Hi can anyone help me please? I have today received 2 letters - one from Bryan Carter and one from Northampton Court. The one from Bryan Carter says> As you have failed to make repayments on the above account we have now issued litigation proceedings in the County Court. You will recieve a claim form in the next 48 hours direct from the court. Balance including interest court cost and solicitor fees is £1125 I emailed Bryan Carter this morning with the following> Ref your letter dated 18th July 2014, with instruction to pursue through court please find below Re:− Account/ xxxxxx Reference Number :-xxxx I do not acknowledge any debt to your company or its clients. With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974. 2. A full statement of account. 3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 4. A copy of any other documents referred to in the agreement. I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of our credit agreement on request. Please note that under no circumstances should this payment be set aside against any alleged debt. If you are unable to supply the documentation requested. I understand a copy of our credit agreement should be supplied within 12 working days. I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. I look forward to hearing from you, as the alledged matter does not show up on any of my credit reports and i shall defend this in court. Their reply back was> LOWELL PORTFOLIO I LTD V xxxxxxxxxxx ACCOUNT NUMBER: xxxxxxx CLAIM NUMBER:xxxxxxxx Thank you for your email, the contents of which we have noted. We confirm that we are instructed by Lowell Portfolio I Ltd to act on their behalf in relation to the collection of an outstanding balance in the sum of £1,125.70. The debt relates to HFC Bank LTD account number xxxxxxx which was assigned to our client. It is the original creditor’s policy to provide an agreement to its customers at the point of contract and statements throughout and therefore you have already been provided with validation of the debt. Our client will provide a validation of the debt in accordance with the court’s directions. A Claim was issued in this matter on 17 July 2014. Please respond to the claim using the Response Pack provided by the Court. You should comply with the deadlines outlined by the Court in order to avoid a default judgement being entered against you. We recommend that you seek independent legal advice in this regard. Yours sincerely Bryan Carter Solicitors LLP 11 De Havilland Drive, Weybridge, Surrey KT13 0YP Tel: 0845 219 8686 Fax: 01932 341 517 e-mail: [email protected] I checked my credit file and i have nothing showing on my account for this debt. The last time it was acknowledged was July 2008. I have had no letters from either HFC or Lowells. Nothing I have signed for by anyone. The date on the claim form says 18th July. The claim form says it was assigned to Lowell portfolio ltd on 23/10/2013 pursuant to the law of property act 1925 What do i do as really do not want to get a ccj as i want to move in 6 months time. Please can anyone help me ==================================================================================== What is the value of the claim? £1125.70 Is the claim for a current or credit/loan account or mobile phone account? Credit account for pc When did you enter into the original agreement before or after 2007? JUly 2008 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser who has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? No nothing at all. I would remember if i had Did you receive a Default Notice from the original creditor? I think maybe so yes but if i did it is not showing on my credit file for either experian, equifax or Callcredit for anything relating to this matter Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Nope nothing Why did you cease payments:- Completely forgot about it when the now ex was pregnant and we was struggling Was there a dispute with the original creditor that remains unresolved? Nonei know to - theyve never contacted me Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No never

Morning everyone, I have just re-surfaced back on my credit record after a good few years staying off the radar, I've had 4 letters from the leeds losers Lowells after different accounts that are statute barred....any suggestions

Hi, I have recently been contacted by Lowells on behalf of Vodafone regarding payment for an account that was active from 1997-1999. According to Vodafone collections, the last payment made was on the 30th June 1999, the subsequent payment did not clear due to no funds being available. I have been informed that 13 years later, on 4th September 2012, another attempt was made to take a payment (I'm not sure why there was no activity in the intervening 13 years), at which point a default was served on my account. My issue is this - I have no problem paying a debt that I owe, although dispute the fact that my credit report will be flagged with a non-payment from 2012 (thus affecting my credit score) rather than from 1999 as there has been absolutely no activity on the account in these past 15 years. Lowell inform me that the debt does not classify as statute barred due to the 2012 notice - as mentioned, I have no issue with paying a debt that I owe and do not intend to try to avoid payment, other than the issue with the date of the notice which in my eyes seems unreasonable due to the timescales involved and the account being dormant for 15 years. After such a long time, I have no records or recollection of this account (and have moved house 4 times since), and Vodafone are unable to explain why the default was served after such a long interval. Their only advice is to write a letter to Vodafone QA, which I suspect will take quite a while to resolve and in the meantime Lowells will be attempting to reclaim their debt. Any advice would be greatly appreciated - is there any way that I can have the date of the default modified such that it doesn't affect my credit rating? Thanks!

