Thanks for all the advice, i will send them a letter and see what happens!

Thankyou very much, and by prove it letter, is that the one where i tell them they have to send me the origonal copies of the debt? Thanks

I havnt made any response to them and they dont have my phone number, i dont even know how they found me! they said in the last letter that they are going to get my credit file from experian to know how to deal with the situation-can they do that? also, the letters (i noticed they are all part of the same lowell group as it has the details in small print at the bottom-so how can they say 'our client'??? HAHA!!!) but some letters say lowell portfolio1 ltd and other say lowell financial......confused!! Thanks

Hi all, I have been receiving letters from lowell, red and hamptons for several months, which i have ignored, they say the debt is with barclays for £650(aprox) I have no idea what this is (I have a barclaycard debt of about £600 and im over my overdraft limit on my barclays acc by a few hundred £'s-can they chase me for overdraft monies etc?) I have had serious financial probs for a few years and burried my head in the sand an have not been able to pay-or should i say, i have not paid for nearly 3 years(which is wrong i know but depression does funny things to you) they are only just chasing me and i dont know what to do about it, im a single mum on income support living in my parents spare bedroom with my daughter!! any help would be appreciated

Hi sorry to jump into your thread but didnt no how to start my own. I have been receiving letters from lowell, red and hamptons for several months, which i have ignored, they say the debt is with barclays for £650(aprox) I have no idea what this is (I have a barclaycard debt of about £600 and im over my overdraft limit on my barclays acc by a few hundred £'s-can they chase me for overdraft monies etc?) I have had serious financial probs for a few years and burried my head in the sand an have not been able to pay-or should i say, i have not paid for nearly 3 years(which is wrong i know but depression does funny things to you) they are only just chasing me and i dont know what to do about it, im a single mum on income support living in my parents spare bedroom with my daughter!! any help would be appreciated

ok! thankyou odc for all your help and advice, and everyone else!!

Hi, thanks everyone for your help, i dont work, i had the luxury of having some savings to live off of after i split with my ex in feb this year but they are running low so need to start looking for a job asap as i wanna get my life sorted lol! the only worry i have is that if i open an account and get a job and get a flat they will then know where i live so will start harrassing me for money and thats what freaks me out! i took out the loan and the mastercard and the barclaycard in 2004.....i think, or around that sort of time if i declare myself bankrupt, what are the implications for my future? im doing a degree and want a well paid job/career in a few years but im worried about having a completely rubbish credit score!!!! thanks xx

Hello, i have debts of about £8,000(barclaycard/mastercard/barclayloan) i kept up with payments up until january last year(2007) when i left my job to look after my daughter full time, my (now ex) partner at the time agreed to help cover the monthly payments but didnt, which means i havnt paid my debts for nearly 2yrs(yikes!!) i checked my experian credit info and it says "lewell financial ltd" looked into my credit info in july of this year but the address they have for me is one i lived in last june, moved and im so scared about not paying my debts i am not really registered as living anywhere(currently staying with my parents on a temp basis till i get a flat for me and my daughter) i dont have a bank account in my name as i was overdrawn with my acc at barclays aswell so didnt bother using the card again as i no it would have been taken etc, so im worried that they are looking for me and im not sure what to do, i dont have any way of paying my debts!! i really wanna get my debt trouble sorted as its really stressing me out and i think about it all the time! i got in touch last august with one of those companys who sort out payment arrangments with creditors but after they got in touch with barclays to find out the balance on my acc i havnt heard anything else! can anybody point me in the right direction, i have been considering declarin bankrupcy in the hope it will get rid of the debt but as i live with my parents i dont want it being shown on their address!also i dont really wanna do it! can anyone help? thanks muchly