Hello everyone, I am new to this forum and have been reading about many peoples experiences with Lowell Financial Ltd. I have similar problems to everyone else and would like some advice if anyone can help. Back in late 2000 i had a very messy divorce which left me in all kinds of debt. I couldn't afford to make mortgage repayments that resulted in me being repossesed and i fell into £10,000 arrears with the CSA which i am still paying back and i defaulted on a Capital one credit card (amongst other things). Due to my repossesion i have only been able to rent houses and have moved approx. 6-8 times in the last 6 years. In that time i have not heard anything from Capital One with reference to the debt (to be honest if i had i would probably have ignored it as i have been concentrating on paying CSA to avoid prison). The lenders from the repossesed property are asking me to pay back approx. £16,000 which they say they lost when house was auctioned. Just recently i settled into my current home and to my horror received a letter from Lowell saying that they had purchased the debt from Capital One and they wanted me to pay £840 to them to clear the debt. I must admit i have not replyed to them yet. Yesterday i received a letter from RED Debt Collection Services saying that they where acting on behalf of Capital One and unless i contact them and agree to repay the debt they will advise their clients to make a claim in the County Court which could ultimately result in a petition for my Bankruptcy. Interestingly at the bottom of the letter in very small writing is "Red Debt Collection Services is a trading style of Lowell Financial Ltd". What is my best course of action? Is the debt Statute Barred? Is there any way of finding out how much of the £840 debt is charges and interest? Am i best to try to reason with them and make an agreement to pay an amount which i can afford? Please any advice will be much appreciated. Sorry that thread is so long.