Hi, I've been reading around this forum for days about my issue and thanks to all of you, I know where I stand I've had three letters (2 from Lowells & 1 from Red which I know are the same people) about some alleged credit card debts which are 7 & 8 years old respectively. After reading all the info on here, I am absolutely 100% certain these are statute barred (no written acknowledgment or payments made for 7 & 8 years & definitely no CCJ's). I know I can send statute barred letters, but the devil on my shoulder wants to play with them a bit so I'm toying with the idea of just waiting and seeing where they go from here knowing that it's costing them time and money. So far, I've had two "Hello we're Lowell's and we've bought your debt" letters included with their own notice of assignment letters (made up to look like they came from the bank) and one "OVERDUE, you haven't paid, pay NOW before things get worse" letter from Red. If it weren't for people like you on here, I'd have been panicking, losing sleep and this would have absolutely exacerbated my mental health condition . Your help is very much appreciated. Who knows how many people get scared into coughing up when they're threatened by these vermin????? As it stands, I've got statute barred letters typed up ready to go but haven't sent them yet. Do I send the letters & see these plonkers off now or do I see how long they keep this nonsense up for? I just wanted to say thanks for being here, and if any of you have advice on how I should play this out, I'd be grateful for your input.

I once had a 3G dongle, which persistly crashed and i had many wasted hours having to redo things, so much so i had to either go out with it, or wait for a passing satelite to be favourable to me. I repeatedly complained to 3G, and I asked what happens if I want to end this. In reply I was told if i dont pay £15 at end of the month it would automatically be switched off. This was desperate after months battling with it. It was on a plan, sold to me rather hastily in a car phone shop. So 3G was well aware of the problem, and that i intended to end the use of it. All was going well, that was back in 2008. Now in 2014, I get a letter from lowells, saying i owe £239 !! Following advise I got off reading sites, I asked them to prove it, asking for full statements, contract which they stated I had signed, Notice of assignment etc. All for something I didnt know i owed! Well they sent me notice of assignment, supposedly sent to me in 2012, in place of a full statement i have got a bill dated for the following may, for £39, the other £200 being early disconnection fee, which hadnt made it on to a bill for 3G even though their bill was dated 6 months later. I never received the first bill, much less any notice of anything until 2014. I know i have moved once, but I'm not hard to find. First I knew was actually an ex partner writing to tell me Lowells had discussed with him a bill I had for 3G, I wasnt impressed as this person is not allowed to contact me under any circumstances. This week it has been handed to Red. I should add I made classic mistake of phoning them, and giving my date of birth, tel number etc in the first instance. Phone number has now been changed due to their never ending calls

Hi, I could really do with some advice here please... Some years ago before we met my wife had a Lloyds Bank account and a Credit Card, the first was overdrawn and the second had an outstanding balance. Both were open / taken out way before 2007 and due to personal circumstances at the time she had to pretty much start a new life. ..We think that the account and card stopped being used around 2007; however neither was ever formally closed and they were left in a state of monies outstanding. Some years ago we started to receive letters from different DCAs and each time I sent the standard response requesting the signed CCA etc. The way I figured an overdraft is an informal 'loan' and as such that and the credit card both require a signed CCA? we have never received a response to any requests and each time a new DCA got involved. Recently a company called Lowells have been sending letters in; initially we ignored them (foolish I know); however they started to threaten legal action i once again sent the standard request for the CCA and sent the £1 PO. This was on 25th November 2013 and to this day no response has been received. It was all sent recorded and I have proof of delivery. Again the lack of response suggested this had gone away but low and behold we get a letter from Bryan Carter expecting us to receive a Court Claim Form within 48 hours and true to their word it landed on the mat today. I have done some reading on this site and most cases seem to be around outstanding Catalogue balances and in some cases only part of the money was being claimed, in this case all of the debt is being claimed by BC. Please can someone advise what my next move should be; we still have no response to the CCA from Lowells and although we cant prove it we believe this debt is over 6 years old I wondered if the Statute Barred comes into effect here? I opened an Experian account for my wife today and there is no reference to this on her credit file at all as a default account? I am guessing that I should send a CPR 31.14 Request to BC and also acknowledge the Claim with the courts and contest it? I have read so much on here today that my head is spinning so any assistance would be very gratefully received. Many Thanks, Mat

