I'm not actually sure, when the last payment was made. but i know i've never made a payment to lowell or these ever. i've also never acknowledged to them in writing, this account is old, i'd say around 4 years old. could be even older, but i'm not sure. what would the best way be, to find out how old the account is?

No, i can't seem to find it on my credit file. Just checked it. i'm subscribed to the checkmyfile credit report. What would be the way forward?

This morning i have just recieved a letter from advantis credit limited. The letter states that "theit client" has instructed advantis to undertake debt recovery action against me. There client is "lowell group" this is a debt i have let get buried quite some time. The actual debt is from a shop direct catalogue from some time ago, but can't remember the exact details. The letter goes on to say " if we do not hear from you within 7 days they may take further action against me" then the letter goes on to say we'll apply for a county court judgement and it will harm my credit in the future. Can someone give me a bit of advice on what to do with these? they have started phoning me up but only leaving a message as i'm never really in to answer the phone. I know the next time they ring and i answer the phone i should tell them not to phone and only contact me through letter. can anyone direct me to what letter i should send back to them? by reading through the forum i assume i can claim back charges from shop direct, not sure what charges are on there but... i know there is quite a few. this is the first letter from advantis, i have had letters from lowell but i've always just binned them. (they never contacted me by the phone, just through letter) Help is appreciated.