Default advice Please

[ste211270]

;Hi

Could anyone please give me some advice?

I had a Default on a 3g contract some time ago but paid in full so it was showing up

As settled on my Equifax credit report. it wasn’t showing at all on my Experian or

callcredit report. so then the Default went off my Equifax credit report as far as am aware

it did come of early but am not complaining I have since got a new 3G contract so

everything is cool there

But now LOWELL PORTFOLIO I LTD have put it on my Experian credit report can they do this :cry:

I have never had any letter of this company over this doubt.

also because according to LOWELL PORTFOLIO I LTD default date

mean it should not have come of my Equifax credit report till dec 2012 can this be put back on my report

Company name: LOWELL PORTFOLIO I LTD
Account type: Communications
Started: 02/06/2005
Default Balance : £189
Current Balance : Satisfied
Defaulted On : 01/12/2006
File Updated for the Period to: 24/10/2010

update just checked my Equifax credit report and they have also put it on there this is wrong surely
as I have already stated this default has been and gone of my report

Communications Supplier from Lowell Portfolio 1 Ltd (I) / XXXXXX7094
Name xxxxxx Date of Birth xx/xx/xxxx
Terms 0 @ £ 0 (Monthly) Status Settled
Current Balance £ 0 Start Balance £ 0
Credit Limit £ 0 Default / Delinquent Balance £ 0
Start Date 02/06/2005 Date Updated 25/10/2010
Date Last Delinquent Date Satisfied 01/12/2006



Any help or advice would be appreciated

Regards ste

[Angelic]

Re: Default advice Please

Hi Ste,

Welcome to AAD!

Hopefully this linky will help you a little -

viewtopic.php?f=55&t=38

[ste211270]

Re: Default advice Please

hi

thanks very much for that

cheers ste

[Angelic]

Re: Default advice Please

No bother! 2

[swanfan]

Re: Default advice Please

Hiya Ste

I've edited your first post as you left personal details in there. k

Swanny

[ste211270]

Re: Default advice Please

hi swanny

sorry about that

cheers ste

[swanfan]

Re: Default advice Please

No problemo 2

[Angelic]

Re: Default advice Please

Hiya Ste

I've edited your first post as you left personal details in there. k

Swanny

Thanks Swanny ;K7

[Never-In-Doubt]

Re: Default advice Please

Hiya the way it works is the official default date should be maintained at all costs so the default date was 01/12/2006 and lowell have obviously updated their records to include it meaning it will still be removed in 2012 - notice they have correctly added the right default date....

Basically on Jan 2013 all entries will be removed from your credit file in relation to this account. have you though, EVER dealt with or heard from Lowell about this debt? Who did you pay when you owed it? We can try and get it removed, depends how you answer the above - also if you have other debts, maybe UE debts? Then this default will not matter so i'd forget it cos it's only got 2yrs to go anyway......

Niddy.

[ste211270]

Re: Default advice Please

Hi Niddy

Thanks for reply no mate I have NEVER had ANY letters or heard from Lowell about this debt EVER . the first time I called them they said it was September they Bought this debt and when I called the second time it was august of this year.

I paid 3g myself over the phone back in June of this year total £189.29 they already know there is no debt left can’t See how a debt company can buy a debt that does not exist???? Also I thought once a default comes Off your credit report it cant go back on ????? I have no outstanding debt

how can I get them to remove this information from my credit report which as far as I can make out they had no legal right to place it there in the first place????

I will copy what info I have mate below edit post as you see fit


Thanks in advance for any help or advice you can give. I myself would like to threaten them with legal action

Cheers ste


07/10/2010 - Credit Agreement New/Deleted

There have been changes to the following Credit Agreement in your credit file.

Deleted Credit Agreement Summary
Company Name Account Type Account Number
Previous Information HUTCHISON 3G UK LTD Communications Supplier xxxxxxxxxxxx



28/10/2010 - Credit Agreement New/Deleted

There have been changes to the following Credit Agreement in your credit file.

New Credit Agreement Summary
Company Name Account Type Account Number
New Information LOWELL FINANCIAL LTD (I) Communications Supplier xxxxxxxxxxxxxx

[Never-In-Doubt]

Re: Default advice Please

Hiya

Ok you really need to be contacting the original creditor and arguing with them that they are selling a closed account, which resulted in an unlawful default being registered and remind them that as they appointed the 3rd party, they are ultimately responsible for the DPA breach....

So try the lender first, then you send a copy to the CRA's and finally you complain to the ICO about both the original creditor and lowells......

Its a boring slow process, but you can get there. ;EEK 2

[ste211270]

Re: Default advice Please

Hi
thanks very much for advice

cheers ste

[Never-In-Doubt]

Re: Default advice Please

[pentacle2008]

Re: Default advice Please

hi
ive been having the same problem with LOWEL they have placed a default on my file with out notifying that this was going to be there action is this legal ... HELP

ben

[LooLoo]

Re: Default advice Please

Hi Ben and welcome, so that your posts do not get lost on someone else's thread - it maybe be an idea to start your own thread and give as much information as possible on your case so then the right advice can be given to you.

Just click on the new thread button and away you go.

If you have any problems just let us know

good luck

LL