I purchased an Orange 1 month rolling contract chip which was £25 per month and included unlimited calls, texts and internet which I thought was ideal as my son likes talking too much. Anyway he decides to call a premium rate number to some chat line thinking it is free and guess what the bill was raised to £100 in call charges without me being informed or a call to say the account has been suspended because of this, I could not even talk to anyone as there was only a mobile customer services which I refused to use. Eventually I contacted them and told them to cancel the contract gave one months notice and did not use the phone until it was suspended. I then get a £200 bill not stating any breakdown of how this has occurred and saying your account has now been suspended. I was shocked obviously I would have to pay for what has been used but not 200 any advice on this would be very much appreciated. Mashmallow:mad2:

I had a credit card debt with Alliance and Leicester going back 6 years ago (at an old address and a different name). The debt has changed hands a number of times (although same group of companies). just received the following claim form from Northampton Bulk Centre on behalf of Lowell Portfolio 1 from BW Legal (are they part of the same Group??). ‘The Claimant’s Claim is for the sum of xxxxxx being monies due from the Defendant to the Claimant under a Financial Services agreement regulated by the Consumer Credit Act 1974 between the Defendant and Equidebt under account reference xxxxx and assigned to the Claimant on 08/10/12 notice of which has been given to the Defendant. 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. The claim also includes statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8.00% per annum (a daily rate of 0.94 from the date of assignment to the date of issue () being an amount of xxxxx’ My questions are as follows: I am 99% sure that the last payment I made was in February 2008 and therefore the debt is over 6 years old and statute barred. However, checking my credit report it states the account was defaulted on 16/08/2008. Which date should I be using? If it is when the account was defaulted by the Company then surely all companies would leave their default notices until later periods. I have never acknowledged the debt to anyone. The account with Alliance and Leicester (now trading as part of MBNA I think), was opened in 1999 and I do not have a copy of the original agreement. The account reference they have used differs from the account numbers I have received previously (although any letters I had received recently from Lowells went straight into the bin!) The name on the form is my married name (I have since reverted to my maiden name). Also I have never had any dealings with Equidebt apart from a letter from MBNA informing me that they have assigned my account to Equidebt (did they not go into administration some time last year?), who must have then sold the debt to Lowells, who moved it to Red and then Hamptons and then to Lowells Portfolio (so confusing!!!!). I am going to defend the case on the basis that the debt is statute barred but need to know what information I need to try and obtain for my defence (e.g. copies of the original agreement, etc) and who do I request this information from. I am quite sure that as the account was opened pre-2000 that they will not have a copy of any signed agreement. I also strongly believe that this is a last ditch attempt by Lowells to try and scare me into obtaining the money as I have completely ignored their letters and messages in the past and they know that if I do not defend it they will get a judgement against me which they can chase me for any money. Any help greatly appreciated.

I guys need some help been sent a claim form from Northhampton CC on behalf of Lowells Portfolio Ltd and Bryan Carters Solicitors regarding a debt we have no knowledge of, seems a bit cliché but we actually do not know how we have this debt. Out of the blue we had a letter two days ago regarding their intentions and then voilà the claim for arrived. I have dealt with debt agencies before but never has the happened so fast, I really need some help and advice on how to deal with this, Thanks

Hi all, Just received some county court papers from Northampton CC filed by Bryan Carter about a debt Lowells bought from a 3 year old HBOS credit card. I used the cag forums a few years ago to get a claim from BC thrown out of court due to lack of proof of the debt but my memory isn't as good as it used to be and I wanted to double check to see what i should be doing. First thing I plan on doing is sending a CPR 31 request to Brian and secondly acknowledging through MCOL whilst I work on a defence. Is there another letter I should be sending out to either BC or Lol's in the meantime? Kind Regards

Hi guys just looking for some advice, I just have received a litigation letter from Bryan Carter courtesy of Lowells debt recovery telling me I will be receiving a county court letter within 48 hrs. The claim is apparently for an old phone contract with 3 mobile. The letter claims i owe £297, However I also received a letter from lowells a few days before stating the amount owed is £220. I had thought the old contract was closed long ago and any previous letters for the debt must have been sent to my old address where the contract was registered. I opened a noddle credit check account to see and it states that the default amount was only for £50, surely such additional charges are illegal? Just wondering what to do next, i have never had to deal with such things before. I would have happily payed £50 if i was aware, now £297 seems ridiculous.

