I've sent a SAR off to HFC, I've had no reply and no further contact from Lowell. My Default has now also mysteriously vanished from my credit file.

I'm not 100% sure, but I believe the last payment was in the winter 2008/2009. Kind regards, Lokur

No I never had the PPI payments returned. As they haven't chased for near 5 years, I didn't bother with a PPI claim I figured it would eventually get statute barred and I'm happy either way. I believe I have the original agreement, but I won't have all the statements. I do know I have some. P.S. How did you format my post, I tried 3 times to add spaces...

Dear all, I just recieved a letter from Lowell financial stating they had bought a debt, along with a letter from HSBC (HFC) saying they had sold it. The stated amount was ~£8000. (Both letters was in same envelope, I assume Lowell has been granted permission to write the letter from HSBC) The debt in question was opened 2007, and within a year contested as there was a PPI attached that I never had asked for, nor would cover me as I was a contractor at the time. They stopped chasing me as I kept contesting the debt due to PPI. It was defaulted in 2009. They have not contacted me since. I've been banking with HSBC ever since so they have always known where I have been living, and they have given me a credit card and £3000 on overdraft since. I've never once not paid back these every month I've been what would be seen a model customer, except for refusing to pay the debt which had a mis-sold PPI attached The Original loan was for roughly £5000 and the PPI attached was about £2000 I think I paid £350-400 a month for 7-8 months till I realised the PPI was on there and that it was also not possible to claim on due to being a contracter I believe HSBC just sold off a lot of debt to Lowell, I guess I have been caught in the flood Lowell have not sent me a chase for the debt yet, just a letter saying they now own it. What should I do at this stage, bearing in mind this debt is probably going to be statute barred in less than a year? Sincerely yours, Lokur