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debt been sold to Lowell debt agency - advice please?

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Hi,
A few days ago I received a text from Lowell informing me I must contact them immediately. I know this is an old store card debt which I defaulted on last year (Experian shows defaul listed), and I figured this would happen sooner or later. Can someone offer advice about what I should do? I am probably now in a position to make a full and final offer. Should I do this? How much of the original debt will they be chasing, the full 100%? Also, if I don't make payments stratight away will they add charges?. Also, I have moved out from my house and they don't have my new address, just my mobile number. My post is redirected but I haven't received any letters from them or the original store card.
Can anyone offer some advice on how I should progress?
Many thanks
T

Comments

  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Ask them for a full and final, then negotiate it and pay it.

    Then you dont have it to think of ever again.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
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