Thank you all so much for your replies, they are a great help. I think I will send them another letter using the templates on here as a guide, as they don't actually fit my circumstances I will just use relevant points such as OFT guidelines etc, do you think that would be the best thing to do?, I don't really want to answer that post on here from their complaints dept as I doubt that people who work for different depts of the same firm can be helpful, in fact it makes me feel uneasy that one of that lot has been reading my post. Thanks again, Lou

Hi Halibutt, Thank you so much for taking the time to reply. I am afraid I can't speak to my son about this matter as we are unfortunately not in contact, and haven't been for around six years, so I am on my own with this one. I have tried to contact him but had no luck as yet, and I do realise that we all make mistakes so I am not judging him to harshly over this, I just wish I didn't have to deal with it, I am afraid I am a worrier by nature and these Lowell people seem evil to me. I have a feeling that this debt may well be statute barred as I can vaguely recall my son speaking to Capit

Hi, this is the first time I have posted anything so if I mess up please bear with me. A few weeks ago a letter addressed to my eldest son was delivered to my house, he does not live here and has not done so since 2003 and I couldn't pass it on to him as we have not seen or spoken to each other for almost 6 years, so I just wrote on this letter "not living at this address, please return to sender" popped it back in the post box and thought no more of it until another letter arrived on 18th June, again addressed to my son but not sealed, I noticed it had the same return address as the previ