Marbles and Lowells ***SUCCESS***

[alwaysskint]

Re: Marbles and Lowells

Oooo Oscar! I had that very same letter just before I got the one that confirmed they couldn't get it due to the date the account was opened (2000), but if it turns up they'll contact me again - 'ermm yeah, ok, good luck with that...hope it's not before November this year when it becomes SB lol

[SPENTOUT]

Re: Marbles and Lowells

Lowells have writen saying they have requested my agreement and OC is attempting to retrieve it. If it cannot be found, they will tell me. Once I have this agreement I need to pay them in full (apparently)

Wonder why they dont say "if we cant find it you dont have to pay us squat"

Hi oscar

Now theres an idea is there a template pointing out such a fault in their letters.

SPENT

[Never-In-Doubt]

Re: Marbles and Lowells

Spent, it (template) can be arranged lol

[oscar]

Re: Marbles and Lowells

Another letter from Low life - and at the moment, a partial success of sorts.

OC is still looking in the archives for the agreement, they will get in touch when they have the agreement, and until they have the agreement, I wont hear from them again.

Heres hoping the agreement dont turn up!

[sam]

Re: Marbles and Lowells

Lowells have writen saying they have requested my agreement and OC is attempting to retrieve it. If it cannot be found, they will tell me. Once I have this agreement I need to pay them in full (apparently)

Wonder why they dont say "if we cant find it you dont have to pay us squat"

Lowells actually wrote to me saying that the OC had no CCA so I owed them no money at all :-) All in writting...

[MustGetStraigh]

Re: Marbles and Lowells

Lowells actually wrote to me saying that the OC had no CCA so I owed them no money at all :-) All in writting...

Wow. If only they would all do this!

[oscar]

Re: Marbles and Lowells

Lowells actually wrote to me saying that the OC had no CCA so I owed them no money at all :-) All in writting...

Did you write to them and ask to update your credit file with this fact - IE you owe no money and your balance is nil

[Never-In-Doubt]

Re: Marbles and Lowells

Did you write to them and ask to update your credit file with this fact - IE you owe no money and your balance is nil

LOL, as if! Don't give people idea's.....

Sam - obviously this is a joke, you cannot request removal of data - so don't bother asking!

[sam]

Re: Marbles and Lowells

No I didn't ask Lowells to remove the default but it was removed by them :-)
I can post the letter up if required?

[Never-In-Doubt]

Re: Marbles and Lowells

No I didn't ask Lowells to remove the default but it was removed by them :-)
I can post the letter up if required?

Bargain - don't argue if theyv'e offered and done it - well done. That is rare, however doesn't mean the next DCA won't take over the default....

Its one of those grey area's where the lenders/DCA's make rules up as they go along. So have you checked equifax and experian for its removal?

Excellent result by the way - nice one

[sam]

Re: Marbles and Lowells

Bargain - don't argue if theyv'e offered and done it - well done. That is rare, however doesn't mean the next DCA won't take over the default....

Its one of those grey area's where the lenders/DCA's make rules up as they go along. So have you checked equifax and experian for its removal?

Excellent result by the way - nice one

Yeah Nid checked it on Equifax and it's gone....
The debt is statured barred in 12 months too..

All thanks to your superb guide on the MSE forum :-)

Thanks again..

[Never-In-Doubt]

Re: Marbles and Lowells

Excellent result - is this your only "baddie"?

[sam]

Re: Marbles and Lowells

Excellent result - is this your only "baddie"?

Baddie as in debt?

I have the Egg one posted on here.
RBS mastercard
HFO (stayed)
Capital One/Robson way (no cca supplied since I asked in 2008 but they are getting heavy again so I will be starting a diary on here for that one soon)
And some finance one..
93 pound one from 3 mobile.

Can't think of anymore off the top of my head but probably more!

[Never-In-Doubt]

Re: Marbles and Lowells

Baddie as in debt?

I have the Egg one posted on here.
RBS mastercard
HFO (stayed)
Capital One/Robson way (no cca supplied since I asked in 2008 but they are getting heavy again so I will be starting a diary on here for that one soon)
And some finance one..
93 pound one from 3 mobile.

Can't think of anymore off the top of my head but probably more!

Ahh okies, so removal of that default won't really make too much difference then - that's why I was asking, ie would it clean up your credit file (obviously not)..... keep plodding on, you'll get there

[oscar]

Re: Marbles and Lowells ***SUCCESS***

*********SUCCESS********

Lowells have now written to me stating:

"After reviewing the account, we are prepared to take a commercial view in relation to this matter and as a gesture of goodwill and strictly without any admission of liability, we are prepared to close the account and write-off any outstanding balance."

WOO HOO!!!