Lowells are just the bottom feeders of the DCA industry. Littlewoods have obviously wahsed their hands of the debt and just sold it onto them. They have no right to be adding their own charges on so i would report them for that as well. Never pay by direct debt as well as they can take what they want that way.

Yes Lowells/Red/Hampton Legal are based in Leeds and can do nothing to you as they have no legal power over you. They specialise in threatening all sorts that never turns to reality. They have the right to take someone to court of course but very rarely do that as it costs them money. When they say they have your credit file that is just them trying to be macho and intimidating but means nothing much in reality. If they are harassing you then report them to the OFT & trading standards. Also stay off the phone to them and dont answer any security questions.

Rio is obviously talking out of his rear. It is not a crime to be in debt. Stay off the phone to them and refuse to answer security questions if they ring you. Report them to all the authorities.