Hi Dx Thanks. I thought as much but reading other posts on this subject I noticed that the older account holders have had trouble in getting their required information. I was hoping to find out if it's worth pursuing as I know the Barclaycard 'debt' was sold on, I've had a plethora of companies hassling me over the years. Most, if not all, of what is owed is due to charges. Thanks.

Hi Just wondered if anyone could advise on best course of action to possibly reclaim PPI. I had a loan from Barclays in 2004 which I paid back in full later on that year. I know I had PPI but I have since closed the account and no longer bank with Barclays. Is it worth pursuing a PPI claim ? What's the 1st step ? Any advice would be appreciated. Thanks. I also had a Barclaycard in 2004 which is also closed and wondered how I would find out if I had PPI ? I have no statements relating to this card but do know there is an outstanding balance largely due to exhorbitant late payment charges. I have received letters from various DC companies over the years which I ignored. Again any advice would be very much appreciated.

Hi All, Just an update on the situation with Lowells / Red. The initial letter from Lowells stated I had 14 days to respond to their demand for money. The letter was dated 6/10/11. On the 19/10/11 I received a letter from Red Debt Collection Services stating; " Dear Miss xxxxxxx RECOVERING WHAT YOU OWE Lowell Financial Ltd passed your account details to us so we can collect the money you owe on their behalf. You must now pay us £1582.97. We are specialists in assesing accounts for litigation. So we will be obtaining a copy of your credit file in order to review your financial circumstances and the information within it will help us determine the best way to recover what you owe. You can avoid this. Call us on 0844 844 4722 pay in full; or to arrange a suitable payment plan. If you do not repay what you owe you could risk legal action being taken. We may decide to apply to the Sheriffs Court for a Decree. If we are successful in obtaining a Decree and you still do not reply, depending on the amount you owe and your circumstances, we could then apply to secure the debt agfainst your property, or to deduct amounts directly from your earnings. We may ask a sheriff to remove goods from your house to the value of the debt. Alternatively, instead of applying for a Decree we could ( if your accounts meet certain criteria ) serve a statutory demand upon you and where you do not then repay petition for your sequestration. If you were to be made bankrupt you could lose rights or benefits in relation to the propery you own. We would obviously prefer to avoid such action and settle this amicably, please call us on 0844 844 4722. If you are unable to pay the full balance we will arrange a payment plan you can afford. You can set up a direct debit online go to www.lowell.co.uk Yours sincerely Kevin Allmark Collections Manager. If anyone has time to reply my questions are these; 1) As in previous posts I am sure this is Statute Barred. However, if I had a CCJ in England can they persue it in Scotland even after 6 years ? 2) I am currently paying off my £2k student overdraft with RBS, does this show on my credit file, as that's the only debt I am repaying. 3) I do not own the property I live in, it's my partners house, I am not even registered on Electoral Roll, if I sent back letters in another envelope marked "no longer at this address" what could they do ? 4) As previously stated also I know I could reclaim PPI on Barclaycard but I honestly haven't got inclination at present. I know people have recommended me getting hold of my credit file but I don't want to confirm that this is my address, and by obtaining my file I would be confirming it. On 28/10/11 I received a further letter from Lowell's practically begging me to get in touch and promising to help me, how kind. Do the normally play good cop, bad cop with Red ? Any answers will be gratefully received. I have made a small donation via Paypal as I think this site is fantastic and certainly made me feel less scared about my situation. If I had the sum of money that is claimed I owe going spare I would much rather donate it to this group. Bazooka, how are the neighbours ? Kind regards all, Mangomouse.

Hi thanks for that but as I said I haven't got time/inclination to at present. I am grateful for all the advice but just getting lowlife Lowells off my case will be my priority. I am going to ignore initial letter and return any further as not at this address. Mangomouse

Hi Cerberusalert I probably misconstrued the info I was given, I was under the impression that 6 years from the date of cards activation was the limit for reclaiming any ppi/charges. I'm waiting to see what further threats Lowells write to me before I decide on my next move. As I said though I really just wish they would get lost. Mangomouse

Hi Intend, it's over 6 years since I had the card and I've been told that you can't make a claim. I'm not bothered anyway I just want these cheeky scumbags from Lowells to get lost.

Hi All, Thank you for taking the time to alleviate some of my stress when I received the Lowell's letter. Without going into too much detail, my partner has been quite ill for the last month and any phone calls from this **** outfit Lowells could be detrimental to his well being. I am VERY tempted to just ignore this first letter and return any more I receive as "No longer at this address" I am not on electoral register or anything. The thing that gets me is if I were to be allowed to reclaim PPI it would probably negate the amount I owe and then some. I just want them to go away as I really have enough to deal with at the moment. Any I shall update as and when applicable. If someone could tell me how I can make a donation to this site I would be very grateful, it won't be much and won't be until I get paid on 28th, but just knowing there are kind people out there who are willing to take their own time to help and advise people in my predicament made it so much easier to deal with. Thanks again All, Mangomouse xx Ps Bazooka I hope your noisy neighbours were dealt with accordingly.

