I seem to be in quite the similar situation to OP.
I received a letter from Lowell around a month ago and called to speak to them.
My account claiming I owe £323.33 for an account opened in 2009.
There are regular purchases and pay offs over the next 12 months and then didn't use them for a long time.
In 2012 I then logged into my account to make another purchase and suddenly noticed a huge balance,
not knowing any better I paid of some of the balance, covering the cost of the goods but was arguing about all the charges.
IIRC they actually dropped some of the charges at the time as they couldn't provide me with anything that said I agreed to them.
Around the middle of 2012 I remember getting a phone call from a debt collection agency who said I owed, at that time, about £200 to Premier Man.
I again said I was happy to pay it if someone could show me what or where I had agreed to those charges.
I think I got a generic copy of the T&C but they were dated as 2012 and they couldn't provide me with T&C from when I signed up.
I've not used premier man since and I've moved house three times since then but
last month got a letter from Lowells saying I owed £323.
I dont have that kind of cash so I called them and spoke to them.
I explained the above, Premier Man couldn't provide me any details,
the other agency couldn't provide me any details
but if Lowell could provide me details I'd gladly pay it.
At that point the girl on the phone said if I paid her £150 there and then they would wipe off the debt completely.
Had it been right after payday I might have done it but, again, I dont have that kind of cash laying around.
I told her the same thing, get me a copy of the T&C, something showing I'd agreed to them and what the charges are.
Yesterday they've sent me a second letter saying my account is on hold until Premier Man provide my Credit Agreement but have provided a copy of my statement dating back to 2009
if I would like to get in touch to "propose affordable payments".
T he last transaction where I bought actual goods was in 2013,
more than 30 charges of £12 "admin fee" and some months
- january and february 2013 for example
- I've been charged the admin fee twice.