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    • AFCDXB
    • By AFCDXB 11th Aug 17, 5:27 PM
    • 8Posts
    • 0Thanks
    AFCDXB
    Desperate for help - unfair default notice
    • #1
    • 11th Aug 17, 5:27 PM
    Desperate for help - unfair default notice 11th Aug 17 at 5:27 PM
    Dear all,

    I would appreciate your help on a matter. 5 years ago I had a default notice issued on my name by Lowell financial for a an outstanding debt they purchased from Orange of £29. I took out a mobile phone contract with Orange and changed ownership of the account to a friends name a few months later after taking it out. I then left the country and moved to Dubai. Somewhere down the line an outstanding amount of £29 came up, and Orange was sending letters to me (not my friend) in an address I no longer lived in. Things escalated and letters were sent, nobody received any communication until one day I got a letter at my parents home saying a default had been issued. As soon as I saw this I paid the ammount and me and my friend have, for many years been trying to resolve this with Lowell (Orange wont even speak to me about the account). Dealing with Lowel is very intimidating - I've had no luck at all to date. I've moved back to england and I want to buy a car - I can't take any finance out right now.

    My salary is north of £150k a year - my credit score is 725. It's the only red flag against my name and it's brutally unfair.

    I've tried speaking to the ombudsman who says they dont deal with these things - i feel hopeless. Can someone please help me - I am willing to hire a lawyer if you guys think I have a case. I'm 28 and this is crippling my life, I want to buy a house and a car and I cannot.

    Thank you
Page 1
    • BorisThomson
    • By BorisThomson 11th Aug 17, 5:51 PM
    • 374 Posts
    • 555 Thanks
    BorisThomson
    • #2
    • 11th Aug 17, 5:51 PM
    • #2
    • 11th Aug 17, 5:51 PM
    Do you not have savings to buy a car?

    Your credit score is meaningless. Have you actually applied for credit? Being out the country for several years is likely to cause more of a problem than a five year old settled debt.
    • Tarambor
    • By Tarambor 11th Aug 17, 5:55 PM
    • 1,319 Posts
    • 908 Thanks
    Tarambor
    • #3
    • 11th Aug 17, 5:55 PM
    • #3
    • 11th Aug 17, 5:55 PM
    The outstanding amount was probably your final bill. What usually happens is people prematurely cancel their direct debit and there's usually the balance of the last month's contract to pay. This would be your liability, not your friend's.

    In law they only have to write to the last address that they have for you which would most likely be the one you gave when you signed up for the contract so in that respect they have done nothing wrong.

    As for the credit score, as you're finding out they're worthless and mean nothing.

    The default will drop off your file 6 years after it was issued so you've probably not got long to wait until it disappears under the Statute of Limitations of its own accord.

    If your salary is north of £150k though and you're having to use finance to buy a car you've got some serious money issues going on. You should be able to buy one outright in cash.
    • sourcrates
    • By sourcrates 11th Aug 17, 5:57 PM
    • 12,175 Posts
    • 11,641 Thanks
    sourcrates
    • #4
    • 11th Aug 17, 5:57 PM
    • #4
    • 11th Aug 17, 5:57 PM
    Any complaints regarding credit files/defaults etc, must first be sent to the company concerned to resolve, they have 8 weeks in which to do so, have you sent a written complaint, if so have you had a final response ?

    If you've done all the above, you can then complain to the ICO (Information commissionaires office) here :

    https://ico.org.uk/

    But to be honest i wouldn't bother as the default will drop off your file next year anyway.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there, and delete spam.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
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    • Thrugelmir
    • By Thrugelmir 12th Aug 17, 12:24 AM
    • 55,530 Posts
    • 48,880 Thanks
    Thrugelmir
    • #5
    • 12th Aug 17, 12:24 AM
    • #5
    • 12th Aug 17, 12:24 AM
    I took out a mobile phone contract with Orange and changed ownership of the account to a friends name a few months later after taking it out.
    Originally posted by AFCDXB
    How was this change effected?
    "Wide diversification is only required when investors do not understand what they are doing." - Warren Buffett
    • patman99
    • By patman99 13th Aug 17, 11:37 AM
    • 8,056 Posts
    • 9,466 Thanks
    patman99
    • #6
    • 13th Aug 17, 11:37 AM
    • #6
    • 13th Aug 17, 11:37 AM
    Op it might well be that you have spent a huge amount of time outside the UK that is the cause of your credit problem.

    Try applying for a credit card and using it to pay for small purchases then paying off the balance in full each month. This should start to build you a credit rating in the UK.

    Oh, and I earn just north of £15k a year and can afford to buy a car without finance.
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