why did they win this case 3rd why was I told everything would be ok by the court if i emailed before leaving the county and then stab me in the back afterwards? I do not acknowledge this debt and the claimant still hasnt proven the amount owed so why has this happened? would like to appeal but dont know how to go about this

Ok first of hi to CAG again,been looking and passing site on to theres with problems for advice,anyway new problem ,well advice really..... Back in 2012 had a argos card, everything fine until one month forgot to make a payment, hounded by relentless calls but continued paying until noticed that the £12 charged levied for the miss payment [which i do not dispute my fault] a new one was being added for the next 2 months, along with 4 calls a day, i called them told them to stop the calls as was still paying above the min amount, to be told until i made a dual payment then they could continue to charge, when next bill arrived i refused to pay, 5 yrs later being sent to every DCA even Lowell Portfolio, Lowell Solicitors now decided Court action, amazing during those yrs ask to be taken to Court Numerous times to settle this. last yr out of the blue letter from Argos saying £36 put on account was wrong and debt re adjusted, just before Christmas suprise ? Lowell take Court action filled all the forms sent to the Court explaining etc etc, in end opted for mediation, i owed originally £168, in hindsight should have just paid that and told em to run for the charges, when they finally passed the debt it stood at £232, now stands at £475! which i dispute. and will happily pay the £168 i owed Argos fault not mine. thats the story now while i await the Mediation date Lowells keep calling, A should i speak to them or should be or B no till mediation date, Lowell already been warned and got 7 day extension by Judge for not filling and sending forms in with threat of defualting judgement against them

Hi - I know this has been advised on loads of times, so i'll keep this brief as possible. I have read and read the threads and have formulated my defence, I just wondered if someone would cast their eye over it and make sure it reads okay. Background: Name of the Claimant - Lowell Portfolio Date of issue – 7 February 2018 AOS on MCOL entered on 7 February 2018 What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. Full POC 1.The Defendent entered into an agreement with BT Plc under account reference..... 2.The Defendant failed to maintain the required payments and the services were terminated. 3.The agreement was later assigned to the Claimant on 27.3.2017 and notice was given to the Defendant. Despite repeated requests for payment the sum of £349.54 remains due and outstanding. Claimant Claims: The said sum of 349.54 Interest pursuant to S69 County Court Act 1984 at the rate of 8% per annum from the date of assignment etc etc Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Not sure What is the value of the claim? Total £458.75 Inc fees and costs (373.75 claimed) Is the claim for - BT Broadband 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. Assigned to Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? 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? January 2014 account was closed (or I thought it was) What was the date of your last payment? 18 January 2014 for £301.88 which I thought settled the account. 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 planicon? No I requested details the day I received the claim form from Lowell under (mistakingly the CPR rules for Credit Agreements, I got back an email stating that they were not required to retain and provide me with a copy of the agreement, also default notices does not apply and are therefore not issued etc. I honestly cannot remember what happened with this account. I left my home with my children as my husband was in a black hole of addiction at the time, and I left without most of the paperwork. He has subsequently passed away so I can't ask him either. So this is my proposed defence The Defendant contends that the particulars of claim are vague and generic in nature. Paragraph 1 is accepted. I have, in the past, entered into a contract with BT PLC, which was in dispute and never resolved to my satisfaction. I do not recall the exact details, nor do I recall any outstanding balance. I have requested the claimant verify the exact details of this claim in my letter to them of 7 February. The claimant responded on the 13 February, but refused to provide me with a copy of the agreement, stating he is not obligated to do so by virtue of the consumer credit Act 1974. To date, no statement of the alleged account has been received. Paragraph 2 is noted, again I do not recall any breach and I have never received the stated Default Notice. The Claimant has stated, by letter, that he is not obligated to provide a copy of the Default Notice, again by virtue of the Consumer Credit Act 1974. The account was in dispute and never resolved by BT. Paragraph 3 is denied. The claimant never served a Notice of Assignment pursuant to the LoP Act 1925. However they did subsequently send me a copy on the 13 February 2018. Therefore the Claimant is to provide strict proof to: (a) show how the Defendant has entered into a Agreement/ Contract; and (b) show and evidence the nature of breach and termination. (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim; The Claimant has stated that he has made several requests for repayment, yet I do not acknowledge any debt to the Claimant. As per Civil Procedure Rule 16.5(4), it is required that the Claimant prove the allegation that the money is owed. As 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. Subject to the above, should the alleged amount claimed include an early termination charge(s) amounting to the total balance of the remaining contract, OFCOM guidance clearly states that any Early Termination Charge, that is made up of the entire balance of the remaining contract, is unlikely to be fair, as it fails to take into account the fact that the provider no longer has to provide and pay for their service. 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. Any comments or help greatly received

