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Hi,
Through my own stupidity in not properly sorting my finances out back here on a stint living abroad, I defaulted on a credit account back on 2017. When I arrived back in the UK to find my direct debits had failed and the unopened letters with default notices from the original creditor (Shop Direct). I quickly rectified this and settled the balance in full. By this point, it had been passed on to Lowell to collect the Debt.
I noticed on my credit report recently this still wasn't marked as satisfied despite me settling it 3 years ago, so I contacted Shop Direct to rectify this. Shop Direct responded to me saying they had sold my account on to Lowell (which I did know), and they were no longer reporting on my debt, in fact they had arranged for it to be deleted. I contacted Lowell about this, because surely if the original creditor has requested the default be removed from my file, they shouldn't be allowed to report on this? Lowell are arguing that Shop Direct deleted their entry to allow Lowell to report instead, but can they do this?
It just seems strange to me that Shop Direct are happy to delete the entry, whilst a CRA is still reporting on it. Do Lowell need to issue me a separate default notice in order to do this?
Through my own stupidity in not properly sorting my finances out back here on a stint living abroad, I defaulted on a credit account back on 2017. When I arrived back in the UK to find my direct debits had failed and the unopened letters with default notices from the original creditor (Shop Direct). I quickly rectified this and settled the balance in full. By this point, it had been passed on to Lowell to collect the Debt.
I noticed on my credit report recently this still wasn't marked as satisfied despite me settling it 3 years ago, so I contacted Shop Direct to rectify this. Shop Direct responded to me saying they had sold my account on to Lowell (which I did know), and they were no longer reporting on my debt, in fact they had arranged for it to be deleted. I contacted Lowell about this, because surely if the original creditor has requested the default be removed from my file, they shouldn't be allowed to report on this? Lowell are arguing that Shop Direct deleted their entry to allow Lowell to report instead, but can they do this?
It just seems strange to me that Shop Direct are happy to delete the entry, whilst a CRA is still reporting on it. Do Lowell need to issue me a separate default notice in order to do this?