P. Scott Lowery purchased account from MBNA charging consumer 14%interest on account. Denver Colorado

In February 2003. my MBNA account was written off as a bad debt. In an attempt to continue to pay on the account I was informed by a representive of MBNA that they no longer had the account. At that time the account was seriously past due. I was a business owner and the business was unsuccessful. Only one income was coming in for about six months. I was later contacted by P.Scott Lowery law firm and was told they would be collecting on the account. I set up payment arrangements with them.

The earliest date I have on record was 2-12-04. Persons whom I delt with were Tiffany Webber, Mr. Flemings, Mr. Oliver, Mr. Hooks, Amanda and Devon Fitch I requested that Tiffany Webber and Amanda not contact me anymore due to their rudeness over the phone. They both continued to call until I was able to speak with a supervisior.

I have been making monthly payments of $50-100 a month since that time and three years later my balance is around $5,000 more.

After a representive called my home, she managed to get my cell number from my daughter. She called me on my cell phone which angered me. I was asked by this individual if I wanted to settle my account. I have kept copies of the letters that the frim has sent me but none of the letters have a balance due. I preceeded to ask her what was the balance and it occured to me tht the balancing is increasing instead of decreasing. I was told by a representive on 7-3-07 that the account was acruding interest at 14%. Is this legal? Please give me any legal advice you can.

Tina
Houston, Texas
U.S.A.