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Hello All
Firstly, many apologies if this topic has been covered before.
Background, I became aware about a year ago that there was a default on my Credit File.....my error, but settled it in full immediately (issued in Feb 2009, settled Mar 2010).
I Was reading about getting defaults removed, as I want to move home in the not too distant future, so I wrote to Lowells asking for a copy of any default notice, as I wasn't aware of having one.
I've had a reply today saying that as the amount owed was for a Mobile Phone (with O2) there is no Credit agreement, only a service agreement, therefore Mobile phone companies do not issue Defaults, so there is no paperwork to send me.
Therefore, how can I be showing a default, and if there is no paperwork to prove a default was issued, shouldn't I be able to get it removed?? Lowells have a very bad reputation, so any help and technically correct legal letter etc would be great.
Thanks for reading, any help would be greatly appreciated
Firstly, many apologies if this topic has been covered before.
Background, I became aware about a year ago that there was a default on my Credit File.....my error, but settled it in full immediately (issued in Feb 2009, settled Mar 2010).
I Was reading about getting defaults removed, as I want to move home in the not too distant future, so I wrote to Lowells asking for a copy of any default notice, as I wasn't aware of having one.
I've had a reply today saying that as the amount owed was for a Mobile Phone (with O2) there is no Credit agreement, only a service agreement, therefore Mobile phone companies do not issue Defaults, so there is no paperwork to send me.
Therefore, how can I be showing a default, and if there is no paperwork to prove a default was issued, shouldn't I be able to get it removed?? Lowells have a very bad reputation, so any help and technically correct legal letter etc would be great.
Thanks for reading, any help would be greatly appreciated
