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Multiple accounts

I wrote to Lowell offering a full and final on an account they came back to me with an offer of 40% off however they have said they hold a further 3 accounts which requires payment also!

One I can say was mine from 5 and half years ago but the others must be that old they arnt even on my credit report? They said one is with their agent at Scotcall so I'm worried someone will come out!

Any advice x

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