Hi
I opened a Littlewoods account in November 2010 and subsequently ended up not paying it around October/ November 2011 after losing my job The debt was passed to Lowell’s and I paid the debt in full in October 2013. I have tried to get littlewoods to give me the date I defaulted as its causing me a hassle to get a mortgage but they never gave me a straight answer just “ The account did default when it was with us due to payments not being received. We sold the account to Lowell for them to collect the debt . Once the account was sold to Lowell on 01.09.2012 the entry will show on your credit file under Lowell as a defaulted account. There should not be any entry showing for this account under Shop Direct. You state in a previous email that you have paid the account in full to Lowell and they should show this entry as being a defaulted account now satisfied.This will remain on your credit file for 6 years from default date. If you still dispute this information you can put it in writing to our Complaints Management Team”
I have asked Lowell for the default date and they have said the default date is 28th of August 2012. I have sent for my credit file but can’t work out when I stopped paying Littlewoods and then I have tried to work out when they would have issued a default. Or will they have. I think I read somewhere that they are not legally obliged to enter a default date. Could Lowell have added the default? really am confused and I have emailed Littlewoods but they don’t reply so I have used the site Resolver to put in a complaint but not had a reply as yet. Could anyone suggest anything, could this default date be correct? Thanks
I opened a Littlewoods account in November 2010 and subsequently ended up not paying it around October/ November 2011 after losing my job The debt was passed to Lowell’s and I paid the debt in full in October 2013. I have tried to get littlewoods to give me the date I defaulted as its causing me a hassle to get a mortgage but they never gave me a straight answer just “ The account did default when it was with us due to payments not being received. We sold the account to Lowell for them to collect the debt . Once the account was sold to Lowell on 01.09.2012 the entry will show on your credit file under Lowell as a defaulted account. There should not be any entry showing for this account under Shop Direct. You state in a previous email that you have paid the account in full to Lowell and they should show this entry as being a defaulted account now satisfied.This will remain on your credit file for 6 years from default date. If you still dispute this information you can put it in writing to our Complaints Management Team”
I have asked Lowell for the default date and they have said the default date is 28th of August 2012. I have sent for my credit file but can’t work out when I stopped paying Littlewoods and then I have tried to work out when they would have issued a default. Or will they have. I think I read somewhere that they are not legally obliged to enter a default date. Could Lowell have added the default? really am confused and I have emailed Littlewoods but they don’t reply so I have used the site Resolver to put in a complaint but not had a reply as yet. Could anyone suggest anything, could this default date be correct? Thanks
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