Well there was me thinking it had all gone a little quite and that after all the letters you guys had advised me to send them they (Lowell) had got the message and gone away.It had been three months and no more letters so I say to the Mrs there told you that had done the trick and guess what two days later on the door mat is a letter from buchananclark+wells which says that Lowell have instructed them to recover the debt. The letter says that their client would like an amicable settlement and they believe that there is no legitimate reason as to why the debt cant be paid and please find a copy of their account statement which is required by the consumer credit act 2006. I have looked on two credit reference agencies sites and can no longer find the debt on either of them also my wife thinks that this is at least six years old now. Once again thanks again for any advice. J

By sending this she wont be admitting to the debt will she?

Update letter from Hamptons today "We refer to our previous correspondence and note that you have failed to make a realistic arrangement to settle the out standing amount to our client lowell portfolio. We may now issue and serve legal proceedings against you without further notice through the county courts which if successful could mean that you will incur the following costs in addition to your debt £80 court fees solicitors cost £70 and interest of £290 I have still not sent a CCA request as I am unsure how to do this. Are they likely to go to court? Thanks in advance for any help on this matter

And still the letters keep coming we are now getting them from Hamptons again Lowell sent a few and they have now moved on to "their" legal team. The latest letter states that because you have failed to enter an repayment arrangement we are now going to request a copy of your credit file from Experian which will help us to decide what action to take. They then go on to say about if your a home owner and they are granted a judgement by the court they will make her sell the house or make an attachment to earnings or instruct a bailiff to remove goods from our home. They are now starting to really stress my wife and they are getting on my nerves by the constant letters should I now send a cca request? Many thanks

Had another letter this morning "We have still not received payment or have a payment plan in place,we know how hard it can be to manage our finances and we are willing to be flexible blah blah blah.This debt is not going to go away and will only get worse we suggest you pay us £30 per month by direct debit that's the equivalent to only £1 per day blah blah blah. Do I just ignore or send them a CCA request ?

My apologies it wasn't a cca letter it was the genral letter hyperlinked in reply #2 by cerberusalet Thanks

Hi I sent them the CCA letter and a few weeks past and they have replied with " Sorry for the delay in our response We note from your letter your comments about you not being our customer but with the information we we hold we believe that you are our customers and therefore liable for the outstanding balance. We look forward to receiving your proposals for payment" So what next ?

This is my first post so my thanks in advance for your help. My girlfriend has been receiving letters from Lowells and yesterday got one from Reds this I believe from reading on this site are one and the same. The debt is from Lloyds it is about five years old and she thinks it is for a credit card but she can not be sure she has other debt lurking in the back ground that I have found through credit checks but this is the only one to date that has raised its ugly head. What is the best course of action?