I have had letters from Lowell chasing an old Capital One account for quite a few years which I have always ignored. I have had many threats of legal action from various associated companies of Lowell which I have also ignored, however on Saturday (28th June) I received a claimform prepared by Bryan Carter Solicitors on behalf of Lowell Portfolio Ltd. They are stating the debt was assigned / purchased on October 2009, and they are after the original claimed amount (by Capital One) plus interest dating back to October 2009. Could do with some help on this one.

HI, I'm after a little advice on the following and where i stand etc. This all relates to a Lloyds bank account held between 2001 and 2008 In 2006 i attempred to get back approx £5k worth of charges from Lloyds - i never took it to court as i could not afford the initial court fees at the time so only went as far as issuing a letter before action ti which i got the general "go away" letter back from Lloyds. sometime between 2007 and 2008 lloyds allowed me to go overdrawn and this spiralled out of controll - when they closed the accoung in 2008 i was £1100 overdrawn and this was mainly due to unplanned overdraught fees and interest etc - the initial figure that hiad actually gone overdrawn by was only £100 or so but with wages not covering the excess fully each month it soon shot up to the £1100 figure. between 2008 and 2012 i had letters from lloyds and various debt collection agencies trying to get it back - my reply was always that the figure was made up of excessive charges and i welcomed them to take me to court so that i could conterclaim on account of the charges from the overdraught AND the previous 5k of charges from 2001 - 2006 - they never took it as far as any kind of court action and was generally just a long line of threat-o-grams. In June 2013 the alleged debt was SOLD to lowel finance and i told them that i didnt recognise the debt as it was made up of charges dating back to 2001 (explained the whole thing to them) and they needed to prove that i owed the money. in December 2013 they finally got back to me with their "proof" that the debt was owed and this was in the form of a years worth of statements between 2007 and 2008. So a couple of questions ... 1 - What else can i do to delay and ask for more evidence - A statement of account surely just shows what went in and out of the account etc and doesnt nessasarily show that X is owed, why its owed, how its made up etc ( or does it and is it enough ? ) - should there be a CCA or similar ? 2 - The last entry on the statement when the account was closed was march 2008 - will this become statute barred in March 2014 ? or would it become statute barred earlier - for example when i originally went in to unplanned overdraught - or maybe later when they first sent a default notice ? 3 - and finally - do i actually have ANY kind of defence with my stance that the majority of the amount owed was from unplanned overdraught fees and that that i may have a counterclaim for unfair fees going back to 2001 ? Any help would be appreciated D