Account closed - advice needed

[greenfield]

Hi,

A few years ago I had a student account with the Co-op. I walked away from an unauthorised overdraft (yes, stupid I know). They've now caught up with me through a debt collection agency called Lowell financial.

I'd love to be able to reclaim the charges against me, as this would take a large chunk of the debt that I'd be able to pay them. However, the account was closed (by them) and I don't have any old statements. I don't even have the details of the account (number and sort code).

What's the best way to proceed??? Any advice much appreciated (I'll be forever in you debt haha)

Thank you!

[TETSUO]

can yo not ask the 'collecting' agency what account/sort code they are refering to? Or, have you tried to contact the bank directly?

I excpect you have thoght of thisd already, but it's all I can think of.

[poppynurse]

How long ago did you walk away from the debt?

[greenfield]

About 3-4 years ago, but they only sold it to Lowell financial last year.

[DorsetStrider]

I'm 99% sure I'm correct when I say that you need to contect the bank and ask for all your records.

Unless I'm mistaken under the data protection act THEY must retain your details for a minimum of 6 years. They must also supply these to you on demand with a maximum fee of no more than £10.

At least that's my understanding of the Data Protection Act.

[saxon]

Hello, to find out my details I telephoned the Recoveries Department on 0161 8294376.

I spoke to a David Jones, he was very helpful and found my details.

Hope this helps.