Hi Guys Further to the Lowell post...We finally recieved a letter just after xmas saying as a result of not being able to gather statements from HSBC showing the alledged attempted payment (YES THEY USED THAT ONE ON US!!) the debt would be written off as a goodwill gesture!! Thanks to all who helped me...I would have just paid it if I hadn't seen this site!! However, I was hoping someone may have heard of a company called 'Help Your Claim Limited'...My partner recieved a call from them last week and they say they help claim back money where credit agreements didn't contain the correct criteria...They quoted his capital one debt to him which he paid off about 3 years ago and said they can claim the money back and the only catch is they keep 25%. He recieved a letter today from them and it quotes Lloyds TSB, but he has never had an account with them...That he can remember!! It asks for the account number etc which obvs he doesn't have!! I have tried checking them out but can't find a website for them and was just wondering if anyone had had any dealings with them or know anything about them? Thanks for your help!!! Newbie09

This is so true...I never looked at it like that...If he 'attempted' a payment then no payment was actually made in which case the section of the limitation act they are referring to does not apply in our case? Any ideas on the sort of thing i should write back to them? Any templates i can use? Thank you so much for your help!!

Hi Further to the above we have since received another letter - main paragraph below... We would advise you that the limitation act 1980 section 5 is not applicable in your case and would refer you to section 29 (7) of the limitation act 1980 which states "A current period of limitation may not be repeatedly extended under this section by further acknowledgement or payment." Your last attempted payment date on this account was dated 30th November 2004 for a payment of £30.00. A copy of the agreement and statements has been requested from HSBC Bank Plc and these will be sent to you upon receipt. We trust this clarifies the situation and look forward to receiving your payment proposals. What exactly do they mean by an attempted payment? Surely there either was or wasn't a payment made? Can anyone advise what we should do now? Do we just wait for them to provide these alledged statements or should I reply to them saying we look forward to receiving them...? My partner is sure he never made a payment... Thanks guys Newbie09

Thanks for the advice...I shall just wait to see what they come up with...Do you know if there is a certain time period in which they should contact us again? I can't believe some of the stuff I have read on here about Lowell!! I'm just so thankful i looked on here before getting my partner to phone and make payment arrangements!

Hi guys, really looking for some advice!! My partner recieved a letter from Lowell stating that they are giving him the chance to 'bid back his account' which was with HSBC for x amount, the letter said if we can't bid and pay a lump sum then we can pay £40 a month. Anyway he knows he got in a little trouble with HSBC about 9 years ago and was adament that he has heard nothing about this debt in the last 6 years...We have just moved into a new address so i'm wondering if thats how they have found him? Anyway, i replyed to them with letter template M i think it was stating that the debt is statue barred etc. We have today received another letter saying they are in receipt of correspondence and will be in touch where approriate as soon as possible and in the mean time the account has been put on hold and we will not hear from their collections team. The letter ends telling us there is no need to write to them again nor have a representative do so for us. Has anyone been in a similar situation with some advice for me? We've just had a baby so not paying for something we don't have to would be ideal right now!!! Please help!!