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My wife was handed an SD for me from Lowell's yesterday by a process server who than asked my age and what I looked like. Assume they needed to swear an oath they have served it personally. It's for an old debt (probably less than 6 years but only just) from Capital One for £1600. The odd thing is I started paying Capital One about 18 months ago - weekly on the internet. I carried on about 6 weeks got a letter saying I hadn't been paying etc - so I stopped. After much delay Lowell's eventually agreed I had been paying and I said I would restart - BUT they refused to accept payments via the internet and would ONLY accept direct debit or continuous debit card authority. Having read a lot about Lowells I really didn't want to give them the details - beside - I only paid them when I knew I had the money. My bank would have charged me £35 in penalty charges if there wasn't the £20 in the account. So where do I go from here ? I am sending out a standard CCA request to Lowells which they should reply to within 14 days. I am expecting them to write to me again - so should I deny receipt of the DC as it wasn't correctly served ? If so - will they petition ?
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