Lowell did a generic check on me a few months ago on Experian,Ok wiill check Equiifax.I had assumed they all shared the same data

The original debt £1,043.31pence was with capital one,I was making a payment each month,but it was frequently a few days late ,I paid my bill online using my debit card.Always paid at least minimum but more if I could The first letter came two months after,these difficulties began..It exlplained the course of action they could take.termination of the account,arranging a visit from there agents to my home,registering default with experian or other agencies and its effect on my future credit.They didnt mention the phone calls 4 to 6 times a day,Iwas paying the debt as best I could, felt trapped and afraid and stupidly stopped paying,when they denined me internet access t o my account to do so .I didnt want to talk to them,I didnt like there intimidating behaviour and there threat list.At the time I was really ill.This was 18 jan 2009 Feb 2009 total credit management wrote to me as appointed agents demanding payment and saying solicitors woud be there next process if I didnt pay Then credit solutions save 30% pay today.I couldnt so didnt respond.Then capital one took back the debt in October,I dont knnow why,then the hone calls began again,I coulndt believe the frequency,but I never answered ,I couldnt always get to the phone because walking was difficult, Since then Ive been passed around various collectors,solictors.It is Lowell who Carter is acting for I havnt communicated with any of these groups in any way not phone or letter aknowledging the debt that is mine.I subscribe to credit expert my record has no defaults nothing at all from capital one

I defaulted on my capital one credit card the amount being 1000 pounds. reasons at the time myOH had left and I was very ill but didnt know with what,labelled a nervous breakdown for a year,I new it wasnt.family in crisis life turned upside down.I worked but it wasnt enough I got into debt,but eventually resumed payments and now have fair to good credit score,no defaultsfor several years[capital one never registered my default],reducing my other debts steadily.Odd no default recorded by capital one.I dont know why because they and there agents harrassed me with phone calls early morning late evening,even robotic recorded messages to ring them , was afraid to answer the door in case it was them.Iwas ashamed embarassed,my children went off the rails and I was diagnosed with parkinsons disease in my 40's,I then began medication fuzzed my brain felt worse ,couldnt cope with CAP1 so ignored them.Storys different now,I need to deal with this confusing mess. Defaulted 2009 Passed to D collectors,first of many changed frequently most are listed here in other threads treat it ,like a game of ping pong with lives they care nothing about. Was offered 30% reduction but they wanted it in one payment and time frame was impossible for me Have never spoken written or aknowledged this debt to any of these DCs [by phone or letter]or anyone until this moment. Christmas is coming Mr Carter arrives just my luok, but Im not hiding and I will enjoy my Turkey but heeeelp please What do I do had this letter what will he do next its a Final warning, acting for lowell court action pre sue.Hope your not closed for christmas,Were do I start with this Ive gathered my papers together,why havnt caiptal blighted my credit record