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    • bluenoze22
    • By bluenoze22 28th Jun 17, 12:35 PM
    • 27Posts
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    bluenoze22
    Default placed by Lowell - no idea about debt?
    • #1
    • 28th Jun 17, 12:35 PM
    Default placed by Lowell - no idea about debt? 28th Jun 17 at 12:35 PM
    Hi all,

    This weekend i checked my experian credit report after being declined a balance transfer credit card, i already checked my equifax report which showed i had an excellent rating so was confused as to why it was rejected. Anyway, when checking Experian, there was a £205 default from Lowell. I have absolutely no idea what it is for.

    After reading a few posts on this site, i thought i would add my story to this thread to plot the progress (if any). First thing i did was have Experian follow up with them, Lowell came back to say that the "Default is reporting correctly as satisfied."

    I'm still none the wiser...So yesterday sent an email their complaints address (complaintsresolution@lowellgroup.co.uk ) I have been polite and asked for information of the original lender so i can follow up with them if required.

    Not sure how long i need to wait on a response, i saw on another thread that they have 6 weeks before we can go to the ombudsman.

    Anyway, all advice welcomed!
Page 1
    • Candyapple
    • By Candyapple 28th Jun 17, 12:46 PM
    • 2,170 Posts
    • 1,667 Thanks
    Candyapple
    • #2
    • 28th Jun 17, 12:46 PM
    • #2
    • 28th Jun 17, 12:46 PM
    Have you checked your Call Credit file as well?

    The free versions to check your credit files are below:
    Experian: www.moneysavingexpert.com/creditclub
    Equifax: www.clearscore.com
    Call Credit: www.noddle.co.uk

    What date was the default applied? Can you not think back to what it might possibly be for?
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • bluenoze22
    • By bluenoze22 28th Jun 17, 12:59 PM
    • 27 Posts
    • 5 Thanks
    bluenoze22
    • #3
    • 28th Jun 17, 12:59 PM
    • #3
    • 28th Jun 17, 12:59 PM
    Have you checked your Call Credit file as well?

    The free versions to check your credit files are below:
    Experian: www.moneysavingexpert.com/creditclub
    Equifax: www.clearscore.com
    Call Credit: www.noddle.co.uk

    What date was the default applied? Can you not think back to what it might possibly be for?
    Originally posted by Candyapple
    No idea what it could be, shows the default as being added June 2014. Going to check call credit on the back of your advice!
    • bluenoze22
    • By bluenoze22 28th Jun 17, 1:10 PM
    • 27 Posts
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    bluenoze22
    • #4
    • 28th Jun 17, 1:10 PM
    • #4
    • 28th Jun 17, 1:10 PM
    No idea what it could be, shows the default as being added June 2014. Going to check call credit on the back of your advice!
    Originally posted by bluenoze22
    Got my report at call credit showing as Poor! Only 2 things i can see are them not having me on the electoral roll (which i can rectify) and this lowell debt! Everything else seems normal.
    • Candyapple
    • By Candyapple 28th Jun 17, 1:52 PM
    • 2,170 Posts
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    Candyapple
    • #5
    • 28th Jun 17, 1:52 PM
    • #5
    • 28th Jun 17, 1:52 PM
    I wouldn't waste my time with e-mail, write to Lowells and ask them for proof of debt / who the original lender was and how it came to be for £205. Send it via recorded delivery.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • bluenoze22
    • By bluenoze22 28th Jun 17, 3:41 PM
    • 27 Posts
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    bluenoze22
    • #6
    • 28th Jun 17, 3:41 PM
    • #6
    • 28th Jun 17, 3:41 PM
    Sounds like a plan...Ill copy and past my mail which pretty much asks those questions!
    • nic_c
    • By nic_c 28th Jun 17, 9:07 PM
    • 823 Posts
    • 508 Thanks
    nic_c
    • #7
    • 28th Jun 17, 9:07 PM
    • #7
    • 28th Jun 17, 9:07 PM
    I wouldn't waste my time with e-mail, write to Lowells and ask them for proof of debt / who the original lender was and how it came to be for £205. Send it via recorded delivery.
    Originally posted by Candyapple
    Why do you need to ask proof of debt? Bluenose said it had been recorded as SATISFIED so there is no debt, it has been paid. Bluenose, do you not remember paying £205 to Lowells?
    Paying a debt does not remove the default, which was factually correct, it just gets marked as satisfied, meaning the debt has been paid.
    • bluenoze22
    • By bluenoze22 28th Jun 17, 11:12 PM
    • 27 Posts
    • 5 Thanks
    bluenoze22
    • #8
    • 28th Jun 17, 11:12 PM
    • #8
    • 28th Jun 17, 11:12 PM
    Why do you need to ask proof of debt? Bluenose said it had been recorded as SATISFIED so there is no debt, it has been paid. Bluenose, do you not remember paying £205 to Lowells?
    Paying a debt does not remove the default, which was factually correct, it just gets marked as satisfied, meaning the debt has been paid.
    Originally posted by nic_c
    Hi there - This is what I am trying to figure out, as I've never received default letters.

