Ok so acknowledged I have been a bit silly here my next steps Who can I contact for some legal advice on how to put all this to bed? I am guessing there is no way of checking that this debt is not Statue Barred as I have no way of accessing my credit report for the old alias? Is there any way I can contact the creditor for this particular debt and settling out of court? Any help would be much appreciated granted I have been a total numpty in my younger years which is coming back to haunt me

Roughly when did you take out this account ? The account was taken out in 2006/7 Roughly when did you stop paying ? Stopped paying in 2008/2009 stopped paying Are you bothered about any CCJ ? CCJ is not affecting my new alias as I changed this on 2011 and already have the ability to take our credit I know because I use a CC for work Do you want to start paying this debt if it correctly due for enforcement and is not statute barredicon ? Not if I don't have to as its not directly affecting me I completely forgot about it tbh How many other debts are in the pipeline of being chased ? Do you know the approximate value of your overall debts ? I think there might be 2 more that I know of over 10k Lowell are claiming £2000 the original debt was with Lloyd's

Thanks.. I am living in England not Scotland. Details of the letter Particulars of claim The Claimant claim for the sum of XXX being monies due from the defendant to the claimant under a store/credit act regulated by the consumer credit act 1974 between the defendant and a bank (remember this) Under the account reference xxxxx and assigned to the claimant on 30/06/2013 notice of which has been given to the defendant (I don't recall receiving mail all has gone back quoting return to sender) the defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with (again not seen any of this as all mail is returned to sender) The claim also includes statutory interest etc The letter issues date was the 7th Feb that's the just of then letter and I have a few methods of replying to this. To highlight though the claim is under my old name not my new alias and I'm pretty sure I stopped paying this in 2009ish

Its a letter with 3 reply methods acknowledgment or disputing the claim from these guys. The letter has been sent under my old alias which has not existed for nearly 3years now. However I don't know if there have been any previous CCJ to my old alias and need to check if it might be stature barred but can't as I do not have any verifying documents

There is no details on it apart from the actual amount that they claim I owe them. No other details just a CCJ letter from the court.

Its Lowell's... As I said I have never owed these people money so assuming they have acquired it from somewhere.

Default Terrible Teen Debt Hi Guys, Need some help and guidance, I will be the first to admit I was stupid for doing this but I got involved with a bad circle of friends and ran up some debt with loans and credit cards. I buried my head in the sand and decided to stop paying these off. It all got a bit too much so I decided the best way out would be to start fresh and change my name which I did successfully via deedpol. I have recently received a CCJ on my old name for this debt it's been a long time since I stopped paying this off. I do not have a clue who I owe this money to it has been that long. I can no longer access my credit file for my old name as I don't have any ID what so ever to verift this. I am aware of the statute barred rule and I am sure it has been longer than 6 years since I stopped responding and acknowledging this debt but inhale no way of checking. The pursuers are a well known collections agency in Yorkshire and looking into their reports on various forums s have a habit of chasing post 6 year debts. Any help or guidance would be appreciated. Thanks