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Hi Everyone,
i have been trying to get a a default removed rom my credit file that started out as £12 that i did not realise was outstanding. The debt has been paid in full once i found it on my credit file (£67).
Lowell have placed a default on my file and i sent an email to get further information and to ask for its removal.
I have received the following from them, how can i now progress?
Good morning,
Thank you for your email.
Lowell reference 128719028
We acknowledge receipt of your correspondence.
We note all your comments and have investigated the matter.
We note that you state that we are in breach of Section 87(1) of the CCA 1974 and that you received no such default notice for the account . The default notice is a one off document that is issued by the original creditor at the point when the borrower ceases to pay the required predetermined payments. As your dispute is in relation to the adding of the default in the first instance and therefore existed prior to sale of the account to us, then it would remain the responsibility of the original creditor to resolve. Therefore, any issue that you feel that you have in this respect would need to be addressed by the original creditor and not Lowell.
We are not prepared to remove any default registered with the credit reference agencies in respect of this account as we consider that this data remains correct and accurate. This information will remain on your credit file for a period of 6 years from the date of default.
The account has been paid in full and now closed and therefore you have accepted liability of the account.
Should we receive any similar correspondence from you regarding this account, we will not be providing a response. If, however, you do have any specific questions regarding the content of this email, please do not hesitate to contact us.
Kind Regards,
Colette
Customer Services, Lowell Group
Email: post@lowellgroup.co.uk
Phone: 0333 556 5733
Opening Times: Monday - Thursday 08:00 to 20:00, Friday 08:00 to 19:00, Saturday 08:00 to 14:00
Website: www.lowell.co.uk
Many thanks in advance for taking the time to help!
- - - Updated - - -
also the default on my credit file sits under Lowell i don't actually know who the original creditor is for sure
i have been trying to get a a default removed rom my credit file that started out as £12 that i did not realise was outstanding. The debt has been paid in full once i found it on my credit file (£67).
Lowell have placed a default on my file and i sent an email to get further information and to ask for its removal.
I have received the following from them, how can i now progress?
Good morning,
Thank you for your email.
Lowell reference 128719028
We acknowledge receipt of your correspondence.
We note all your comments and have investigated the matter.
We note that you state that we are in breach of Section 87(1) of the CCA 1974 and that you received no such default notice for the account . The default notice is a one off document that is issued by the original creditor at the point when the borrower ceases to pay the required predetermined payments. As your dispute is in relation to the adding of the default in the first instance and therefore existed prior to sale of the account to us, then it would remain the responsibility of the original creditor to resolve. Therefore, any issue that you feel that you have in this respect would need to be addressed by the original creditor and not Lowell.
We are not prepared to remove any default registered with the credit reference agencies in respect of this account as we consider that this data remains correct and accurate. This information will remain on your credit file for a period of 6 years from the date of default.
The account has been paid in full and now closed and therefore you have accepted liability of the account.
Should we receive any similar correspondence from you regarding this account, we will not be providing a response. If, however, you do have any specific questions regarding the content of this email, please do not hesitate to contact us.
Kind Regards,
Colette
Customer Services, Lowell Group
Email: post@lowellgroup.co.uk
Phone: 0333 556 5733
Opening Times: Monday - Thursday 08:00 to 20:00, Friday 08:00 to 19:00, Saturday 08:00 to 14:00
Website: www.lowell.co.uk
Many thanks in advance for taking the time to help!
- - - Updated - - -
also the default on my credit file sits under Lowell i don't actually know who the original creditor is for sure