    Randomly the only thing I can think of from this time is a car parking ticket that I took to small courts (lost case) and that was for around £200 - But didn't think that would show as a credit default :/ and especially take 4yrs to show as settled!
    • Candyapple
    • By Candyapple 29th Jun 17, 9:47 AM
    • 2,170 Posts
    • 1,667 Thanks
    Candyapple
    • #9
    • 29th Jun 17, 9:47 AM
    • #9
    • 29th Jun 17, 9:47 AM
    Why do you need to ask proof of debt? Bluenose said it had been recorded as SATISFIED so there is no debt, it has been paid. Bluenose, do you not remember paying £205 to Lowells?
    Paying a debt does not remove the default, which was factually correct, it just gets marked as satisfied, meaning the debt has been paid.
    Originally posted by nic_c

    Regardless of the debt being satisfied or outstanding, he still needs to know how the debt was acquired / default placed on his files in the first place. And since the debt collectors (Lowell) own the debt / placed the default, they are the ones he needs to ask to prove the debt existed in the first place in order to see if he can get the default removed.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • fermi
    • By fermi 29th Jun 17, 9:59 AM
    • 39,210 Posts
    • 47,039 Thanks
    fermi
    Why do you need to ask proof of debt? Bluenose said it had been recorded as SATISFIED so there is no debt, it has been paid. Bluenose, do you not remember paying £205 to Lowells?
    Paying a debt does not remove the default, which was factually correct, it just gets marked as satisfied, meaning the debt has been paid.
    Originally posted by nic_c

    Because given Lowells incompetence, there is a fair chance this was never the OP's debt in the first place. Lowell placing false defaults due to mistracing is not uncommon.

    Hi there - This is what I am trying to figure out, as I've never received default letters.

    Randomly the only thing I can think of from this time is a car parking ticket that I took to small courts (lost case) and that was for around £200 - But didn't think that would show as a credit default :/ and especially take 4yrs to show as settled!
    Originally posted by bluenoze22

    Could only be a CCJ not a default recorded for that.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

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    • bluenoze22
    • By bluenoze22 29th Jun 17, 10:07 AM
    • 27 Posts
    • 5 Thanks
    bluenoze22
    Could only be a CCJ not a default recorded for that.
    Originally posted by fermi
    My thoughts exactly!
    • bluenoze22
    • By bluenoze22 29th Jun 17, 7:04 PM
    • 27 Posts
    • 5 Thanks
    bluenoze22
    just taken another look at my equifax report. it is actually referencing lowell, but no default :/...The info provided is so poor!

    Communications Supplier from Lowell Portfolio 1 Ltd (I) /
    Monthly Terms 0 @ £ 0
    Status Settled
    Payment Frequency Monthly Current Balance £ 0
    Start Balance £ 0 Credit Limit £ 0
    Default / Delinquent Balance £ 0
    Start Date 10/05/2010
    Date Updated 07/07/2015
    Date Last Delinquent:
    Date Satisfied 22/05/2015
    Default Date:
    • nic_c
    • By nic_c 29th Jun 17, 8:53 PM
    • 823 Posts
    • 508 Thanks
    nic_c
    just taken another look at my equifax report. it is actually referencing lowell, but no default :/...The info provided is so poor!

    Communications Supplier from Lowell Portfolio 1 Ltd (I) /
    Monthly Terms 0 @ £ 0
    Status Settled
    Payment Frequency Monthly Current Balance £ 0
    Start Balance £ 0 Credit Limit £ 0
    Default / Delinquent Balance £ 0
    Start Date 10/05/2010
    Date Updated 07/07/2015
    Date Last Delinquent:
    Date Satisfied 22/05/2015
    Default Date:
    Originally posted by bluenoze22
    Communications, so maybe a former mobile contract?
    • nic_c
    • By nic_c 29th Jun 17, 8:56 PM
    • 823 Posts
    • 508 Thanks
    nic_c
    Because given Lowells incompetence, there is a fair chance this was never the OP's debt in the first place. Lowell placing false defaults due to mistracing is not uncommon.
    Originally posted by fermi
    But its paid, thus the OP accepted ownership of the debt. Or do you think they have gone and traced an already paid debt?
    • bluenoze22
    • By bluenoze22 29th Jun 17, 9:15 PM
    • 27 Posts
    • 5 Thanks
    bluenoze22
    So looking at the 'debt' across the 3 Credit Agencies...

