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Hello all -


Since updating my information on my experian credit file, I've now started receiving letters from Lowell about an old Capital One Credit Card.


I know the deal with CCAs so I'm planning on sending one off using the templates, however I want to include something about the fact that I've not actually seen a NOA and the fact that the majority of the amount they're asking for of around £900 is made of up charges (the credit limit on the card was only £300.


Is anyone able to help me with a couple of paragrapghs about the NOA and charges?


Help would be most appreciated =)

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