That is brilliant thanks citizenb!!

Me either

Noting today either. I have to submit my defence on Monday, so I need to start planning. What should I do? Embarrassed defence?

Warning!!! I have done some digging and it is indeed a fishing exercise by Lowell Portfolio 1 Ltd They have been on watchdog for it before: BBC - Watchdog: Lowell - chasing debts Lowell Portfolio 1 Ltd | Saiweb

Thanks Locutus My only worry is they might whack something on my credit file?

Hmmm yeah they will just pass you from pillar to post I defo think this is an ignore and see what happens job.

OOps can a Mod clear up for me please?

Yeah thats my worry, I have a feeling this would be a total and utter nightmare to sort out! And as its not on my credit file, I might as well ignore it until they go for a CCJ

No I only delt with dial a phone and it was my understanding it was all canceld and done

Yeah not good It is strange, I am fairly sure it relates to a mobile I ordered from dial a phone but didn't like so I sent it back and canceld. Strange thing is, I haven't moved house and I have had no letters or anything up till now or I would have sorted it sooner. I might ring dial a phone to see what their take is on it.

Yeah I thought that, I wouldn't phone the number on that letter. I am starting to think it might just be a fishing exercise for old accounts so I might not acknowledge it and see what happens.

Nothing in todays post!

I have just had a look and I think this might relate to a phone that I sent back and cancelled under the 14 day cooling off period.

I have just noticed Lowell have searched my credit file every month for the past 6 months!

Today I received a demand from O2 regarding an account from 2007 I have absolutely no knowledge of this, there is nothing on my credit file. I am actually with O2 now and have had the same number for about 10 years!! Apparently they are passing it on to Lowell's and today I noticed they did a credit search on my file. I have sent the std debt not recognised letter, what else can I do? Just wait and see what they come up with?

Any ideas what you will do if you do t hear anything? Apply to have it struck out?

Well I heard nothing today hopefully tomorrow but I am fully expecting not to hear anything back!

Yeah give or take a few days, virtually identical circumstances

I have just checked, both were delivered on the 23rd

Hi i am just waiting, should hear back this week hopefully I believe my case is stat bared like yours I think they have made a mistake buying lots of stat bared debts

Yeah I'm sure that was/is their plan

Thanks CitizenB, I would say they are going after about 70% of the account. The sol is HL Legal & Collections I wonder if they chose the £299 amount to test the water, maybe its cheaper for them somehow if its under £300??

Thanks Docman you are spot on! Yes I have acknowledged the claim online. I have until the 5th to submit a defence, I will see what I get back from them next week and possibly go for an N244

Thanks for the info guys. I hope I have done the right thing, I have sent: To Capital One ref CCA request: http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale To Capquest: A proper S31.14 request And I sent a statute bared letter to Cap quest CC'd to Cap one. I didnt know what else to do.

Ahh nice one thanks Daniella I am also sending then the stat bared letter as im 99% sure it is