Thanks for your reply PGH7447, but i'm still a little confused. do i ask O2 to send me a copy of the contract or ask Lowell/Red/Hamptons?

Thank you everyone for your response. I wasn't sure if i was going to get a reply. Anyway I managed to start a new thread, thanks to Kholo. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/145356-lowell-portfolio-1-ltd.html#post1530884 But in response to ODC, the letter says "Legal proceedings may now be issued and served upon you without notice through the county court which may then incur you with payment of the following costs: " and they basically go on to list a load of extra costs for solicitors and court fees. so does this mean it is a CCJ or default? thanks again for your help.

Hello, I'm having such a problem with Lowell Portfolio 1 Ltd. They say i owe £156.13 and are acting on behalf of O2. Though I haven't been with O2 since 2004 and this "debt" may have been from before that. They sent me numerous letters from Red debt collection services and Hamptons Legal. In response I sent them the recommended letter where you send £1 and ask for a copy of the credit agreement according to the Consumer Credit Act (CCA) 1974. However they replied saying that the account agreement I ask for is not regulated under the CCA 1974 and that they are under no obligation to do so. So now I dont know what to do as they have threatened me with county court proceedings and additional fees for legal proceedings. If anyone can help, I'd really appreciate it!

Hello, I'm new too and not found out how to make a new thread. but i'm also having a problem with Lowell Portfolio 1 Ltd. They say i owe £156.13 and are acting on behalf of O2. I haven't been with O2 since 2004. They sent me numerous letters from Red debt collection services and Hamptons Legal. In response I sent them the recommended letter where you ask for a copy of the credit agreement according to the Consumer Credit Act (CCA) 1974. However they replied saying that the account agreement I ask for is not regulated under the CCA 1974 and that they are under no obligation to do so. So now I dont know what to do as they have threatened me with county court proceedings and additional fees for legal proceedings. If anyone can help, I'd really appreciate it!