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Anthony7

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  1. Out of interest what does CCA mean? Yeah Lowells have certainly bought the debt. Details of assignment I received in the envelope with the introduction letter from Lowells
  2. Just received a letter through the post from Lowell Portfolio with reference to a £450 debt they have recently purchased from Barclaycard. The debt is from about 3 years ago. Escaped Barclaycard originally as I had moved out to Australia. Barclaycard had contacted my old address via phone but gave up when they accepted I no longer lived there. Now I am back in the UK and have been for 6 months. Letter is opened and I am not able to comfortably pay it. Would Lowell have done some research on me/my location etc. before purchasing the debt? Maybe they found out I had returned to the UK from Facebook, Linked In or the phone contract I took out (as I have not applied for any kind of tenancy agreement or other contracts)....as the letter is opened I assume it would be pointless to send it back in another envelope saying "no longer at this address"... It seems Barclaycard gave up on the debt due to me relocating - if I do not admit my relocation to Lowell or acknowledge the debt - is there a good chance the same thing would happen as with Barclaycard? I may simply have to agree a payment plan however would like to know how best to handle the situation as there are various other similar UK debts I have which are also likely to surface at some point in the near future. Any suggestions would be infinitely appreciated.
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