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I had a default for an old catalogue debt, and was contacted by Lowell in 2018, I disputed the debt, but ended up setting up a payment arrangement with them for £10 a month just to resolve the dispute.
I recently got a copy of my credit file, and then saw that only £50 had been collected on the account, when checking my bank, I saw that Lowell stopped collecting under the arrangement, I had not cancelled the Direct Debit, nor heard anything from Lowell about the alleged debt.
I logged into Lowell using the online portal and there is no outstanding debt showing, so I disputed the default, and they replied via the CRA, and stated the debt is correct, and they will not remove the default.
What are your thoughts in this sort of instance?, I have issued a formal complaint to Lowell, as essentially 2 years of both time and payments where the majority of the debt being discharged have been lost due to their none collection, I have reasserted that I dispute the debt and have asked again for a S78 copy and for them to prove the debt.
I recently got a copy of my credit file, and then saw that only £50 had been collected on the account, when checking my bank, I saw that Lowell stopped collecting under the arrangement, I had not cancelled the Direct Debit, nor heard anything from Lowell about the alleged debt.
I logged into Lowell using the online portal and there is no outstanding debt showing, so I disputed the default, and they replied via the CRA, and stated the debt is correct, and they will not remove the default.
What are your thoughts in this sort of instance?, I have issued a formal complaint to Lowell, as essentially 2 years of both time and payments where the majority of the debt being discharged have been lost due to their none collection, I have reasserted that I dispute the debt and have asked again for a S78 copy and for them to prove the debt.