    Equifax reference it at Settled & No Default with £0 Balance (as above)

    Experian reference it as Default 'Satisfied' with a £205 Default Balance

    Call Credit reference it as Default 'Satisfied' with a £205 Default Balance

    The Telecomms reference is random as i've been with o2 for many years with no drama (still with them)

    Lowell came back to my complaint email requesting further detail off me as they can't find me on their system! But at least they responded!
    • fermi
    • By fermi 30th Jun 17, 3:46 PM
    • 39,210 Posts
    • 47,039 Thanks
    fermi
    But its paid, thus the OP accepted ownership of the debt. Or do you think they have gone and traced an already paid debt?
    Originally posted by nic_c
    Quite possible with Lowells. CS/data input error against the wrong details.

    The Telecomms reference is random as i've been with o2 for many years with no drama (still with them)
    Originally posted by bluenoze22
    Does very much sound like a classic Lowells **** up.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
    • nic_c
    • By nic_c 2nd Jul 17, 9:00 PM
    • 823 Posts
    • 508 Thanks
    nic_c
    So looking at the 'debt' across the 3 Credit Agencies...

    Equifax reference it at Settled & No Default with £0 Balance (as above)

    Experian reference it as Default 'Satisfied' with a £205 Default Balance

    Call Credit reference it as Default 'Satisfied' with a £205 Default Balance

    The Telecomms reference is random as i've been with o2 for many years with no drama (still with them)

    Lowell came back to my complaint email requesting further detail off me as they can't find me on their system! But at least they responded!
    Originally posted by bluenoze22
    Did you just give them your current address? If the default was registered at an old address, then it will show on your credit file due to linked address. People assume that as there with a telecomms then they can't have a default with one. The neighbour from where I use to live, was with O2 and a default turned up on his CR, contacted O2 and after much investigation (did a DSAR as they weren't forthcoming initially) turned out to be an upgrade he was given in a shop and they opened another contract even though he kept his original contact and that defaulted with no payments on it.
    • bluenoze22
    • By bluenoze22 6th Jul 17, 10:33 PM
    • 27 Posts
    • 5 Thanks
    bluenoze22
    Hi all,

    Eventually getting back for an update...

    Lowell's (dare i say, to their credit [no pun intended!]) Got back to me via email and confirmed that the debt was in relation to a Vodafone contract.

    The wife reminded me that i got this for her! Anyway, the account was settled before she switched contracts with no default notices received, so Lowell's are currently investigating at their end and will provide me with an update.

    I guess i just sit tight and see what comes of it...I might reach out to Vodafone in the meantime and see if that is quicker.
    • yoshiyella
    • By yoshiyella 7th Jul 17, 8:02 AM
    • 439 Posts
    • 131 Thanks
    yoshiyella
    Hi all,

    Eventually getting back for an update...

    Lowell's (dare i say, to their credit [no pun intended!]) Got back to me via email and confirmed that the debt was in relation to a Vodafone contract.

    The wife reminded me that i got this for her! Anyway, the account was settled before she switched contracts with no default notices received, so Lowell's are currently investigating at their end and will provide me with an update.

    I guess i just sit tight and see what comes of it...I might reach out to Vodafone in the meantime and see if that is quicker.
    Originally posted by bluenoze22

    Email the CEO directly and hsi complaints team will deal with it. Under no circumstances phone them or send a general email as they do nothing! The email is nick.jeffery@vodafone.com
    • bluenoze22
    • By bluenoze22 7th Jul 17, 5:05 PM
    • 27 Posts
    • 5 Thanks
    bluenoze22
    Email the CEO directly and hsi complaints team will deal with it. Under no circumstances phone them or send a general email as they do nothing! The email is nick.jeffery@vodafone.com
    Originally posted by yoshiyella
    Hi yoshiyella - Thanks for the advice, i have just fired an email off to him now. Hopefully this will have the desired effect.
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