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Lowell/Red

I am getting letters from Lowell/Red asking for an amount due to Abbey national. Abbey National refunded unfair charges to me about 3 years ago then proceeded to add charges on to my account after i had changed banks. I have told Lowell/Red this a number of times and they still insist on harrassing me - I informed them last night I will take matters futher - do I report them to Finiancial ombudsman?

I had asked lowell for proof of debt months ago and what they sent me clearly shows that Abbey National had refunded me then added charges. I am at my wits end - any advice would be great.

Thank you
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