Many thanks for your help...and for the very warm welcome... I am really confused about the reference no on this letter, because although the woman from LOWELL FINANCIAL was quite helpful she did insist that I used the new reference no of which I had no knowledge. Why should I use this new one when I had religiously been paying off the debt as agreed with NDR by S/O from my bank? I have read about Notice of Assignment on the forums but I have not received one? I will ask them to send me a copy of agreement letter and also will enclose template number 4 as suggested by sam 614 . As far as I can ascertain there are no excessive penalty charges 42man, but again I will reiterate this debt was being paid...and now LOWELL FINANCIAL come into the frame By the way I'd be grateful if anybody could tell me about NDR...pretty please;-)?

I've been reading posts about Lowell etc, but as I am a newbie, I'm completely at a loss still as to where to go from here. I have received a letter from Lowel Financial with a reference number that I did not recognise. This letter states and I quote I did phone them and they held information about me...home tel no, mobile no (which is no longer in use) and I was loathed to offer the lady who I spoke to any more information. When I said that I did not know of the Reference number she said that it was 'Littlewoods' - original creditor Shop Direct. I have been paying this debt off to NDR and had no contact from them to say that the debt was being passed on... I told the lady concerned that I would be in touch, but of course I am unsure as to what to do Any help would certainly be appreciated. S