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 Guys, Very new to this, so any help is very much appreciated. I have received a Claim Form for Lowell Portfolio 1 LTD from Northampton county court business centre, for an alleged outstanding BT broadband debt of £290.00 from 5 years ago. There was a a dispute with BT regarding broadband, not providing the service and speeds offered, but their charges continued unnoticed. I am not sure the best way to respond to this. I have further information, but not sure what is relevant/needed. Thank you in advance for any help!!

Hi Can someone advise, I owe money for an old credit card (aqua- new day form 2013 ), they're saying amount owed is 4427 now on the Lowell letters, but the limit was only 3500 so must be a lot of charges added, I have had a few letters that I've filed, but now I've got a letter of claim from these guys dates 29/01 saying This letter is being sent to you in accordance with the practice direction on pre-action conduct and protocols, giving me 30 days to pay before they may commence proceedings. I guess it's not good to ignore this one? Do I send them A CAA request ?, and ask how they reached that figure, id ideally like this to go away or get a vastly reduced settlement that I can afford, I don't want to fill in there income and expenses form...am I required.? I've been reading through the forum trying to figure out how to approach this but I am a little confused. Thanks in advance.

I'm doing this on behalf of my other half (she's not on here) and if you have to move feel free Now I don't know the exact history of the account but her brother had a credit card (at least I think it was) Lowell have constantly been on the phone to them telephone harrassment bla bla the usual drill their solicitors (the so called solicitors) sent a letter apparently saying they we're going to go for a CCJ (but not sure if that's just a theratogram) the few other problems the person getting harrassed by them does have special needs (which won't be curable obviously) my other half went to the bank today and did find out that the account was closed on lloyd's end May 2012 so the last payment was god knows when also she said (I not sure) she said she signed a waiver last week apparently adknowledging the debt (which at the moment stands at 2376.32) The family don't have a lot of money so they would not be able to offer lowell a great deal per month (the account was sold on to them and lloyd's not taking anything to do with it)

Hi i have a debt with lowell, a couple of months ago i asked regarding a full and final payment ,i had a response and was a massively reduced portion of the date, then my marriage broke down, needless to say its been a difficult time. I have moved house etc,but regardless a letter arrived at my old house from Bryan Carter solicitors and a letter from the northampton court house. The debt totals near on 900, 830 and their fees..when last year lowell reduced the debt to 450 at request and offered 250 on full and final payment. Is it just me or is this tactic a bit underhanded. .even from lowells agreed 450 that is a steep increase, just curious as how to proceed, obviously id rather not a ccj!

Howdy! Entering a Token Payment Plan with StepChange as been avoiding creditors for long years now. Could someone tell me how to find old bank account numbers, old ref numbers to finish off my paperwork for TPP? I haven't kept any old letters etc, and I'd like to avoid ringing creditors at all costs. My credit report doesn't exactly show ref numbers. Is it actually crucial to find them anyway? StepChange said it would greatly help.

hi all im new to all of this I have recieved a letter of judgement for claimant before this i recieved a letter that supposedly acknowledges a debt with studio but it doesnt have my signature on it and in less than a week i have had a judgement for claimant letter and i dont know what to do.

