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About a year ago, Ms First Class received a letter from Lowell about an telephone contract "debt" for about £500. She remembers taking out the contract about 3 years ago, and admitted that she probably defaulted on payment and just forgot about it until that letter arrived at her new address. Lowell produced a vague statement of charges for the mobile phone account, i.e. "January 2008 - £67", "February 2008 - £71" etc, with the final payment saying "Termination Fee £xxx". No breakdown of what the amounts related to. in November just gone, I discover these lett