Afternoon Folks, I have today received a letter from Red DCS regarding an old HSBC account (£275.47 owing) and that they are 'Giving your account details to Hamptons Legal'. I changed banks from HSBC to Natwest back in February 2003/2004 after I went through a stupid period when I was 18/19. Having checked my credit file, this defaulted and passed to (The lowells mix of f00ls) in February 2005 so is SB. I have never responded to any letters from any DCA's. Am I correct in saying that all I need to send a SB letter or a CCA request?. Also is it worth sending a SAR to HSBC as I have a sneaky feeling the amount requested is charges that can be reclaimed. Many Thanks. C.G.

I have been having some trouble with a past debt from 3 mobile, I have looked through lots of threads to find out what to do, however most of the advice has gone over my head. The original debt was with 3 mobile 5/6 years ago for a cancelled contract and was sorted with Moorcroft (who I believe are 3's in-house comapny?) This was paid off however some time later I was contacted by red/lowell saying I owed a greater amount of money and they wanted paying. I refused to accept that owed anything, asked them to prove it (which they didn't) and proceeded to ignore the ensuing bombardment of calls and texts. This has gone on for a while, with them at some point finding out my address and then beginning to send lovely letters as well. On the incredibly rare occassions I have decided to speak to them I have asked for proof of the debt which I haven't received and have continued to ignore them. Recently Hamptons came on to the scene and then 10 days ago I received a letter regarding them persuaing a CCj. Whether wisely or not, I emailed them today continuing to deny acceptance of the debt and to ask for proof of both the supposed debt and the supposed charges. The original debt I was believe was for around £80 (paid off) and the current sum is in the region of £370. I was hoping that someone may be able to provide some idiot proof advice (and I mean idiot-proof) to me regarding this matter. Sorry for the long post but thought it best to give as much information as possible. Cheers, Josh

Hi, after getting a couple of letters from Lowell I did a little digging and found I owed some money from years ago for a car insurance policy, less than £150. Not sure why it was not paid, its that long ago. I duly ignored all the letters from Lowells and settled the debt online with the original creditor. They promptly refunded the full amount and sent me a letter saying to deal with Lowell as they have bought the debt. I owe the original creditors the money and dont see that I should pay the full outstanding amount (or even close to it) when they "bought" my debt and not with my consent, and not when the original creditor had never pursued me for the outstanding balance. So I continued to ignore their letters, Lowells letters turned to Hamptons and Red Debt in turn over the months. Everything went quiet for a few months and today I have a letter from Buchanan's. I plan to continue to ignore their letters base on my previous comment regarding the sale of my debt. Anyone else have any experience with this kind of situation and any ideas of the outcome if I continue to ignore the letters?