Ah ok. I'll send them a letter explaining it all then they can decide. I'll even refer them to my ex doctor so they can see for themselves. Thanks again. Dave

Thanks for the replies. You've all eased my mind a little knowing the options and ways ahead. I was definitely not in a fit state (which my ex wife knew) for about nine years. I'm a lot better now but the thought of dredging it up and going through doctors/Mind isn't a prospect I relish even though my ex doctor (live in different area now) was fully supportive of me so medical evidence would not be a problem at all. My credit file is trashed anyhow so I'm not bothered about what they do with that, and I'm still financially associated with my ex wife on there even though we've been divorced over two years!? I'm tempted then just to ignore them and if they take me to court I'll contact my ex doctor for the evidence. Even thinking about it all just causes too much stress. Thanks again for the information and advice.

Thank you for the informative reply. I've signed up to equifax and it shows that 1) Equifax shows no payments at all! 2) Apologies for being a numpty but how would I go about getting a breakdown? 3)It is shown as a default in August 2009. I suspect explaining my old circumstances would fall on deaf ears at Lowell having read about them. I'd ignore the cheeky buggers but I'm just worried that bailiffs will land on the doorstep. Thanks again for your help. Dave

Hello. I've read a lot of useful posts on CAG forums and now would like to ask a question of my own. I recently started receiving letters from Lowells for a debt to o2 from three years ago. I have several more from them (divorce, myself on incapacity for ten years, wife got me to sign for things when I wasn't really compos mentis,got myself fit enough to work a fact I'm proud of, long story which I'm happy to expand on if needed) and have sent 'prove it' letters to all and am still waiting for CCA's on all after a month. They say the o2 debt is a service contract and are demanding money saying they don't need to send a CCA for a service contract. My questions are 1) What letter do I send next to get them to prove it's my debt? 2) Is a printed statement with two payments on it proof the debt is mine. No signatures just an old address and my name on the statement cover. Looks like they printed it themselves to be honest. I'm happy to pay if the debts are really mine but it's just strange these should come out of the blue after years. Any advice gratefully received. Apologies if this is in the wrong forum. Dave