Once again, thank you for taking the time to advise on this matter. I think I wil get a copy of my credit file and see what it says. I am also going to ignore Lowlife as from reading the threads on here I think it would be futile to acknowledge them. Good luck with your neighbours, have you informed the councils environmental dept ? Noise pollution is not something you should have to put up with. Mangomouse

Hi Bazooka Yes I now live in Scotland (Remote Highlands). I haven't looked at any credit file on me since around 2004/5. After reading stuff on here I didn't want to apply for mine as then it would confirm my home address ( Which I don't own) and could result in Lowell or whoever to start phoning / turning up. I am 99% certain I have had no dealings with this since 2005, wish I was sure. I'm inclined to take your initial advice and ignore the letter and any subsequent letters. The amount is wrong also, more interestingly is it correct that an OC has to inform you when they pass on a debt to a DCA ? Also the wording of the letter they sent to me is quite disturbing "Obtained a copy of MY credit file" is this normal practice ? or are they really saying they have completed a search ? I hope your neighbours didn't keep you up too late, how inconsiderate. Mangomouse

Hi All, Many thanks for the replies, as I don't have a scanner here is the letter below. The reason I'm so anxious about this is if they start calling my partners house asking for me. As stated on my previous post he would become extremely anxious and I don't want these people causing him any grief. In answer to Nailpost, thanks for taking the time btw, They are claiming I owe £1,582.97, which I certainly don't. My last remembered contact with the OC Barclycard was 2005 0r 2006. I seriously can't remember as my Mother died in 2004 and my Father in 2005, I also became a fulltime student and moved about a bit before finally moving to Scotland in 2008 when I graduated. The letter is as follows: Dear Miss xxxxxxx Why we are writing to you at this address We have recently obtained a copy of ypour credit file to assist us in identifying your current residence. Your credit file shows us that you are currently making payments to another creditor, such as a bank, credit card, or mobile phone provider from this address and therefore we are writing to you asking that you repay the money you owe on this debt. You now need to pay your balance We would obviously prefer if you paid this money back in full, however as it has been outstanding for some considerable time, and to help you, we would like to offer you a 20% discount on your outstanding balance. If you cannot afford to repay the debt back in one go, then we will be happy for you to repay it monthly by direct debit at an amount you can afford. You can pay it in full, or set up a Direct Debit over the telephone by calling 0844 844 3742 or you can visit our website. complete the Direct Debit mandate online. Alternatively complete the mandate on the reverse of this letter and send back to us. If you do not pay this debt If you have not repaid this debt or if you have not set up a repayment plan within 14 days from the date of this letter, we will assess your credit file to help determine what assets you have and to gain a better understanding of your ability to repay. Dependant on what your credit file tells us will determine what we do next. Avoid any further action To avoid any further action please contact us straight away, set up a payment plan that you can afford and start clearing your account or pay off your account in a one off lump sum payment. Yours sincerely Andrew Bartle Chief Operations Officer. So that's the letter I received, which since staying up til 2am last night and reading a lot about Lowells dubious practices on here, I can see that it is a pretty vague letter. Obtaining my Credit File ??? are they allowed to obtain someone else's file ? I thought they could only search it. I don't own any property or anything so assets = nil. Also I have not received any letter from Barclaycard or anyone else saying the debt had been assigned to Lowells. I just don't want idiots phoning the house. Thanks for all and any advice. Mangomouse

Cheers Bazooka much appreciated, hope the neighbours quiet down soon Mangomouse

Bazooka I would be grateful if you could advise on my situation, my thread has been moved to the debt collection forum on here, I'm pretty naive about all this and was very shocked and worried when I received their letter today. My thread is titled Old Debt - Advice Needed. Thanks, Mangomouse

I would be interested to hear what you find out, they've done the same to me and are now chasing a debt over 6 yrs old.

Hi Citizen B Many thanks for taking the time to reply. I have been told that as the loan was taken out in 2004 I'm not able to reclaim, however this isn't the issue, I am more concerned with this Lowell outfit obtaining info about me and then calling the house or turning up. As stated the debt was from 2004 and I may have made the odd payment in 2005, I moved round a bit so can't be definite. I can't understand how a company can use a credit reference agency file to ascertain my assets and determine how much I can pay them. Reading through other threads on here I'm inclined to believe they're clutching at straws. I really don't want to sar the original creditor (Barclaycard) as then my address could be confirmed. I don't want my partner to worry about this, I'm tempted to ignore it or send back a not at this address note. Does anyone have any further advice ?

In 2004 I aquired a barclay card credit card, a couple of months after my mother had died. I also took out a £4000.00 personal loan, which I repaid in full. I then switched banks, after becoming a full time student, to RBS, who I still bank with. Today 13/10/11 I received a letter from Lowell Portfolio group informing me that they had obtained a copy of my credit file and had ascertained that I "make payments to another creditor such as a bank, credit card, mobile phone provider from this address". They go on to admit the debt has been outstanding for some considerable time and to "help" me they are offering a 20% discount and I can set up a direct debit to pay it off in installments. The thing is I feel that the debt should be statute barred, or very nearly, I did make one or two payments and then defaulted as I was skint, a student and sick of the ever increasing late payment charges that were whacked onto my account without informing, looking back I would question the banks salesman for allowing a young and recently bereaved person to get a credit card. I now live in Scotland and have been here for 3 years, my partner doesn't know about this debt of mine and I'm loathe to tell him, he's quite good with money and he would fret about creditors turning up at the house. I'm hoping that it's something that can't be taken further as they have also said on the letter "if I don't pay in full in 14 days or set up a payment plan they will assess my credit file to help determine what assets I have to gain a better understanding of my ability to pay". The house my partner and I live in is in his name and I don't earn a great deal, I'm also paying off my student loan and overdraft. Im pretty angry that they can obtain all my personal history and then make veiled threats. I know for a fact the 4000. Loan had ppi but as its over 6 yrs I can't make a claim, I couldn't care anyway I'd just like some advice. Oh the credit card debt is for £1,582.97. I was going to obtain my credit file but didn't want to alert the creditor that I definitely lived at my partners address. Any advice or insights would be very much appreciated.