Thank you

Thank you very much, i really appreciate all of your help in this matter

Thank you again for getting in touch. The item is in the attic and has never been usable because it arrived with a fault. The only time Lowell had any correspondence before the current time was when I informed them of the situation with Kays. I do have a copy of the signed agreement (with another persons signature). I was advised in the past to ignore any correspondence from any Credit companies regarding this account because of the fraud. I do not want to acknowledge anything that could restart this whole matter again. To be honest i really thought that the matter was closed, how wrong am i.

Thank you for getting back me I really appreciate it. I have absolutely no idea who signed the agreement, but the item was delivered to my home and found to be faulty. Unfortunately Kays would not accept the item (for reasons unknown). When i discussed the issue with Kays after some very awkward letters and telephone calls including intervention by the Financial ombudsman, they stated that they would look into the matter. Around a year later I received a letter from Lowell chasing the debt. I wrote to Lowell at that time explaining the situation, at which point they apologised for contacting me and said they would return the debt (or words to that effect) back to Kays as the debt was questionable and Kays were at liberty to prove who signed the agreement. As far as i am aware Kays have not contacted me with any findings of an investigation, and it has been quite a number of years since i last had contact with the company.

The debt was for an item purchased from a catalogue (Kays). No payment has been made on the account since 2008. The debt does show on our CRA as Lowell have added the item to our credit file even though we have not had any discussions with the company. This item is the only blot on our file. The evidence is that a credit agreement between myself and Kays was fraudulently signed as i did not signed the form and fortunately for me Kays actually sent me a copy of the form which someone else had signed using my name. The original form (unsigned) is also in my possession because i was trying to send the item back to Kays but they refused to accept it. I also have all of the letters highlighting the discussion around this. The amount owing is £1500.

these company's and their activities are quite shocking

Exactly and with all of the paperwork i have proving that the debt is not legitimate i cannot see a court issuing a ccj.

Thank you, that is a great idea. I could wait and see whether they write again, after all they probably would not arrange a ccj immediately. Thank you again for your help and advice.

around £1500 pounds

Thank you for your reply. I have an enormous bundle of paperwork regarding this debt, but i will maybe request they send me a copy of the credit agreement whilst simultaneously pointing out to them that the debt should have been frozen because i cannot afford to get ccj's.

Thank you. What do you recommend i do, ignore the letter or write to them informing them that there is an issue with the original debt?

Thank you for getting in touch. What exactly is a lemon debt?

the new dca is Lowell

I wonder if anyone can assist me with a debt collection issue? A number of years ago i was taken ill and had to resign from my job. As a result i had to restructure my credit payments to new manageable amounts with the aid of CAB. For the most part this has been an easy option even though i am legally defaulting on these payments i have paid the newly arranged amounts on the specified dates and at the specified amount. However, one of my creditors was awkward to say the least and it transpired upon investigation that they could not actually expect payment because of a false signature against one of the items purchased. This matter was further raised with the financial ombudsman and the creditor was instructed to freeze the account while full investigations took place. What the creditor actually did was sell the account to another debt collection agency. I contacted the new agency highlighting the issue and from that time (around 4 years) to this i have received no correspondence from any company with regard to this account, until today. Today i received a threatening letter stating that the company (another new debt collection agency) had found my address (i have lived at my house for 12 years) through my credit report and were now asking that i repay the debt or else. What i really want to know is if they can actually still claim the payment as there is a huge question mark over the validity of the debt, and the time frame between each letter. if someone has any idea with regard to this matter i would greatly appreciate some assistance.