No, this only started 2 months ago. No, I haven't Yes, all of the letters I have sent have been by French recorded delivery (Recommande International)

The agreement did carry a correct address. My thinking at the time of asking for a copy of the agreement AND a breakdown of all charges was to see if the alleged debt was run up by someone else and see if I could prove that. I take the point. I will now send a final letter.

Well I think it's interesting. I've read a lot about Lowell here on these forums and elsewhere on the web as I have been contacted by them. I do share the popular opinion of these people as **** bags but I am also going to assume that they too read these forums so forgive me if I try to "fly under the radar" somewhat. They wrote to me claiming that I owe a major credit card provider over £5000. They say the debt was sold to them in June 2011. They quote an credit card account number with the last 3 digits missing. I truly and honestly do not know of this debt. I don't live in the UK any more, I moved to France in 2008. It's a long story that I'll spare you but I now own absolutely nothing. I live with my partner and children in a house that was left to her. I earn my keep doing odd jobs, painting and gardening for other ex-pats. No sympathy required, I live in a wondeful place and I have a loving partner and family. I'm very happy. Now this crowd are writing to me about this debt. I was paniked and scared at first. I found a template letter and wrote to them, recorder delivery, saying that I had no knowledge of any such debt. It quoted OFT rules etc. and said I ask that no furter contact be made unless they could provide evidence of my liability. I then received what appears to be their second standard demand letter. This did not answer od refer to my letter to them in any way. I replied and re-staed that I had no knowledge of the debt and this time asked specifically for a copy of the credit agreement and a full breakdown of the account including any interest and charges applied. They responded that they had asked the lender for a copy of the credit agreement and said that they would reply as soon as they could and do their best to send it within the 12 days. I got another letter 6 days later saying that the lender was trying to retrieve the agreement from their archive. Now I've had a letter saying "your original creditor has provided us with the attached reconstituted copy of the credit agreement you entered into with them, which they confirm you would have signed prior to the granting of credit to you. Under section 77/78 of the consumer credit act of 1974 we are not obliged to send you an exact copy of your signed agreement." Is this true? If so this in itself is outrageous. How can they get away with sending a copy of any old credit agreement and not the specific one bearing a (my) signature? Anyway, this is where I'm at. I'm not sure quite what to do next. Should I respond at all. I'm in France and I've truly got nothing, I don't believe I owe the money and Lowell can't send me a signed agreement but they say they have satisfied their obligations under the act. They have completely ignored my request for a full breakdown of transactions, interest and charges. What if my identity was stolen and a debt had been run up against my name fraudulently? How would I know? What should I do please? Your opinions would be gratefully received and appreciated.