Morning All, I have been battling with Lowell for a few days now I am looking for a bit of advice. I'm not at all clued up on legal jargon so I'm not sure what to do next. In a nutshell, I'm a teacher just starting to think about buying a house. I've always paid off any contracts that I have and cancelled them under the 30 day grace period respectfully. Upon looking at my credit rating I noticed that it was horrendously low (503) I checked through Noddle why this was the case and Lowell have been defaulting two supposed debts... I have emailed Lowell asking what the debts are for the email states: Account Number Original Client Original Client Reference Current Balance Initial Contact Date 25* Three Mobile 9* £20.08 29th April 2013 15* Orange 7* £65.11 30th December 2013 The former Three Mobile account was opened on the 2nd April 2008. The client last receive payment for this on the 1st April 2011 for £20.08. The number associated with this is 0* the tariff was Broadband 5Gb (18/24 months). The balance is made up entirely of airtime debt. The former Orange account was opened on the 28th April 2009. The client last receive payment for this on the 7th March 2012 for £31.96. The balance is made up entirely of airtime debt. As you can see from the dates I have cancelled the contracts well over the 24months (I held them both for almost 3 years!) So when I cancelled I rung up and told them. I'm assuming they continued to bill me for an extra month. I asked for evidence of the Notice of Assignment. He has just forwarded two letters, not letter headed I might add with some glaring mistakes... This is the Orange letter: Dear Mr McGirr We hereby give notice of the assignment of the debt due to us (trading as "Orange") from you in respect of the balance of £65.11 outstanding on your account. On «ClientClRegdate» your account was sold to Lowell Portfolio I Ltd. It is essential that all future payments, correspondence or queries regarding this account be directed to Lowell Portfolio I Ltd quoting reference 1*. Contact Address: Enterprise House 1 Apex View Leeds LS11 9BH You'll notice the "On > as part of the letter... The second letter that was linked to the three account had the wrong address, four doors down. What are my next steps? I want this removed for my credit rating ASAP. it's 2008 !!! Thanks in advance, S

Good afternoon, I went down town today and when I got home there was an hand written letter on the mat no stamp so the person must have turn up at the house. When I opened the letter it was Statutory demand for a debt owning. The debt was from last August when my girlfriend of 36 years passed away sudden we had live together in the same house for 32 years lucky it was in both our names so after I had the mortgage changed to just my name. the debt is for her funeral costs of £2,851.55 plus other costs interest, debt recovery costs and recoverable commission bring it up to £3,734.97. some background Since OH died last August its been a really hard year for me it was just always just me and the OH I got not money when OH passed away not even from the government even though we were together for all those year we were no man and wife my biggest regret. I was signed off by the doctor with depression since then and I have been trying to deal with all on my own the only people I have spoken to in the last 10 months in the real world is my doctor and last week the lady at the job center the first time they had seen me in 10 months and she said I wasn't ready to go back to work yet. Since OH died the only money I have is the £138 a fortnight I get and I have to pay all the bills with that. I haven't got a clue what to do about this just rounds off a great year. Sorry if I went on a little bit but wondering if someone can give me some advice. thanks Dave