Sorry if this is in the wrong place, from the options it seemed the most likely but if its not meant to be here can someone move it please? Lowell have been chasing me for some debt for quite a while. 4 times I have requested proof that I actually owe the debt. All I have ever had back is that the original creditor was 'shop direct' which is apparently littlewoods. I have never had a catalogue account ever, as such I have been ignoring the letters they sent after it became clear they were not going to supply me with any proof I owed it (as it cannot exist) I wrote it off as them just trying to get random money off me. Only catalogue type product I have ever had is a sofa from brighthouse, which is now settled. last week I get a letter through from 'county court business centre'. judgement for claimant (in default). They have ordered me to pay 514 quid in one go, or 50 pounds a month til its gone. I am not currently working due to health issues and I cannot pay this amount. I do not think I should even have to pay it as I do not agree I even owe the debt and lowell have never despite being asked, provided me with ANYTHING that says I do actually owe anything. I did not receive any claim form through the post about this..courtcase (?) or I would have defended myself. I today called the court but I can only speak to a machine which tells me I can have the judgement set aside if I pay 275 pound, or I can negotiate lower monthly payments if I make a payment of 50 pounds to the court. Are these my only options?! I find it massively unfair that they have taken me to court over a debt they know fine well is in dispute. As I understand it the court decided in favour of the company if I dont answer the claim form, but I didn't even receive one...ugh. Please tell me I have more options than paying up and shutting up? I have recently finished a payment plan that sorts out ALL previous debts I had and now I have this to deal with about a debt I don't even owe

Good Evening All, I have been reading through these forums for a while and decided to make an account after seeing how helpful everyone is in the hopes of extracting some valuable information from yourselves. I'm 27 and got myself into some trouble when I was around 18/19, borrowed too much money until I couldn't afford to keep up repayments and then buried my head in the sand ignored everything for a year or so and then decided I'd sort it out. Lowell had purchased my debts from numerous different companies and I had around 7 different defaulted accounts with them. I now have two left having paid off five of the others, I have paid them all in full and they now show as a Closed Account "Satisfied" on my credit file. The two remaining accounts are now at the following amounts (approx.) - £2700 (Default Opened: 13th March 2010) - £1500 (Default Opened: 2nd July 2010) Every single month the account is marked as "Default" on my file and is in the "Closed" section of Clearscore on the Accounts section. I have just been reading up on settlements with Lowell (just Googled it this evening) and came across a term "statute barred" and am wondering if anyone could give me any advice on whether this would effect my situation or not? Or if anything else does? I'm truly clueless ! I am now in the position where I can probably pull together a settlement figure but again I have absolutely no clue on where to start with this, is there a procedure to follow or do I just ask them what they'd accept? Is it that simple? I'm frightened of being ripped off by them after reading up on them, can I just ring and pay? Should I have email communication of everything first? If someone could point me in the right direction or give any advice I'd be really grateful. Also, do defaults dating back to 2010 as mine do(as closed accounts) hold much weight on my credit file? I have read so many different answers in the past! I'm going to save for a house after this debt is cleared and if anyone has any advice regarding that then that'd be great! Kind Regards Pat

Hi I received a letter in March 17 from Lowell chasing a Shop Direct debt for £179.73. I wrote back to them that I did not acknowledge this debt and requested a copy of the CCA so that I could see what this was for. Letter sent May 2017. I never heard back I chased in June 2017 saying they had exceeded the statutory time etc and to remove any detrimental evidence on my credit reports. I received a letter from them shortly after to say that they have been unable to obtain a copy of the CCA and put the balance at zero on the letter. "as we have been unable to provide the requested documents we have decided to not pursue the outstanding money at this time. We are required to record true and accurate information and the Default registered will stay on your account for a period of 6 years". I have no idea what this Default is for, and Lowells have now closed the account and are no longer chasing. The Default will not drop off my credit file January 2020 which I do not really want to wait another 2 years. I wrote back to them and again their letter showed a zero balance owing, BUT they state in their letter that there is sufficient evidence to prove that I owe this debt and they will not be removing the default? Please can someone give me some advice or point me in the right direction of my next course of action, I have no idea what this debt is for and feel that I have a chance here to possibly get this Default removed and want to do what I can to at least try. Thanks

