Tweet
Lowell not removing default on credit reference
Hi there.
I'm after some help. A while ago; out of the blue, i started getting threatening letters from Lowell claiming that i owed £2995 for an alleged credit card debt from Sep 2010. I checked my Credit Reference and noticed that a default had been set up approx 3 years ago for this alleged debt which has no doubt affected me with obtaining credit in the past. I had no recollection of this debt; so i after reading some advice on this forum, i wrote to Lowells to demand copies of the original agreement of this debt to prove that i was indeed me that owed it. I also asked them to remove the adverse Default and subsequent records from my credit file.
Today, i received a letter from them stating that they could not source the requested information and therefore, they would not be pursuing the debt. The letter now showed an amount of £0.00; so that's a start! However they went on to say that "We are required to record true and accurate information on your credit file, any default registered for this account will remain in place until at which time it is scheduled to come off; usually 6 years after the default was originally registered. So this is where i need some advice. They have acknowledged that they cant find proof that the debt is actually mine, but are refusing to remove the default for a debt that can't be proved is mine. How is this right? Surely if the debt cant be proved is mine, then the default should be removed otherwise i'm being penalised with an adverse credit score for a debt that doesn't exist. I obviously need to write again to them to put this to them, but i need help with writing a letter. Does anyone have any templates for this instance, or some legal quotes i can throw at them. I'm grateful for any help. This is the first time i've had to deal with anything like this; its caused me no end of stress and i just want them off my back and putting my credit score right. Oh, they state that they are required to "record true and accurate information on your credit file" If they cant prove the debt was mine, how is leaving the default on there, a true and accurate record? Anyway, thanks for taking the time to read this spiel! Any advice would be massively appreciated.
I'm after some help. A while ago; out of the blue, i started getting threatening letters from Lowell claiming that i owed £2995 for an alleged credit card debt from Sep 2010. I checked my Credit Reference and noticed that a default had been set up approx 3 years ago for this alleged debt which has no doubt affected me with obtaining credit in the past. I had no recollection of this debt; so i after reading some advice on this forum, i wrote to Lowells to demand copies of the original agreement of this debt to prove that i was indeed me that owed it. I also asked them to remove the adverse Default and subsequent records from my credit file.
Today, i received a letter from them stating that they could not source the requested information and therefore, they would not be pursuing the debt. The letter now showed an amount of £0.00; so that's a start! However they went on to say that "We are required to record true and accurate information on your credit file, any default registered for this account will remain in place until at which time it is scheduled to come off; usually 6 years after the default was originally registered. So this is where i need some advice. They have acknowledged that they cant find proof that the debt is actually mine, but are refusing to remove the default for a debt that can't be proved is mine. How is this right? Surely if the debt cant be proved is mine, then the default should be removed otherwise i'm being penalised with an adverse credit score for a debt that doesn't exist. I obviously need to write again to them to put this to them, but i need help with writing a letter. Does anyone have any templates for this instance, or some legal quotes i can throw at them. I'm grateful for any help. This is the first time i've had to deal with anything like this; its caused me no end of stress and i just want them off my back and putting my credit score right. Oh, they state that they are required to "record true and accurate information on your credit file" If they cant prove the debt was mine, how is leaving the default on there, a true and accurate record? Anyway, thanks for taking the time to read this spiel! Any advice would be massively appreciated.
