LOWELL SKY DEBT Help

[sandman13]

Hello,

I am urgently seeking some advice. I looked for a post with a similar issue and found the below:
https://legalbeagles.info/forums/for...owell-sky-debt

I have been attempting to build my credit history with a view to applying for a mortgage in 2020 and received a letter from Lowell Financial requesting that I set a payment plan up for a Sky debt totaling £116.81. The Sky account number was provided.

The debt is several years old and the account was taken out on behalf of a family member who assured me the payments had been kept up and the account closed properly. It now seems that this was not the case.

I frequently check my credit file and there have been no defaults issued by Sky, nor any accounts with Sky. A bit of background reading on the above thread showed that Sky do not report to Credit File Agencies. I am able to comfortably pay this debt in full immediately, however, do not want a default to be added to me Credit File.

My questions are:
1. Will Lowell add a 'settled' default to my account upon my full payment, if Sky have not already defaulted?
2. What would be the best way the go about payment? In writing or by simply phoning Lowell to pay?
3. Are there any templates I can use if in writing is the best option?

I am trying to sort this out as soon as possible and tackle it head on with the best possible outcome for my Credit File. I am willing to simply pay the debt to make this go away. The above thread provides some good clarity but as this issue is of such importance to me, I really wanted to check the correct path forward.

Please help as your input is massively appreciated and will help to relieve a lot of stress!
Thank you all!

[glendale]

Sky hasn't reported debt to a credit agency so unlikely Lowell will ,you could offer a Full payment or be cheeky and offer say 50% ,your call really .
As it's a small amount that you can easily pay off ,might be best to just pay and move on .

If it was me i would go for the 50% off ,they can only say no .

[sandman13]

Thanka for that. Defintiely reassuring. I'll offer the full payment to just move on. Do you think it would be acceptable to do over the phone or best by writing to them?

Thank you again for your input-very much appreciated!

[glendale]

Up to you really ,assuming you have no other debt issues with them that you are worried about .
You could probably do it online as long as you don't mind them having your e-mail addy ,or just set up a throw away addy .

[sandman13]

Thanks again Glendale. I have no other debts with them so will settle imminently. I had resd a few things about dealing with such companies in writing vs. ringing up.
Do you think online banking would suffice?

Great idea on the email too.