Hi all, I would first of all like to thank each and every one of you for the invaluable information provided. As the title of my post suggests, Tower and Global are back to their old tricks. My partner received a letter from Tower Investigations Ltd (based in Huddersfield) on 19/6/2012 and received a letter from Global Debt Recovery Ltd (based in Surrey) on 26/6/2012. I googled the account number stated on the Global letter and it turned out to be a Lloyds account he hadn't used for at least 8 years. The reference numbers on both letters are extremely similar (quel surpise!) Previous posts in 2011 have given the contents of the Tower letter and it is exactly the same now as it was a year ago. My partner tried to ring the Tower people (using 141) but thankfully I found the previous posts before he got through I would have liked to link to the previous posts so that anyone now dealing with these **** sucking bottom feeders can get more information but as this is my first post, I am unable to do so. Could one of you fabulous moderator people add links to the previous posts? Oh, I had a look at the Tower website and the useless coding they have thrown together makes the email link not work. Obviously a serious institution (I'm being sarcastic btw!) Many thanks for the amazing advice and support you give. Cozz

Help!! My problem concerns the above organisations. I have read lots of threads about them on your terrific site and would like to know what steps I should now take. The letter I had initially was from Tower Investigations with a London 0208 number but the head office was in Huddersfield. Its printed on cheap coloured paper in black and not very professional looking. It starts "We act on behalf of a client and are currently conducting an investigation in order to establish/verify information held"...in fact its the very same worded letter as elsewhere on this site. It then gives a Freefone number and a 0208 number. The one thing I have done, and now having read these forums I should not have, is telephone them. They told me they were acting on behalf of LloydsTSB and I had an outstanding unpaid loan that I took out in 1993. I dont even remember taking a loan out at this time, but when he mentioned my old address my heart sank. The loan was for 5 years (apparently) and in 1997 the marital home I shared was repossessed. My spouse looked after our finances and (yes a fool such as I) I had no idea of the financial mess we were in. The guy on the phone gave details of my old address, my parents address, the fact that lloyds spoke to my mum and sister Jenny (they knew her name) and that I hadnt rang lloyds back suggested that I had attempted to run away from the debt by not leaving a forwarding address. He even said they called my mum in 1997 and she told them i was on holiday in tenerife (which I was) and would call on my return!! I do not remember any of this and neither does my mum or sister . He said that Tower Investigations had been assigned the debt on 25 Jan 00 and had been trying to locate me ever since. Despite having my mums address for over 10yrs!! Some investigator he is!! He then went off on a 20 minute ramble saying this issue could be returned to the bank whereby they could then issue a court summons or worst case scenario imprisoned!!! because I had absconded from the debt!! Alarm bells began to ring with me because its just sounded like a scene on WATCHDOG. So I told him I would seek legal advice and speak to TSB to verify the facts. He wasnt very happy with this and suggested it was the worse thing I could do!!!!..More alarm bells!! After exactly an hour he told me he was going to write to me with the amount outstanding and I was then asked to respond with how I would settle the debt, and come to some arrangement. Really my point is.. If I havent settled this debt am I still liable for it. there is/was a ccj attached to it apparently. i cant remember his exact wording. The other thing is I found cjs on my file when i left my now ex wife in 2006 ( i knew nothing about these either..am i so naive!!)..anyway i paid them all off!! I now have a mortgage, which i got in 2008 and there was no suggestion of this debt then on the banks credit searches!! Surely this will have been flagged up! The demand came today from Global Debt Recovery. Again very unprofessional paper and unbelievable! What should I do? Am I liable for this debt still? Many many thanks