Lowell Company & capital one?

martyn1

Hi all, today I recieved a letter from Lowell company saying i owe them a debt from a capital one credit card. It states in the letter that the debt itself was sold to Lowell in July'06. I remember years ago taking out the credit card, but was sure i had paid the debt off. At the time I had moved about alot, so had no contact with any companys etc and in the process I snapped the card and threw it away as I never wanted to use it again. By the looks of things there was still an outstanding debt on the card and Lowells are now saying I owe them £520. I want to check my credit history to see if the debt is statute barred (how would I do this), as I cant remember for the life of me when I took the card out. Because Lowells bought the debt, how much would they have paid on £520? and when does the begining of the 6 years come into effect, it wouldnt be when they bought the debt would it? If by any chance the debt is not statute barred, what would be the best form of action to take? Can I get this amount reduced? I got laid off couple months ago, so this is the last thing I want on my plate.
Any help would be most appreciated.
Thanks

thriftymomma

Order your credit files with experian and equifax as a first step. All the details should be there. If you have not looked before, both offer a free trial of their online servies but you can also order apaper copy for a few quid. Then do a search of this forum for other lowell stories and you will see what you are up against.