I received a Letter of Claim from Lowells today and now my heart is racing and a sense of panic is setting in.   Particulars of debt:   On 22/6/2009 you entered into an agreement for Lloyds account.   You failed to make payment in accordance with the terms of the agreement and it was later terminated and subsequently assigned to our client by Lloyds Bank PLC on the 24/11/2015.   Notice of the assignment has been previously been given to you and you may request a copy of the ag