@CitizenB , I can't find any of Lowells previous correspondence as they did they switching trick (Lowell, Red etc.). @ims21, thank you. I will only use this thread from now on.

After the receipt of a Statutory Demand from a DCA, I now intend to send them enough money to bring the already acknowledged debt to below the £750 limit for bankruptcy proceeding. 1. How should I send the money? Personal Cheque? 2.Who should I make the cheque payable to? The DCA or the representative named in section B of the SD to whom "any communication regarding this demand may be addressed" ? I want to maintain an element of surprise and be able to show that I made the offer of payment in case they decide to file prematurely. Any pitfalls I should try to avoid in my strategy to avoid a Bankruptcy petition being filed? I don't have much time left now although I have sent them a letter offering to compound for the debt. They have tried to phone me but I have decided to take the advice offered here and keep it all on paper. Thank you.

Thanks for your advice. Does anybody think that not complying with a CCA request alone would be deemed good enough reason for the SD to be set aside?

@rebel11, I'm not sure about penalty charges, certainly nothing significant if at all. No, I did not take out any PPI/insurance. Thanks.

Thanks for the replies @ citzenb; I can't really remember exactly what I received from Lowell, certainly a lot of letters regarding a couple of 'Lowell Accounts' to which I never responded by phone or letter. The credit card contract was entered into in 2006

I've recently been served a SD by Lowell. The amount claimed is about £1800 which is made up by a Credit Card Debt of £1500 and a smaller debt of £300. Neither debt is statute barred and the SD appears to correctly worded and legitimate and I do have assets. The amount owed on the credit card debt has not been bumped up with interest or other charges. If I was to make them an offer how should I go about it? Should I just send them a copy of the "Full and Final Settlement" letter 'J' ? I'm under pressure financially so what % of the total demand do you think they would be likely to accept as Full and Final? Are there any potential pitfalls in the negotiating procedure that I should be careful to avoid? Thank you.

Thanks for the reply 42man. If the dates on the SD are correct then the credit card debt is not statute barred. I have not made any payments or acknowledged the debt since late 2006. I have read some of the other threads but many of the posters seem to have an obvious defence (statute barred etc.). Do you think it's still worth trying to get it set aside just on the grounds that a petition for bankruptcy is an extreme measure for debt recovery?

I've just been served (By hand/through the door after a visit where they were told I was not in )with a Statutory Demand from Lowell for a total of approximately £1800 which is made up by an old credit card account (approx. £1500) and Building Society over draught (approx.£300). The Statutory Demand appears to have all the information on it that it should have according to information I have read here and be worded correctly. I was wondering should I attempt to have the SD set aside? Could I request it being set aside if I send CCA requests to Lowells and they do not provide the requested documents in time? Is this often deemed a good enough reason for the SD to be set aside? Any help would be most appreciated. Thank You.