What are SD's?? Im not sure what paperwork I have anymore!!

I am not going to contact them and see what happens next!! Thx

I think I recall a letter offering a discount but not stating how much. It was a long time ago though! Thx

Should I just ignore them then? Thx for your advice

I have not had any discount letters from Lowell just 3 letters asking me to contact them to agree a payment plan.

Hi All, Any advice greatly appreciated!! I have recently started to receive some letters from Lowell regarding a business Debt from 2009 so it will be coming up to 4 years. The situation was that I had a business with a business partner and we had an account with HSBC which had an overdraft and business loan. We signed a Joint and Several guarantee to the Sum of 20k and when we shut the business my ex business partner negotiated himself out of it paying 6k to HSBC and they the came on to me for the O/S 14k. I found this completely unfair as I was not in a position to pay 6k and sent letters stating this but it never really came to any conclusion. I have had a number of letters over the years from HSBC and different depts/other debt collection companies and to be honest I have just ignored them and I have also changed address a few times so may not have received some. HSBC or other debt companies have not issued a Default or CCJ for this and it does not appear on any of my credit files. I am still not in a position to pay any of this debt as I am on very low income. Is this debt still enforceable and should I contact Lowell to discuss? Many thanks in advance