Well sent off a letter saying they failed to send me an agreement in the 12days required, and have Not acknowledged the debt followed by letter n (kindly provided by yourselves). I recieved my reply on 25.2.08 saying they are currently looking into my enquiry and will respond a.s.a.p. Unfortunatley they are unable to give me an exact date as to when this will be as their enquires can take time. What they can guarantee is that my enquiry is being dealt with and I have no need to write again. (And thier not asking me to pay anything this time.) Have they given up and realised im not going to be pushed around by a bunch of bullies trying to make a quick buck, lets hope so.:grin:

Hi everyone, Well after requesting a copy of my agreement on 24.01.08 i recieved a letter on 14.02.08 from Lowell saying they are yet to be furnished with my agreement and as soon as they are they will post a copy to me and then they will require the payment in full,in the meantime i still have the chance to pay 433.60 as full and final settlement even though they said in the letter before i had to pay that amount by 9.02.08 I have drafted a letter saying they are out of time they only had 12 working days to provide and agreement and i have been in touch with B,card and spoke to a Mr Brian Atkinson about retrieving a contract or paperword showing any payments and they could not provide anything they could only tell me it was from 1995 ,and the address which they asked me to confirm in the first letter i didnt move in until 1996, anyway i have also said i do not acknowledge this debt and given them the statute barred letter too. So i guess its sit back and wait again.

Thanks for the info brassed off i wasnt sure if weekends were counted as working days or not . I guess i just sit back and wait. The debt is from 1995 ,so if they continue to harass me should i send letter N as well? Sorry for hijacking:)

Hi , You guys really helped me out (on 16th Jan)by suggesting i send a cca letter N to lowells which i did on 23 January, I recieved a letter from them on 7th February saying thier client B,card has requested my agreement be retrieved from achive,and goes on to say once YOURagreement has been retrieved YOUwill have to repay the outstanding in full.They then go on to offer me a reduced payment (originol 1083.63) of 433.60 providing i pay by today(9th) which i wont. I would like to know , as i read somewhere that the 12 days they are given to produce an agreement is 12 working days+ 2 days for postage, i just need to know exactly when thier time is up.Is it the 8th or 12th February? PS dont do computers very well ,hope this gets where its supposed .too!

Thanks everyone you lifted a great weight off my shoulders , why are these companies allowed to do this , my 68 year old mum got caught out like this a couple of years ago, shes still paying!! Thankyou soooo much. XX

OK thanks , ive just looked up statue barred and think i understand it , the debts definatly too old anyway;)

Hi im new but found you simply by searching lowells , im so glad im not the only one. On the 9th Jan i recieved a letter from Lowells Portfolio I asking me to confirm i used to live at an address they had , I did this and to my horror find out i apparently owe money on a B,card. I asked her to give me some dates of this so called account she couldnt so i asked her to send me agreements and/or statements she said she couldnt but would try and get in touch with me in a week. I got my 2nd letter today saying i owe 1083.00 with a ref no. , so i rang up and asked about the dates and agreement etc; I was told they didnt have any infomation and neither would barclays when i said i would ring them,I was then asked to pay the full amount there and then , I said I couldnt , could I pay 500.00 then or could i borrow it from someone.He said it was up to me to prove i didnt owe this money the young man was very forceful , after a while he wore me down and i offered to pay 10.00 over the phone and after giving him my first 4 digits of my debit card I stopped and told him this was wrong and I was going to seek legal advise and check they were a proper company first ,im seeing a solicitor tomorrow.I then rang barcalys in the hope of getting some answers , I did, apparently its and old debt from 1995!! , but i dont remember having a b,card back then , but they dont even have any paperwork. Im really good at paying my bills off and im not convinced i would have let this go.Any advise im so worried and angry its taken this long 13yrs to be precise.