I have just been contacted by Lowell portfolio about two accounts. The second one which relates to barclaycard is below.
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.
If i refuse to pay, can this be added to my credit report (despite the initial default - with the actual lender - being in 2009)
Any advice gratefully received.