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Lowell default removal from credit reference agencies

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  • Lowell default removal from credit reference agencies

    hi all,

    I am wondering if anyone has similar situation.

    Back in 2017 February default was added by Lowell. I still was paying to Very and Very never has informed they have sold my debt. 6 months later I received letter from Lowell stating to contact them which I did. Agreed to pay. Now is settled and closed however default sits on my account.

    I also noticed that Very did not close my account and I still had credit limit available. After spotting this I requested to close my account last month (August).

    Is there any way to request from Lowell to remove default? As Very/Shop Direct never added default in the first place and account remained open where Lowell was paid off?

    Any advise is much appreciated.

    thank you
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  • #2
    Hi there

    Can i double check if you failed to make payments to Very? and if so, did you agree a payment arrangement with them when you fell into difficulty? and did Lowells or Very give you notice that one of them may well add a default to your credit file?

    getting defaults removed can be tricky, so much depends on the individual facts of your case as to whether you can get the default removed or not
    I work for Wannops LLP . I give my free time available to helping other on the forum and would be happy to try and assist informally where needed. Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability.

    If you need to contact me please email me on Ptilley@wannops.com . My firms initial advice is always free.

    I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated.

    You can also follow my blog on consumer credit here.


    • #3

      Away till 25th May xx

      “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.”
      Hetty Bower

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