First time posting.
I want to thank this site and everyone on it!
Beginning of August I received a notice from CCBC that Lowells (via BWLegal)
were beginning court proceedings against me for ~£6500 (HFC Bank loan from mid 2007, defaulted 2008).
Lowell bought the debt in 2012 and re-defaulted it!
I had spoken to them shortly after explaining that I had tried to renegotiate my monthly repayments with HFC
but they outright refused and ignored all letters I sent their way
- loan was then defaulted June 2008.
Lowells apparently ignored all this and just sent bailiff