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First of all Hello to all of the members of this Forum. I just joined this forum because of an issue
Issue is I had a default with Halifax £597 only. History of which is
I was not in the country at that time was away for a year and when i came back i find out my accounts have been blocked.
To be honest i didn't bother to find out the reasons and went to the other bank and opened a new account. So i don`t know what that debt is all about.
Some months before i checked my credit file and find out that i have default on my file from Halifax (which was showing as settled) and than another default from Lowell. So through Noodle i opened up a dispute that why there are two defaults on my File.
So they raised the issue with Halifax and Lowell, as i asked them there should only be one default. so Halifax removed their default and Lowell refused to do so.
I would like to mention i am a lazy person and didn't really bothered about it up till now had other things to worry about in life.
But now i have checked again and find out that the default should have been registered on the original date by lowell which is 2011 but they have wrongly defaulted it in 2014. Last month i raised the issue with Noddle and disputed the date of default in response they sent me a letter claiming that default date is right and for further need to contact Lowell.
But before contacting them i want an advice should i contact them over the phone or NO?
what should be the way forward?
Is it possible to actually dispute this with HALIFAX? to explain the default as i only had current account with them.
this question my have been asked previously so my apologies for not going through the form for this.
Please help me out.
Issue is I had a default with Halifax £597 only. History of which is
I was not in the country at that time was away for a year and when i came back i find out my accounts have been blocked.
To be honest i didn't bother to find out the reasons and went to the other bank and opened a new account. So i don`t know what that debt is all about.
Some months before i checked my credit file and find out that i have default on my file from Halifax (which was showing as settled) and than another default from Lowell. So through Noodle i opened up a dispute that why there are two defaults on my File.
So they raised the issue with Halifax and Lowell, as i asked them there should only be one default. so Halifax removed their default and Lowell refused to do so.
I would like to mention i am a lazy person and didn't really bothered about it up till now had other things to worry about in life.
But now i have checked again and find out that the default should have been registered on the original date by lowell which is 2011 but they have wrongly defaulted it in 2014. Last month i raised the issue with Noddle and disputed the date of default in response they sent me a letter claiming that default date is right and for further need to contact Lowell.
But before contacting them i want an advice should i contact them over the phone or NO?
what should be the way forward?
Is it possible to actually dispute this with HALIFAX? to explain the default as i only had current account with them.
this question my have been asked previously so my apologies for not going through the form for this.
Please help me out.
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