Lowell Help

debt202555

Hi , 
I'm new and was wondering if anyone could help me ,

Lowell just sent me an email and put 6 accounts they want me to pay ,

Only one of them is sitting on my credit report and I think the others as I'd never made a payment have not appeared on my credit file and are really old some maybe 10 years
,
The one that is on my credit file says no payment since 2021 , and it says even though it's 7 years old they put it as "defaulted 2020" 
So I'm thinking they are trying there best before it's 6 years and falls off my credit report 
So I'm not sure If I paid any of it ,

I'm at the point in my life where I am struggling paying back money I borrowed from family to get my dog surgery she needed and not working at the moment, 

I pay all of my direct debits on time , I want to better my credit score , 
Ive been battling cancer this last year and had a really stressful time and still am ,
Do you think I should reply to lowell and say I'll pay the one (that's on my credit report) offer them £10 a month ? Would that make my credit score better?

If so how do I go about replying to the email as they have 6 accounts on there ?

Really don't know how to approach this or what to do 

Any help is much appreciated 👏 

Grumpelstiltskin

Forget your credit score it's a made  up figure only you see, it's your credit report that counts.

Any default will stay on your credit report for 6 years ( assuming England or Wales ) whether it is cleared or not.

Do not reply to the E Mail and under no circumstances speak to them, wait till they send you a letter by snail mail and see what that says

fatbelly

That's what I was going to post. If it's important they'll write

Sounds like all but one are statute barred and the final one is heading that way

RAS

You need to avoid making written acknowledgement until this last debt is statute barred, if possible. If they write, please come back for advice.