Hello all I am having a dispute over a loan that was last acknowledged in 2006. Last year i started to get letters from Lowells saying i owed close to 7k. I sent them a statute barred letter and noticed a default was put on my account in the August of last year by Lowells. I have now been receiving letters every couple of months from Lowells saying We're looking into your query... blah blah blah Then today i received a letter dated the 16th of may saying We have replied to your query we wrote to you recently with answers to your query and we can now sort out a payment plan. I called them to tell them i had not received the reply. I didnt go any further or be dragged into any conversation other than to ask them to resend the reply as i had not received it. they said they would resend the reply which was dated the 2nd of may, and guess what? i had 14 days to reply ! isn't that quite the coincidence. I am now awaiting their reply to my query, which i am guessing is some sort of dodgy payment i have never made ( I have heard they use this tactic ). I guess I am just wondering what my next step should be? I thank any of you that take the time to look at this for me. Collins1983

Hi guys lowells at it again this is a seperate account , i had a current account with lloyds tsb they charged me £5 a month for this can't remember why now. and they also charged me for not having sufficient funds in for a direct debit , foolishly i just left the account ignored all letters and it defaulted in 2009 lowells have picked it up and they are requesting payments of £578 all of which will be made up of bank charges , do i just ignore this too r ask what the charges are

Hi, My son has had a number of threatening letters regarding a '3 ' phone contract, they(lowells) reckon he owes £446, he said the debt was originally for £90, they have obviously sold it on to 'Lowells'. He has just had a letter saying they will half the bill if he pays it all at once, but I think they will only take it in instalments for the full balance! He is worried it will affect him getting a mortgage, he says 3 did not replace the phone he states was damaged. Any advice? Should he offer to pay the reduced amount in instalments? Cheers

Hi, I've just received a Northampton Court Claim Form for a debt owed to Lowells/Bryan Carter. This debt is about 7 years old - in fact I'm not sure who the original credit agreement was with. I set up nominal payment agreements with all my creditors about 5-6 years ago, which I am still paying (£1 a month). However lowells arent on the list, and they bought the debt off another DCA on 28.06.13. I assumed that if they bought the debt, then they also bought the payment arrangement by default. I have consistently thrown away all DCA correspondence unopened, assuming my payment arrangements were in place and sufficient to avoid court proceedings. Putting aside the questionable wisdom and maturity of my behaviour in dealing with this, does anyone have any advice on how to proceed I can't pay the amount owed and I'm hoping I can somehow contest this on a technicality, and not admit to the debt. Or to argue that I'm still sticking to the original payment arrangement, and it's not my fault if they're not receiving it. I've looked at the threads on here with the legalese and templates and stuff, but I can't make head nor tail of it all! If anyone has any idiot proof advice for dummies I'd be hugely grateful.

Hi, Lowells have been pursuing a debt they have bought. I sent a 'prove it' letter with my pound postal order. After waiting the 12 working days, i had received nothing other than ' We're still looking, Bear with us' letter. I then sent the failure to respond to my legal request letter and account has entered default. Both templates i copied from here. Since then i have had two 'Still looking' letters, and this week they sent one saying that it has been 8 weeks since they received my 'complaint' ?? but they are still gathering the necessary information. They also include a little booklet from The Financial Ombudsman Service, should i desire to escalate my complaint. My first request was dated 18/2/14 and the default letter dated 6/3/14. Now, on checking my credit file on Noddle, i can see a default from Lowells dated 22/4/14 , some time after my second letter. Can this be correct?. I have also been searching for a template letter to request the removal of the default from my credit file. Incidentally they haven't returned my postal order yet. Many Thanks

just wondering had one of their letters last week and phone calls started tonight. had letter last week with a letter from 3 mobile saying they have sold a debt for a mobile bill. all my mobile bills was paid and it was in 2007 when they changed the network and my service became none usable. they agread to terminate a fairly new contract and not hold me for the reminder contract so was billed and all paid up. i get a bill from lowell saying i owe £54.40 and was going to ask them to prove it until i got my phonecall of them tonight. womman would not refer it as in dispute and wanted me to prove on the phone that they where wrong etc. i said its in dispute and if anything stat barred wich she replied no it aint and their pursuing. they recon three mobile did not have my address well thats untrue they also had my phone numbe r and was never billed or even sent anything i have a new dongle contract with them thats not working due to bad signal and that will be took up on over the next week or so. in the letter from lowell they said they brought the debt in 04/03/2011 so does that restart the clock on the stat barred.

