Lowell portfolio? help!

mikeyandsheila

Ive just received my Equifax credit report and on it it has one from Lowell portfolio for a sum of £697. Its says credit card next to it, I have no idea what this is as it dates back to 08/2002. I have tried finding phone numbers for them in order to find out what this debt is but i cant get a contact number anywhere. Can anyone help? What can i do, im trying to get my credit report clean

smudgemanc26

Have you tried looking on the web for this company see if it brings anything up or some contact details?

mikeyandsheila

yep tried that, all i get is forums complaining about them lol. I need to know what it is so that i can clear it. i have found an address but its only a po box, surely if they are a debt collection agency, they would have a phone number?

angelavdavis

Could it be a credit card debt that has been sold on?

Might be worth staying put and seeing if they find you first. It will be statute barred next year and will disappear from your Experian report then.

mikeyandsheila

ive also found out that ive had £2000 in over payments from benefits away back in 1998!! thay are wanting it all back! I begining to wish id never started this lol.

rayday2

http://www.esd.informationcommissioner.gov.uk/esd/DoSearch.asp?reg=3193522

They are a DCA. This is all I could find an address they seem to deal with all sorts of people from T Mobile, HSBC quite a big company

mikeyandsheila

cheers, at last thats better than just a po box. I might just hold out then and see if it gets taken off next year. so much debt!!!

mikeyandsheila

guess thats what i get for sticking my head in the sand!

rayday2

Yes my thoughts were hang on you have not heard from them don't poke them!

angelavdavis

They might still try to pursue the debt even if it is over 6 years old, so brace yourself for that one in case. There is advice on here or on www.nationaldebtline.co.uk that helps with letter templates, etc.

mikeyandsheila

Cheers, think im gonna need all the help i can get lol