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  1. Evening all Had a few lovely threatograms from Lowell Group regarding a Mobile Contract claiming just over £200.00 and have ignored them. Having checked Credit Reference Agencies etc I concluded that the debt was frivolous and nothing to do with me at all (No entries from the Lowell Group and no entries from that mobile company either) Oddly enough I have accounts with the Mobile Company they sent the letter from which are all being serviced correctly (Including one I have a credit balance on) So I sent Lowell an email basically asking them to "Prove it or do one!" H
  2. Hi, When a credit card company for example, register a debt with a credit reference agency they surely have to prove in a legal fashion that a debt actually exists. I assume that the credit card company could not register a debt without proof as they could claim anyone has a debt without it. As far as I'm aware the only legal document that proves the existence of a debt is a CCA that was signed at the time of opening the account. Could I not challenge Experian to prove that a CCA was produced in order to prove that I owe what they sat I owe? Can this be done by a Statutory access re
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