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    • Justice13075
    • By Justice13075 17th Jul 17, 10:51 PM
    • 984Posts
    • 421Thanks
    Justice13075
    Lowell Debt Collectors
    • #1
    • 17th Jul 17, 10:51 PM
    Lowell Debt Collectors 17th Jul 17 at 10:51 PM
    After having paid a couple of repayments on a loan in 2011, I defaulted and Lowell bought the debt in 2013. I have been out of the country for a couple of years and upon checking my Experian credit file found the default. I have had no communication with Lowell but I assume that when they bought the debt they would have tried to contact me but with no luck. Should I let it run another 18 months when it will be 6 years and statue barred or contact them and ask for proof of debt. I don't know if they will have the original loan agreements after all this time.
Page 2
    • sourcrates
    • By sourcrates 4th Aug 17, 6:56 PM
    • 11,943 Posts
    • 11,431 Thanks
    sourcrates
    my son has paid the £55 and the best Three will do is mark it now as settled. Who should he write to at Three to try and get this taken off his file.
    Originally posted by Justice13075
    They have no incentive to do so now it's been paid.
    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.
    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.
    For Legal advice see : http://legalbeagles.info/
    • Justice13075
    • By Justice13075 4th Sep 17, 2:16 PM
    • 984 Posts
    • 421 Thanks
    Justice13075
    I am going to try anyway, who is the best person to contact at three.
    Thanks
    • Justice13075
    • By Justice13075 6th Sep 17, 2:46 PM
    • 984 Posts
    • 421 Thanks
    Justice13075
    It would appear that the company that my son defaulted on is not on his credit report but Lowell who bought the debt is. He defaulted on his loan sometime around the middle of 2011 and the default was put on it seems by Lowell in January 2013. This has been confirmed by Experian. Shouldn't The original loan company have put the default on his file and then Lowell abide by that date. I found this on line. If the original creditor didn’t report to a credit reference agency at all (this is unusual) then the debt collector should apply the same ICO rule that the original creditor would have used. What can I do. Thanks
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