Hey, Got a bit of a strange one here - I have today received a green letter from Lowell Solicitors saying that I have not paid the £50 instalment on a CCJ they have obtained on a VERY old Orange mobile phone account. This is the first letter I have ever received about this naturally, it made me check my credit file where low and behold - a CCJ has been placed under my old address (not lived there in almost 7 years). This letter says that I have got until the 11th December to make the £50 payment or they will recommend enforcement action. My issues are as follows. 1) This is the first thing that I have heard about this (genuinely) and did have an old Orange account at my old address back in 2008 after falling on hard times. No payments have been made on that account since we moved in Feb 2011 and I have not knowledged anything. 2) The CCJ which was obtained in Oct 2017 is under my old address so does that mean that any papers I would have needed to see for challenging etc have gone to that address? 3) Can a CCJ be obtained and enforced on a statute barred debt? Hopefully, someone can help me out here and give me some advice. Cheers Scott

I received a County Court Claim form for the above alleged Shop Direct debt in March and put in my defence in April. I have sent the CCA and CPR 31.44 requests but received nothing back. Now I have received a N149A Notice of Proposed Allocation to the Small Claims Track from the court and then a letter from BW Legal telling me my County Court Judgement is in arrears!! Surely if I put in my defence and the debt has not been proven then I shouldn't have a CCJ? Confused! Please help!

HI My partner has just received a county court claim form in respect of an old Talk Talk account. He terminated his agreement with Talk Talk as he was moving home and no longer required the service. Talk Talk then advised he would be charged for the remainder of his contract. My partner disputed this and has not paid. The initial required payment was around £150 and this has now escalated to £242.70 since Lowell took over in January 2017. The claim form states that *the defendant failed to maintain required payments and the service was terminated* This is incorrect as he contacted Talk Talk to advise he was no longer living at the property and no longer required a service, meaning he terminated the service. The total on the claim form is now £336.05. The last letter he received prior to this was on August 11th 2017 offering a reduced payment by 40%. I would just like some advice about this. Does he need to accept the claim and pay the full amount or is he able to dispute the hefty amount?

Hello, I’m looking for some advice with regards to some dodgy looking letters Ive received from Lowell. They have sent two letters to my parents house (long story but using this as a c/o address until I find myself a new home). They sent two separate letters, one with their standard give us your money with a letter of assignment purportedly from Vodafone in one envelope then another separate give us your money with a letter of assignment from everyday loans. It’s not so much that I’ve never had a Vodafone account and the amount being claimed by everyday is nowhere near what I did owe some years ago, it’s the very dodgy looking letters supposedly from Vodafone and everyday assigning the debt to Lowell. Both are on the same paper, with the same font, with the same data matrix codes as the Lowell letters, both with the same numbering on the edges of the letters, both with badly scanned images of the company logos. I’m going to send them a prove it letter, pointing out the highly suspicious nature of their letters of assignment. Aside from this any suggestions on what to do with these dodgy looking letters of assignment? (I would upload but not sure how to on here?) Thanks

Hello, I am having some issues with Lowell about a JD account. They have been hassling me for a debt, but the figure is much higher than it should be. I wrote to them and said that the figure is wrong and that I am waiting for JD to reply to me, Lowell said this to me: I appreciate that you are awaiting a response from JD Williams, however as previously advised, they are under no obligation to respond or to provide a figured owed. This is because Lowell are the legal owners of this account. If you wish to dispute the balance of this account it would need to be done directly through Lowell, which is something I would be happy to do for you. I thought that JD DID have to answer me about the balance? I feel a bit bullied at the moment as silly as that sounds, as they send so many letters, but I don't and can't pay the larger amount they are requesting. Also, I know that JD added a lot of £12 fines for late payments and admin charges etc, can I legally ask them to remove those? I am not sure what I should do.. Any help would be greatly appreciated..