Can any one offer any advice RE statutory demand which has been put through my letter box, it is for a credit card debt 3500 , i last made a payment on this card in december 2006. i failed to make payments after that date, i do not know what to do now . any advice would be greatly apreciated.

Hi all i've been getting letters regularly from Lowell regarding a capital one credit card debt (for approx. £240) i've ignored all letters from Lowell ,i now recieved a letter ,with a somewhat hostile tone from "RED debt collection services" who claim to be "the debt collection division of Lowell Financial Ltd" It states my "account" is overdue and i should pay now . (I have never had an account with Lowell or this division of lowell) The main bulk of letter is contained in this; "Dear Mr Norman We specialise in assessing accounts for litigation and will be obtaining a copy of your credit file in order to review your financial circumstances and the information within it will help us determine the best way to recover what you owe." "If you do not repay what you owe you could risk legal action being taken . We may decide to apply to the county court for a Judgement (CCJ). If we are succesful in obtaining a CCJ and you still do not repay, depending on the amount you owe and your circumstances , we could then apply to secure the debt against your property, or to deduct the amount directly from your earnings. Alternatively,we may ask a court for a baliff to remove goods from your house to the value of the debt" (They're barking up wrong tree ,i live in rented accomodation i'm unemployed and own nothing to take.) I haven't been able to get the funds together yet to request sars from my original creditors ,so who do i send a cca request to here please? Lowell or do i just respond to this letter direct from Red? Thanks Norman ps; i have wondered if i should apply for a dro as my situation isn't improving ,but i don't want to waste £90 if all the creditors aren't going agree to it.

:-xHi Can you help? I have recieved a statement from Lowells, stating I owe money due to an old Natwest Account. This has arrived shortly after a letter arrived from NAtwest and a letter stating they sold my debt to Lowells on 30/12/2010. I got the letter 20/10/11. Silly me called Lowells stating I know nothing about this . They told me the account was opened in October 2002, and defaulted in dec 2005. I never got any letter from Natwest chasing me and I think this has been sparked cos I opened a joint account with the recently. However I did state that I had another natwest account which isnt in debt so why would I have this, and they gave me a loan which I never defaulted on and the details they provided me with is not even my sort code. I told them I will deal with them no further until they have produced a credit agreement and not one they will cobble together, with my signature on it, and until then they write only. but the 6 years is almost up so Im lost what to do?

I received this letter today from Lowell exactly 1 day after another letter was received. Claim Form Claimant: LOWELL PORTFOLIO I LTD RE: LOWELL FINANCIAL LIMITED REGISTERED OFFICE ENTERPRISE HOUSE 1 APEX VIEW LEEDS LS11 9BH Address for sending documents and payments (if different) BRYAN CARTER SOLICITORS LLP 11 DE HAVILLAND DRIVE WEYBRIDGE SURREY KT13 0YP Particulars of Claim: THIS CLAIM IS FOR 577.00 THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT TO PROVIDE FINANCE AND / OR SERVICES AND / OR GOODS. THIS DEBT WAS ASSIGNED TO / PURCHASED BY Lowell Portfolio I LTD ON 23/11/2011 AND NOTICE SERVED PURSUANT TO THE LAW OF PROPERTY ACT 1925 PARTICULARS Re: O2 (UK) LTD A/C No 1234567890 AND THE CLAIMANT CLAIMS 577.00 THE CLAIMANT ALSO CLAIMS INTEREST PERSUANT TO S69 COUNTY COURT ACT 1984 FROM 23/12/2011 TO DATE AT 8% PER ANNUM AMOUNTING TO 97.91 AMOUNT CLAIMED 674.91 COURTS FEE 55.00 SOLICITORS COST 70.00 TOTAL AMOUNT 799.91 ----------------------------------------------------------------------------------------------------------------------------------------------------- Prior to this we have been sent letters from Red, Hamptons Legal, Moorecroft, etc As we are both on ESA due to my disability we are not entirely sure what this means and how a county court judgement would even have an effect on a couple who are already living below their means. Please advice on the next course of action. We have tried contacting Moorecroft and Hamptons about proof of the debt but rather foolishly we didn't send these via registered/recorded mail so there was no proof it was even received.

