<prompt> Human: I think I first realised this about two, three years ago. I received a letter from Lowell Financial saying I had an outstanding debt. I didnt know anything about it and asked my mum what it was. I cant recall the exact details but I think she said she paid for a catalogue using my name because she was in debt herself. She said shed sort it out.I thought it had been dealt with and the debt was cleared because I forgot all about it. However I kept on receiving letters from Lowell saying the same thing. I have an outstanding debt and theyd be forced to take legal action if it was paid off.But again I confronted my mum about it every single time I received a letter and she said she would sort it all out. The last time I received a letter was a few weeks ago.However today I just casually showed a facebook status to my fiancée about Lowell and how people shouldnt pay them because theyre not legally obligated to owe them anything, saying that whatever debt you have is with the first party and not anyone they may sell it on as I havent legally signed any documents with Lowell. Unfortunately my fiancée and her mum are in debt themselves. I was meant to move in with her in a couple of months and now I cant because they dont want the extra debt bringing into their house, even though its not my fault. Im really unhappy about this. I understand where theyre coming from, but I just feel like my life is over before its even began. Ive confronted my mum about this and she said she will pay it all off in the next few days. The problem is Im worried that it wont solve anything. What if comes back somehow after my fiancée and I have got married, where does that leave me?I wanna file a complaint with the company, but I dont even know the details of the debt. I dont know the account number, what Ive apparently bought, how much I actually owe and when it was taken out. I havent signed anything from Lowell or anyone else. I really dont know what to do anymore. I cant actually write to the DCA asking for proof that Im in debt because my mum said shes paying it off monthly which pretty much acknowledges that there is a debt. Im at the end of my rope now.  <response>: First thing you need to do is take control of your life and your finances. You need to find out what this debt is and how much it is as well as ANY other debt your mother might have run up under your name. Ostensibly, they are sending you letters that say what you owe. Open one up and have a look. You can also, go to your mother and get that information. If you cant trust what she tells you, another good place to get information is by running a credit report.With more information you can make informed decisions about what your are going to do about the issue. But you cant just ignore it. Take responsibility. Time to grow up. 