Help with Lowell's Financial

clucker_2

I was called by Lowell Group this morning re my outstanding debt, I informed him that I would be communication with them by post or email only. He said we could sort it out over the phone as all calls were recorded, BUT he called me on a mobile, how's that work then. I shall be calling the mobile after office hours to see what happens. It is an old trick to call on a private mobile just to confirm the you are who they think (and hope) you are. If it is his private mobile, won't he gat a shaock.

RocknRollStar

Thanks for the replys.

The thing is though, I can understand that the default stays on my record but the balance is still showing as £877. They have now said that I owe them nothing so shouldn't they reduce the balance to £0??

Should I send the letter I received to someone at Credit Expert so they can update it?

DarkConvict

CCA only means it is not enforceable not that it has been wiped. The debt has probably been returned to the original creditor.

They can still report negative information to your credit file, this was ruled in the high courts. Its comes down to you owe the money but will not pay it, due to a loop hole you do not have to the downside is a hit on your credit report.