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help needed. challanging a debt company
sorry if this is in the wrong thread but here goes.
i have been chesed by lowell financial. they buy debts and collect them.
it is regards to a 3G phone i had years ago. they said i owed £65 from 3 years ago. i told them i did not and my credit file with experian even showed it as satisfied in 2005 when the contract ended. i even sent a copy of this in twice.
they then changed the 3g entry on my credit report to DEFAULTED!
they wrote again asking for money, i told them they had bought a debt that didnt exsist, and i would charge £25 per letter i send back to them in defending this. i recieved a reply saying i didnt have to write any more and it would be looked into. days later i get a letter offering me a discount if i settle.. again i send a letter........ any way i send 4 in total.
they have now told me they are going to write the debt off. dont know what they are going to do with my credit report.
am i right in thinking i can charge them for the letters i have sent in and or take them to county court for the £100 balance i advised them i would charge and for them to correct my creit report to how it were before they messed about with it.
any legal view on this would be fantastic
BEWARE OF LOWELL!!!!!
i have been chesed by lowell financial. they buy debts and collect them.
it is regards to a 3G phone i had years ago. they said i owed £65 from 3 years ago. i told them i did not and my credit file with experian even showed it as satisfied in 2005 when the contract ended. i even sent a copy of this in twice.
they then changed the 3g entry on my credit report to DEFAULTED!
they wrote again asking for money, i told them they had bought a debt that didnt exsist, and i would charge £25 per letter i send back to them in defending this. i recieved a reply saying i didnt have to write any more and it would be looked into. days later i get a letter offering me a discount if i settle.. again i send a letter........ any way i send 4 in total.
they have now told me they are going to write the debt off. dont know what they are going to do with my credit report.
am i right in thinking i can charge them for the letters i have sent in and or take them to county court for the £100 balance i advised them i would charge and for them to correct my creit report to how it were before they messed about with it.
any legal view on this would be fantastic
BEWARE OF LOWELL!!!!!
0
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