Hi, I had this form through a few weeks ago. (21st of Jan is date) Its a blue court form which I assumed was just another debt collecter spam mail thing. I've now found out differently and having looked up various threads here thought it best to ask what to do. Firstly I've never had a 3 Mobile Phone, Hubby has but this form is in my name so its likely the debt is incorrectly assigned or just wrong. Im going to defend via moneyclaim, do I go with the CPR letter requesting documents and put defense as awaiting documents as I have no recollection of this debt? Wording on the form is as follows:- I'm being a little vague to prevent them from Id ing me. This claim is for £300ish the amount due under an agreement between orig creditor and defendant to provide finance/services or goods This debt was assigned/ purchased by lowel on XX/XX/2011 and notice severed pursuant toproperty act 1925 Particulars Three mobile Account number : XXXXXXXXXXXX Claimant claims £300ish Claimant also claims interest pursuant to s69 county court act 1984 from XX/XX2011 to date at 8% per annum amounting to £50ish ************************** I know I only have days to submit defense what do I do?

Despite winning the set aside last year in the high court http://www.consumeractiongroup.co.uk/forum/showthread.php?367618-lowells-statutory-demand-**SUCCESSFULLY-SET-ASIDE-PLUS-COSTS-**-CHEQUE-RECEIVED-NOW-** it appears it has looped back to lowell portfolio ltd asking for payment or it will be passed onto lowell financial ltd ! they admitted in court that they were unable to produce any paperwork, didnt respond to cca request etc. i complained to oft etc. how is it best to deal with this guys, thanks

Hi Guys and Gals, Just a quick one :- Got an old Lloyds c/card debt from approx 2007/2008 , the card was initially taken out in 2002 and now the debt has been sold to Lowells, over the past couple of months had the usual assortment of letters but have just ignored them as the debt is not far off being SB. However on Friday got a new letter from them this time saying that they may now go down the route of a Statutory Demand and instructing solicitors etc. Im going to send a CCA request to Lowells and send a SAR request to Lloyds. Does anyone have an address to use for Lowells and for Lloyds TSB as the one on their letters is a PO box and i didnt think you could send recorded deliveries to PO Boxes. As usual any help, ideas or advice is greatly appreciated Gazbo

Dear all, hope I'm in the correct place for this post? Several years ago I had a barclay card and was made redundant. At the time I couldnt meet the minimum payments for this and an argos card. I called Barclay card and explained the situation and asked them to freeze interest etc till I got back to work. They refused and wouldnt accept any other payment. to cut a long story short it got passed to Mercers who told me to borrow from a family member. After loads of calls from them at all times of the day, I wrote to them to advise that I couldnt pay what they were asking and that if they wished to pursue they would have to take me to court where we could arrange a suitable replayment plan. Heard nothing back until a letter arrived to say they had sold the debt to 1st credit who then started to harrass me. Sent them a copy of the letter I sent to Mercers and advised them I would not be answering any more of their letters etc. Had a few chasing letters then nothing more. This debt has been sold on more times than I can remember but all of a sudden out of the blue 2 years later Lowells start writing every other day. From what I can remember I last made a payment to Barclaycard either at the end of 2007 / early 2008. They defaulted me June 2009. Lowells have tried every card they have at trying to scare me into paying. I have ignored every letter and they have sent letters from Red and their legal department Hamptons. I have lost count of the times they may take me to court etc. I received a letter recently from Hamptons to say at this time they have decided not to take me to my local court but will pass the debt to a debt collector who will personally visit me. I'm not scared of a visit as I will be keeping a bucket of water by the door. do you think that Hamptons realise they are going to find it difficult to get this money. They have offered me a 50% reduction as well. I'm aware of statue barred, but is this 6 years from last payment or 6 years from default. Seems strange they admit they are not going to take me to court, although by now they have probably found out I do not own my own home and I'm a stay at home mum supported by my partner. Incidently had Mercer accepted my initial offer as Argos did most of this debt would have been paid back by now. I cleared the argos debt 2 months ago.