Hi,

First of all, I apologise if this was posted in the wrong place.

I have just been contacted by Lowell Portfolio about two accounts:

1. An outstanding balance with o2 for £500 odd. I have no recollection of this account. I had an account with T-mobile (now EE) which I defaulted on and have no paid up.

This account was taken out in 2010 and defaulted in 2011.

Therefore, if i did have an account with O2 it would have been prior to this and would therefore be statute barred?

The person that I spoke to could not confirm the date of the default and have gone back to O2 to request more information

- however, they have confirmed that I have never made any payments to Lowell on this account

2. 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.

Thanks in advance for all responses.

please make a new thread in the Barclaycard forum off the main forum tab top left for that one

lets deal with the t mobile account here

1st STOP RINGING THE FLEECERS

they are NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

are you saying you have now paid up to them or not paid up

I really hope you are not blindly paying DCA's without paperwork scanned up here first

dx

The T-mobile (now EE) was paid already.

They took out a CCJ and I had the CCJ set aside and paid the balance.

This one they're chasing me for now is an o2 account.

I have no recollection of this at all.

scan up the letter please

And stay off that phone!!

I have not received a letter. however, if I do receive one, i will scan it and upload immediately. if not, i will ignore them.