So is the best thing to give them a CCA ?, forgive me im new to all this. if the judgement was set aside would this become statute barred or would that not come into this? In terms of a defense i dont deny i owe them money its just the amount, an extra £1200 on an original balance of £1400.

Right so im an idiot, i did confirm my current address to them in the first few emails i sent to them, they asked for my address to confirm my details due to the data protection act, i only gave them my current address so obviously they did have my current address.

Thanks for replying..........The strange thing is i have lowell letters to my address but this lowell i have spoken to via email say they dont know my address and i need to confirm it so they can send me copies of the original agreements, as yet i havent confirmed. I know it wont be statute barred as the CCJ date (they claim 2012) on my credit file is 2014, i last used the account in 2009. The account was with Halifax, i will try and get a copy of the CCJ today and take it from there, thanks again.

Thanks, can I not do anything about the amount being nearly double what I originally borrowed, surely that can't be right ?

I haven't replied to any letters from them, it's really only now I'm trying to sort things out

HI Hopefully someone can help me, i really don't know what to do next. i admit a few years ago i ran into a few problems and didn't keep up to date with outstanding credit accounts, the old bury my head in the sand. I have being trying to get things in order and recently got my clear score credit report, to my shock i had a CCJ for an outstanding overdraft which was being chased by Lowell. As far as i remember i had a £1400 overdraft which i left unpaid. That was in 2009. i moved house in 2011 and never heard any more about it, although i have had other lowell communications over the last few years . I contacted lowell to ask for details and they informed me the CCJ was taken out in 2012 although the credit report says 2014. They informed me i have arrears on the agreement of £1000 and must start paying £50 per month right away or they would take further action. My main question is do i have any rights to have this set aside , Lowell have obviously had my latest addresses over the the last few years why is the first I've heard about it when i got a credit report. And also the overdraft was £1400 but the debt they are claiming i owe is £2605, is there any way i can challenge this?