Is Nigel Beaver a REAL person....? ..or just a generic contact name, used to shield the staff from personal abuse? (which they clearly deserve, and WOULD receive..!)

Hi All...! I've stumbled upon this excellent Forum, whilst in dispute with Lowells over.....guess what..? An ANCIENT Barclaycard debt..!!! I am at the "pass your account over to our Legal Department"-stage....... I, too, feel it would be for the best if they DID take me to court...! I've written several letters (all sent "signed-for"), which they appear to have totally disregarded...! I, too, will be going the Trading Standards / FOS route with these clowns... I've just sent the initial complaint letter to Lowells: awaiting the reply. I also received, on CCA request, a VERY poor copied application form...... It seems Lowells took this over in Nov 2006: that's when the letters started, and seems the same with lots of people..? Bet it was Nigel Beaven sent the letters.....!